Freelance graphic designer insurance

Secure freelance graphic and digital designer insurance quickly and without fuss. We're simply priced, flexible and upfront.

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Professional indemnity insurance for graphic designers UK
Professional indemnity insurance for graphic designers UK
Professional indemnity insurance for graphic designers UK
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Covers to consider

What is graphic designer insurance?

Graphic and digital designer insurance isn’t a single product. It’s usually several products that combine to meet the specific insurance needs of your graphic design business.

Professional indemnity insurance is vital to protecting your work product. Commercial legal expenses can help with copyright disputes. Public liability may be required if you regularly meet clients face-to-face. You should consider electronic business equipment insurance if you rely on expensive computer gear.

Self employed professional indemnity insurance
Professional indemnity

from £7.67 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £8.89 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£7.00 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

on Trustpilot
14 February

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
In detail

Why do graphic designers need insurance?

The work of a graphic designer is often subjective, and clients’ briefs can be less than clear. Unsurprisingly, graphic and digital designers often face contract disputes, resulting in unpaid invoices or requests for redo work.

Copyright infringement claims

As a UX, graphic or digital designer, you get paid to produce unique graphic work to meet the high expectations of your clients. Sometimes, legal disputes arise over the originality of a graphic designer’s work.

Unpaid invoices

Designers often find themselves facing unpaid invoices at the end of a project. Chasing invoices is time-consuming; sometimes, you need a lawyer's help to get the desired results.

Damage to your work equipment

As a designer, you're dependent on specialist electronic equipment. A damaged or lost computer could seriously delay or hinder your work.

Contract disputes

Sometimes, a client's feedback can lead to excessive re-edits not part of the agreed remit. If you refuse, a client may demand compensation for the cost of the unfinished work.

Demands for refunds

The worst scenario is when a client, unsatisfied with your work product, demands their money back. If you refuse, they might issue a legal threat.  Even though you might be in a strong position, you must handle any legal dispute correctly to avoid a bad outcome.  

Causing offence

Another risk of creating artwork is the impact of our society becoming sensitive to specific issues. Your work may inadvertently offend, and if your client faces a financial loss, you may become embroiled in a legal dispute.

An amusing example of design gone pear-shaped is the pear logo designed by the Australian government for The Women's Network. The logo created a significant public backlash and negative press for the firm that delivered the work.

Professional indemnity insurance for graphic designers

Professional indemnity insurance protects graphic designers from accusations of professional mistakes, negligence, copyright infringement and other claims against you or your business.

Given the potential exposures graphic designers can face, professional indemnity can be very affordable compared to the possible costs if you need to defend yourself. 

What does graphic designer professional indemnity insurance cover?

Professional indemnity insurance protects graphic designers from claims or accusations of wrongdoing from their professional advice or work product.

Cover includes:

  • Failing your duty of care
  • Making a mistake
  • Acting negligently
  • Giving the wrong advice or recommendation

For example:

  • Your work is alleged to be in breach of copyright
  • Your work has caused an adverse reaction and affected your client’s business
  • Your client demands a refund because they believe your work isn’t up to standards

Suited PI cover will provide you with immediate access to an experienced legal team who will review a developing situation with an unhappy client and advise you on what to do next or take over if appropriate.

What professional indemnity limit do graphic designers need?

You should consider several factors when deciding on a professional indemnity limit.

Factors to keep in mind:

  • Does your contract specify professional indemnity up to a specific limit?
  • Does your contract state you agree to be liable for damages up to a certain amount (e.g. £1,000,000)?
  • What is the total value of your client contracts over the last few years?
  • What costs might you be exposed to if your work goes wrong?
  • How will your work be used, and who is the end consumer? 
  • If your work product was seen as offensive or caused distress, what might this cost your client?
  • What might it cost your client if you can’t deliver on time?
  • Do you play a senior role in the delivery of work?

Does professional indemnity insurance cover my graphic design activities worldwide?

Your professional indemnity policy's ‘territory or geographical limits’ and ‘jurisdiction’ sections specify if your web designer insurance will respond when working in different countries.

Territory or geographical limits:

The territory or geographical limit specifies where you can virtually or physically deliver your services. For example: “Worldwide.”

Jurisdictional limit:

The jurisdictional limit specifies which legal jurisdictions your policy will defend you if you are sued. For example: “Worldwide excluding US and Canada.”

Contract governance:

Any contracts or agreements you enter into with your clients should specify the ‘governing law’ for that contract, which is the jurisdiction in which parties can seek legal remedy for breach of contract.

Avoid entering contracts not governed by your local jurisdiction and/or excluded by your web designer professional indemnity insurance.

If you work with US and Canadian clients, you can reduce your risk by not entering contracts governed by US and Canadian laws.

Switching your professional indemnity insurance

Typically, in the UK, if you cancel a professional indemnity policy, you can no longer claim against it.

Therefore, if you switch your graphic design insurance provider, be sure your new policy covers your past work; this is called “retroactive cover”.

