Insurance for graphic designers

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

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Insurance for graphic and digital designers.
Insurance for graphic and digital designers.
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Priced in a Jiffy
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The problem

Freelance digital and graphic designers face many risks

Copyright infrigement claims

As a UX, graphic or digital designer, you are expected to produce unique work that meets your clients expectations. The former can be called into question.

A man in a suit walking with slumped shoulders.

Damage to you work equipment

As a designer you're dependent on specialist electronic equipment. Damage or loss could seriously delay or hinder your work.

Unpaid invoices

Designers often find themselves with an unpaid invoice at the end of a project. Would you have the time and knowledge to recover the debt without help?

Contract disputes

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

You need graphic designer insurance that's competitively priced and provides great legal support if you face a claim.

the suited way
Insurance simplified

Our mission is to see small business insurance done fast, clear, upfront and painless.  

4 step quote

Save time by getting a price after four questions.

Buy online

Get insured anytime. Manage cover from your DIY portal.

Top insurers

Sleep well knowing your cover is backed by trusted UK insurers.

Pay as you go

Keep money in your pocket. Pay monthly, no APR or fees.

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Holiday mode

Pay less when not working by hibernating your PI cover.

UK call centre

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

covers to consider

What insurance do graphic designers need?

Choosing the right insurance for you depends on the size and nature of your business. Key insurance covers digital and graphic designers should consider include:

Professional indemnity

Protects you against accusations of breaching copyright, delivering work that's caused offence or financial loss.

Business legal protect

Helps your recover unpaid invoices and defend you against legal claims or unfair tax enquiries.

Electronic business equipment

Pays for repair or replacement of your portable electronic equipment (and accessories) you need to do your work.

Finding the right cover

Why is graphic designer insurance important?

The work of a graphic designer, as good and conscientious as they might be, is often subjective and clients’ brief can be less than clear. It’s therefore unsurprising that graphic designers often face contract disputes resulting in unpaid invoices.

Professional indemnity insurance for graphic designers

The worse scenario is when a client demands their money back because they’re not satisfied with what you’ve delivered. Now they’re threatening you and even though you might be in a strong position, it’s still all very stressful but most importantly the dispute has to be handled correctly to avoid a bad outcome.

What is often not thought of but happens more and more to graphic designers is the impact of our society becoming very politically correct. Your work may inadvertently cause offence and if your client faces a financial loss as result, it's likely you'll be held liable. There are steps you can take to prevent this kind of situation but having a back up plan such as professional indemnity insurance might be useful.

It's not always a laughing matter but an amusing example of graphic design going pear shaped is the logo design by the Australian government for The Women's Network. Even though it was swiftly discontinued, you can still find in online. Have a search and imagine the backlash :).

Another couple of reasons why, as a graphic or digital designer, you might need professional indemnity insurance is the contract with your client, or your membership organisation might require it as part of their ethos.

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What does professional indemnity insurance for graphic designers cover?

Suited PI cover will provide you with an immediate access to an experienced legal team who will review a developing situation with an unhappy client and either they’ll advise you what to do next or they’ll take over if appropriate. Their fees and costs will be covered and if there’s any payout due, your insurers will take care of it.

Suited PI cover comes with another benefit - Business Legal Protect. We mentioned before that contract disputes and unpaid invoices are commonplace for graphic designers.

Standard PI insurance isn’t designed for that which is why we have built in the business legal expenses section so that you as a small business owner can be confident during those troublesome legal and tax situations such as IR35 investigations or HMRC enquiries.

Suited Business Legal Protect can be particularly useful to graphic designers because it also offers expert advice and a cover of up £25,000 for associated expenses for a negative PR event that has hit your business. Say your work didn't down so well with certain audience and your business is now facing a lot of negative press. You can turn to the experts behind Suited Business Legal Protect and they will handle the situation for you to ensure that any reputational damage is minimised.

Choosing limits

How much PI insurance do graphic designers need?

Legal disputes are costly in the UK. If someone is bringing a claim against you, they mean business because it is rather expensive and time consuming to do so. Ensure, if you buy PI cover for your business, that it's not just a nominal amount of a few thousands. Before you select a limit, consider the following:

  • What does the contract with your client say? Does it mentioned professional indemnity and if so, does it reference a limit? Or perhaps the contract is referring to your liability for any damages. If it states an amount, for example £1,000,000, then that's a good guide what your PI cover should be.
  • How will your work be used and who's the end consumer? Consider the impact if your work is considered unacceptable for any reason. How much damage is it likely to cause to your client?
  • How many clients do you have and how much work are you producing. When you're busy, things can slip. Especially when you're using contractors who may not be as good as you and you don't have the time to check their work.
  • What is the level of responsibility you take for your work? If you're in charge of the final product and also manage the release then you're exposed a lot more than someone who's just a member of a team controlled by another manager.
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Business legal protect
Included with your insurance

When you decide to protect your business with Suited we want you to get more than just insurance. That's why with every policy subscription we include Business Legal Protect. From the moment you sign up you gain access to extra support services which are all part of our price.

£100k of legal cover
  • IR35 & HMRC investigations
  • Legal matters concerning your business
  • Negative PR (£25,000 cover)
  • Criminal prosecution
  • Compliance & regulation issues
  • Unpaid invoices (over £200)
Telephone helplines
  • Free tax advice
  • Free commercial legal advice
  • Counselling for you and your staff
  • Access to a legal template library
  • Identity theft assistance
Price

How much does digital/graphic designer insurance cost?

Price depends on many factors including business activity, the cover you choose and the level of protection (also known as the limit). With Suited you can mix and match covers and limits. Below are some cover examples, but you will be able to build your own.

examples

Business activity

Graphic & digital design and consultancy
from

£7.41

per month
from

£16.71

per month
from

£30.20

per month

Professional indemnity

Our core cover, to protect you and your business if you make a mistake in the course of your work, say something wrong about a client, or are accused of being negligent and your client says it has cost them money.

£250,000
£1,000,000
£2,000,000

Business Legal Protect

Commercial legal expenses insurance there to protect you and your business from commercial disputes, legal claims, IR35 investigations, HMRC enquiries, criminal prosecutions, negative PR and identity theft. It also offers free and confidential tax, legal and counselling assistance whenever you need it.

Included
with professional indemnity
Included
with professional indemnity
Included
with professional indemnity

Electronic business equipment

Protects your business against costly repairs or replacement costs of electronic business equipment and accessories that you own or hire to do your job.

-
£2,500
of equipment
£7,500
of equipment
Get a price
Answer 4 questions then select the policies and limits you need.
FAQs

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?

Yes, any work by bonafide employees and contractor of your business is covered.

Can I have more than profession insured under Suited PI cover?

Yes, Suited allows a selection of up to 5 professions under one PI policy.

How much is Suited professional indemnity insurance for graphic designers?

The price of professional indemnity cover for a graphic designer starts at just over £16 per month.

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.

Once you buy
If your plans change

No problem, with Suited you can flex your insurance as your business evolves.

Free to amend

Save money by not paying extra to change your cover.

Easy to cancel

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

Testimonials

Professional service and a peace of mind

My work contract requires professional indemnity insurance. Suited were quick to call back and very helpful explaining the product to me. Suited offers a trustworthy, professional service and a peace of mind.

Evie Jarecki

Suited was super efficient

Suited was easy to use, to the point, concise, I found everything I was looking for , was covered. The process was efficient and quick. Fast forms to fill in. I think the price was pretty competitive too.

Justin Leo

I was looking for business insurance…

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 in minutes.

Piers Field
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