What insurance does a designer need?
Professional indemnity, public liability and cyber cover explained.
DesignerInsurance
Designer Insurance
Professional indemnity cover built for graphic and web designers, covering the missed deadlines and client disputes that come with design work.
Professional indemnity cover built for graphic and web designers, covering the missed deadlines and client disputes that come with design work.
Design errorsImage licensingMissed deadlines
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What is designer insurance?
Designer insurance is a combination of covers built around graphic and web design work, professional indemnity for advice or work that causes a client a financial loss, public liability for injury or damage, and cyber cover for client files and data.
A missed launch date, a website that goes down, or using an image without the right licence can all lead to a claim, whether you design brands, websites or both.
The right designer cover depends on:
Graphic, web or bothWhether you build and host websitesNumber of employeesLevel of professional indemnity coverAnnual turnoverWhether you use subcontractors
Cover that fits the way you work
Cover that fits the way you work
Client work and project deadlines bring their own everyday risks.
Client work and project deadlines bring their own everyday risks.
RecommendedProfessional Indemnity
Protection if your design work or advice causes a client a financial loss.
RecommendedEmployers’ Liability
A legal requirement once you employ any staff, even casual help.
RecommendedPublic Liability
Protection if a client or visitor is injured, or you work on their premises.
RecommendedBusiness Interruption
Support for loss of income if an insured event stops you working.
OptionalBusiness Equipment
Cover for computers, tablets and design equipment.
OptionalCyber Insurance
Covers costs following a data breach or cyber incident.
What could go wrong for a designer?
What could go wrong for a designer?
Most designer claims come from a website failing at a critical moment, a missed launch date, an image licensing mistake, or a dispute over final deliverables.
Most designer claims come from a website failing at a critical moment, a missed launch date, an image licensing mistake, or a dispute over final deliverables.
Is this cover right for your work?
This type of business insurance may suit you if you work in graphic or web design.
The right cover depends on:
Freelance graphic designersWeb design studiosBrand and identity designersDesign agencies with multiple staffDesigners building and hosting websitesDesigners with employeesReal-world risks. Real-world protection.
Real-world risks. Real-world protection.
A missed deadline, a studio visitor injury, a staff injury and a data breach are the four designer scenarios insurers see most. Each responds to a different cover.
A missed deadline, a studio visitor injury, a staff injury and a data breach are the four designer scenarios insurers see most. Each responds to a different cover.
Missed deadline
A delayed project causes the client financial loss.
Potential cover
Professional Indemnity
Studio visitor injury
A client or visitor is injured at your studio.
Potential cover
Public Liability
Staff injury
An employee is injured at work.
Potential cover
Employers’ Liability
Data breach
Client project files or website data are exposed.
Potential cover
Cyber Insurance
How much does designer insurance cost?
There’s no fixed price. It depends on your services, level of professional indemnity cover, staff numbers and claims history.
Scale of projects
Larger or business-critical projects can affect your risk profile.
Whether you host websites
Ongoing hosting and maintenance can affect your risk.
Number of staff
More employees increase your employers’ liability exposure.
Annual turnover
Higher turnover generally means a higher premium.
Level of professional indemnity
Higher limits mean a higher premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How the quote process works
How the quote process works
Getting designer insurance takes four steps: tell us about your work, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Getting designer insurance takes four steps: tell us about your work, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
1
Tell us about your work
Your services, turnover and whether you have staff.
2
Choose your covers
Professional indemnity, public liability and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Designer insurance guides
Designer insurance guides
Image licensing, missed deadlines and disputes over final deliverables.
Image licensing, missed deadlines and disputes over final deliverables.
Designer insurance FAQs
Designer insurance FAQs
Straight answers on cover, client contracts and cost.
Straight answers on cover, client contracts and cost.
Designer insurance is a combination of covers built around graphic and web design work: professional indemnity for advice or work that causes a client a financial loss, public liability for injury or damage, and cyber cover for client files and data.
Still have questions?
Our advisers are here to help you find the right solution.