Should I keep professional indemnity insurance if I close my graphic design business?

It’s wise to keep your professional indemnity if you close your design agency. Claims against professional misconduct can surface months or years after you delivered the work. 

If a past client sues you for damages and you have cancelled your professional indemnity, you will not be covered.

How long you keep your cover in place is up to you; consider the type of work you did and the likelihood that a client might bring a claim against you. 

Public liability insurance for graphic designers

Public liability insurance shields graphic designers from claims of injuries or property damage.

If you have any kind of face-to-face contact with your clients and the public during your business, then there is a risk of third-party injury or property damage. Something as small as spilling your flat white over a client’s laptop can set you back a few thousand pounds.

Public liability is an inexpensive protection against unfortunate incidents such as slips, falls, or you causing damage to a third party’s computer equipment. 

What does graphic designer public liability insurance cover?

Public liability insurance is valuable when faced with injury claims and compensation demands.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example:

  • A client visits your premises and is injured in a slip or fall 
  • You visit a client site and damage equipment by knocking over a coffee 

Other insurance graphic designers buy

Graphic designers need insurance policies tailored to their unique situation. Consider factors such as legal disputes, negative PR, equipment costs, and illness.

Commercial legal expenses

Most commercial legal expenses insurance will protect graphic designers against various tax and legal issues you may encounter due to your profession, which are not covered by professional indemnity or public liability.

At Suited, we combined £100,000 of commercial legal expenses insurance with helplines and other tools to better assist graphic designers in dealing with these issues. We call this Business Legal Protect, and it’s part of your subscription.

Business Legal Protect offers qualified advice and assistance with:

  • Legal and tax matters concerning your business
  • Criminal prosecution
  • Unpaid invoices (over £200)

For example:

  • HMRC investigates your tax affairs
  • You are facing an investigation from a professional body
  • You need legal help chasing a significant unpaid invoice
  • You’re being taken to court for breach of contract

Electronic business equipment insurance

Graphic designers rely on electronic equipment to deliver their services more than ever. If your business depends on electronic equipment, consider electronic business equipment insurance.

Income protection insurance

Income protection insurance covers your earnings if you become so ill you cannot continue to work.

Graphic designers we insure

Suited offers comprehensive insurance policies that cater to the needs of a wide range of graphic designers, including:

  • Animators and illustrators
  • Artists
  • CG artists
  • Design consultants (non-structural)
  • Graphic & digital design consultants
  • Motion graphic artists
  • Packaging designers
  • and more..

Shopping for graphic designer insurance

Whether or not you decide to use Suited graphic designer insurance to protect your business, it’s worth keeping the following in mind:

Cheap graphic designer insurance

When selecting your graphic designer insurance, it's important to look beyond just the cost. It's crucial to choose a trustworthy provider. Suited offers quick and numerous ways to communicate, ensuring you feel secure.

The reputation of the insurer is important

Insurance needs to be there when you need it most. The payout reputation of an insurer is essential. Suited uses financially sound insurers with an A+ rating.

Many providers charge fees to amend or cancel

Low initial prices often hide additional charges to pay monthly, amend or cancel your policy. At Suited, we charge no extra fees, and you can cancel anytime with no more to pay.

Some policy wordings are restrictive or have a high excess

Some providers will offer attractive prices, but it is at the expense of cover given. Suited professional indemnity and public liability have £0 excess.

In this section
Suited awards.

Common questions

Is professional indemnity insurance for graphic designers compulsory?

No but your client contract or membership organisation may demand it.

How does monthly graphic designer insurance work?

With Suited you pay month by month without the addition of APR or any other charges if you need change or cancel your cover.

If I subcontract some work, will it be covered by Suited graphic designer PI insurance?

Yes. It's a very good practice to have written contracts in place with your subcontractors that do not waive your rights against their mistakes. Always give your subcontractors a clear brief.

Can I cancel my professional indemnity insurance when I no longer work as a graphic designer?

You are best not to. The reason being your work still might cause some grief in the future and without an active PI cover, you won't be protected. With Suited you can 'hibernate' your cover which means paying less while staying protected for your past for as long as you need.

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
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Self-employed insurance done fast, clear and upfront.

Freelancer professional indemnity insurance
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More flexible

Make changes instantly, easily and for free.

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No extra fees

We give you one price, no APR or hidden extras.

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Go retroactive

Include retroactive cover to insure previous work.

Holiday umbrella.
Holiday mode

Pay less when not working by hibernating your PI cover.

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Top insurers

Be confident knowing your cover is backed by trusted UK insurers.

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UK support

Get help when you need it from our Bristol based team.

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Call us with any questions or queries. Our Bristol based team is available from Monday to Friday and answers straightaway.

Monday-Friday, 8:30am to 5:30pm

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Once you buy
If your plans change

No problem, Suited uses a simple subscription model making it easy to walk away.

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14 day promise *

If you call to cancel within the first 2 weeks we’ll give you a full refund.

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Easy to cancel

No longer need us? Cancel anytime, no more to pay.

* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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