Design Insurance

Craft your insurance with precision to match your design business. From Public Liability to Equipment insurance, your peace of mind is our priority.

Design Insurance

Craft your insurance with precision to match your design business. From Public Liability to Equipment insurance, your peace of mind is our priority.

Flexible insurance cover tailored to the needs of designers

Whether you're crafting a brand's visual identity, developing an intuitive website or setting fashion trends, your designs influence perceptions and experiences.

While your primary focus is on innovation and aesthetics, potential risks - from client disputes over design choices to damaged equipment - can disrupt your creative process. Insurance for designers provides cover so that these unforeseen challenges don't blur your artistic vision.

Learn more about the different types of cover available for designers below:

Public Liability Insurance

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What it covers

Protection against claims made by clients or third parties for injuries or property damage during your work – such as at client meetings, design presentations, exhibitions or showcases.

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Why designers might need it

Showcasing your designs or collaborating in shared spaces can sometimes lead to unforeseen accidents. If a client or visitor gets injured or their property is damaged during an exhibition, public liability insurance can provide cover for any legal fees and compensation payouts you may be liable for.

Professional Indemnity Insurance

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What it covers

Offers protection in case you receive claims of negligence, errors or omissions in the designs or services you provide.

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Why designers might need it

Your clients trust you to deliver designs that meet their expectations and requirements. If there's a claim of dissatisfaction or a perceived error in your design, this cover can protect your reputation and finances. It can also provide cover if you are accused of copyright infringement - for example, if you use an image you don't have the rights to use in a design.

Employers' Liability Insurance

Shield

What it covers

Protection against claims from your employees, such as assistants, junior designers, collaborators and even other freelancers, depending on your contract, related to injuries or illnesses sustained while working for you.

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Why designers might need it

Employers’ Liability insurance is a legal requirement if you have employees and provides cover if an employee pursues a claim against you for injury or illness sustained while working for you.

Equipment Insurance

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What it covers

Protection for your design tools – from laptops and tablets to sewing machines – against theft, damage or loss.

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Why designers might need it

Your tools are essential for bringing your designs to life. Damaged equipment or items that have been stolen can certainly stop any business in its tracks, especially designers. Having equipment insurance means that your insurer will cover the cost of the claim (minus your excess) and get you back working in no time.

Why Choose Mode Insurance?

The world of design is vast and varied, with creative professionals like you at the heart of it.

At Mode Insurance, we understand the unique challenges and joys that come with shaping visual and functional narratives. Our tailored policies can provide cover for every sketch, every layout and every collection you create.

Insurance to suit you

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Up to £50k equipment cover

Insure the tools of your trade, as well as hired-in equipment.

Project-by-project Public Liability insurance

Get PLI for £84 a year or choose a shorter term to suit you.

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Be covered for contract disputes

Protect your reputation with Professional Indemnity insurance.

What Types Of Designers Might Need Insurance?

There are many types of professional and freelancer designers who might want to consider insurance for the peace of mind it can bring, these could include:

  • Graphic Designers
  • User Experience (UX) Designers
  • User Interface (UI) Designers
  • Web Designers
  • Game Designers
  • Fashion Designers
  • Interior Designers
  • Animation Designer
  • Art and Illustration Designer
  • TV Set Designers
  • Visual Designer
  • Wardrobe or Costume Designer
  • Web Designer
  • Associate Designer
  • Audio Designer
  • CAD Designer
  • Costume Designer
  • Digital Designer
  • Exhibition Designer
  • Flash Designer
  • Sound Designer
  • Interface Designer
  • Logo and Illustrator Designer
  • Motion Designer
  • Middleweight Designer
  • Motion Graphic Designer
  • Packaging Designer
  • Production Designer
  • Prop Designer
  • Scenery Designer
  • Senior Designer
  • And much more…

Professional Indemnity Insurance For Designers

As a designer, delivering accurate and high-quality work for your clients is paramount.

However, even with the best intentions, things can sometimes go awry, and that's where business insurance becomes invaluable. Designers are particularly susceptible to copyright infringement claims, client lawsuits and misunderstandings in desired outcomes and contract disputes. Insurance specifically tailored for designers provides cover so you’re always one step ahead in these scenarios.

Professional Indemnity insurance can therefore be crucial for designers. It offers protection if a client alleges errors or omissions in your work. In the design industry, even small oversights can lead to significant expenses.

Imagine a scenario where a packaging client prints thousands of items with your design, only to later discover a flaw.

If such errors lead to financial losses for your client and result in a claim, Professional Indemnity insurance covers the associated legal and compensation costs.

Choose your cover and start your quote now

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Public Liability insurance from £84 a year for £1m cover

Or choose your own cover limit of £2m, £3m or £5m.

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Up to £50k all-risk technical and portable equipment cover

Covered in the UK & EU as standard or increase cover to worldwide.

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Professional Indemnity - be covered for contract disputes

Protect your reputation with Professional Indemnity insurance with either a £100,000 or £250,000 limit.

