Professional liability insurance for graphic designers helps protect your graphic design business or studio from risks not typically covered by general commercial liability policies. Just as medical practitioners need malpractice insurance tailored to their risks, you need professional liability coverage for graphic designers tailored to yours. Graphic designers professional liability insurance is an essential part of your comprehensive business insurance portfolio, whether you work from an office or out of your home. If you already have a policy, you should review it periodically to make sure it is up to date. As your graphic design business expands, it’s a wise idea to increase your coverage limits and reduce your exposure to claims.
You can get quotes for graphic designers professional liability insurance using the form shown at the top of this page.
Who Needs Professional Liability Insurance for Graphic Designers?
You need graphic designers professional liability insurance if:
Your clients require it as a condition of doing business with you
You are a graphic designer, freelance graphic artist, independent graphic design contractor, digital imager or own an agency/studio that provides these services
You or your employees provide advice or services that could result in a lawsuit or financial loss for your client due to any alleged error, omission or wrong-doing on your part
You have personal assets that could be jeopardized if a client sued you
What Professional Liability Risks Do Graphic Designers Face?
No matter how careful you are, you or an employee or subcontractor could make a mistake that results in financial loss to a client. Your greatest areas of risk include copyright and patent infringements and website design and execution. Your clients count on you to know the laws and regulations regarding the use of images and technology. Fail to keep on top of the most current, accurate information and you could be sued. Whether or not you’re at fault, defending yourself against a suit could mean financial disaster for you and your graphic design business. Without professional liability insurance, you could be forced to sell off your personal assets to repay your client. You’d also have to pay for your own defense and any costs associated with a judgment against you.
What Does Professional Liability for Graphic Designers Cover?
Your professional liability insurance covers financial losses and the costs and damages resulting from law suits up to the limit of your policy. It is a variation of Errors and Omissions Insurance (also called E&O) designed specifically for graphic designers, design studios and agencies. It protects your business and personal assets from claims of wrongful acts (errors, omissions or negligence) committed by you or an employee while performing professional duties such as plagiarism, piracy or copyright infringement. It also covers the losses that happen to others in the exercise of your professional judgment, such as releasing a design to the wrong person. It can also cover you for work lost in shipping. Professional liability insurance is a supplement to (and does not replace) Commercial Liability Insurance, Employment Practices Liability Insurance and Directors and Officers Insurance (if your business requires it).
Affordable Quotes for Graphic Designers Professional Liability Insurance
Policies for professional liability insurance for graphic designers and design firms are affordably priced. Quotes will depend on the size and type of your business. Your previous claims history and loss experience, staff turnover, financial results and operating characteristics can also affect your rate.
It pays to shop for specialized E&O insurance for you graphic design business. You can get competitive quotes from one or more professional liability insurance companies by completing the form at the top of this page. If you do not wish to purchase coverage now, please leave your policy expiration date on the form provided. When your expiration date is closer, you will be contacted so that you can comparison shop for graphic designers professional liability insurance at that time.
Protect your business from exposure to risk. Get quotes for professional liability insurance now.