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Up to £50k cover for equipment that doesn’t leave your property

Protect the contents of your business and other technical equipment that doesn’t leave your property.

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Employers’ Liability cover for up to 3 PAYE employees

Our Employers’ Liability cover provides £10,000,000 of cover.

Design Insurance FAQs

Below we have listed the most common questions we get from our customers about insurance for designers.

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Why should I get a quote from Mode Insurance?

Our coverage is flexible and can be adjusted to suit periods of intense project work or times when you're between projects. Additionally, our policies are specifically designed for the creative industry and are suited to a wide range of professions.

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Can I adjust my insurance coverage as my professional needs change?

Absolutely! We understand that the life of a creative freelancer is ever-changing. That’s why our insurance plans are designed to be as flexible as your career. You can choose from short-term options for specific projects or opt for longer-term coverage. Adjustments can be made to suit your current professional situation, whether you're scaling up your operations or downsizing.

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Do I need Public Liability insurance?

Whether you need Public Liability insurance depends on the nature of your business. It's not a legal requirement, but it's particularly important if your business activities involve interaction with clients, customers or members of the public. This could be as simple as working from a coffee shop, all the way to working in a large stadium or event space.

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How much Public Liability insurance cover do I need?

The amount of coverage you need depends on your business type, size and the specific risks involved. Typically, businesses opt for cover ranging from £1 million to £5 million, but it's best to assess your individual business needs.

You may find a minimum coverage amount specified in a contract that you are looking to secure as many other businesses, venues or local authorities will stipulate the amount of Public Liability insurance you need.

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Is Public Liability insurance a legal requirement?

No, Public Liability insurance is not a legal requirement for most businesses in the UK. However, it can be important due to the financial protection it offers against claims from the public.

You may also find that Public Liability insurance is required by some clients, suppliers and partners before you work with them.

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What is the difference between Public Liability and Professional Indemnity insurance?

Public Liability insurance covers injury or damage to third parties and their property, while Professional Indemnity insurance protects against claims of professional negligence or poor advice.

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Can I get Public Liability insurance for one day?

Yes, one day Public Liability insurance is becoming increasingly popular and most businesses can obtain cover specifically for one day. This is ideal for short-term events like workshops, pop-up shops or a shoot you are organising.

This is great for budgeting and charging your clients as you know exactly how much the insurance has cost for the specific job.

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Which type of creative freelancers need Equipment Insurance?

If your work requires the use of expensive specialist equipment, such as Photography Equipment, Film Equipment, laptops microphones and more, then Equipment Insurance can help provide peace of mind that you can repair or replace any of your important work tools if they are stolen, lost or accidentally damaged.

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How much Equipment Insurance cover do I need?

This will depend on the value of your equipment and how much it would cost to replace it all if it were stolen, lost or accidentally damaged.

We can provide up to £50k of Equipment Insurance to cover all of your vital work gear.

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What equipment is covered?

The policy covers the equipment you need to keep your business up and running that you take away from the premises.

Some examples of equipment that can be covered are:

  • Communication tools, such as desktops, laptops, mobiles, and tablets
  • Essential work equipment, such as graphic tablets and hairdressing equipment
  • Photography equipment, such as including cameras, lighting, and staging equipment
  • Accessories, such as lenses, lighting rigs, etc.
  • Cameras and ancillary equipment
  • PA, sound and lighting equipment
  • Portable electrical equipment
  • Mechanical effects equipment
  • Grip equipment
  • Props, sets and wardrobes
  • Makeup and prosthetics
  • Editing and recording equipment
  • Video and broadcast equipment
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Who needs Professional Indemnity insurance?

Creative professionals who provide advice, consultancy work or work under a contract with a client can consider Professional Indemnity insurance.

This includes, but is not limited to, graphic designers, photographers and marketing consultants.

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How much does Professional Indemnity insurance cost?

The cost of Professional Indemnity insurance varies based on factors like your profession, the level of risk and the amount of coverage needed.

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How much Professional Indemnity insurance do I need?

The amount of cover required depends on your business size, the clients you work with, the types of contracts you work under and the potential risks involved in your services. It's a good idea to assess the maximum claim you could face and choose a limit that can comfortably cover this.

With Mode Insurance you can choose a Professional Indemnity insurance cover limit of either £100,000 or £250,000, depending on your needs and requirements.

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Do I need Employers’ Liability insurance?

If you employ anyone, even on a casual or part-time basis, the law typically requires you to have Employers' Liability insurance. This means that you have at least the minimum cover if an employed person makes a claim against you.

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What does Employers’ Liability insurance cover?

Employers’ liability insurance can provide cover for:

  • Compensation if an employee claims for injury or illness caused while working for you.
  • Fees for your legal representation at any coroner’s inquest of fatal accident inquiry and proceedings in any court of summary jurisdiction arising out of any alleged breach of statutory duty.
  • The claimants’ legal costs for which you are legally liable.