Graphic Designer Insurance

Create with confidence with tailored insurance for graphic designers. Build your own cover with Public Liability, Equipment Insurance and more.

Graphic Designer Insurance

Create with confidence with tailored insurance for graphic designers. Build your own cover with Public Liability, Equipment Insurance and more.

Flexible insurance cover tailored to the needs of graphic designers

Whether you are creating a brand's logo, an advertisement poster or digital illustrations, your designs influence perceptions and decisions.

While your primary focus is on visual creativity, potential risks - from client disagreements over design concepts to damaged or stolen laptops - can disrupt your artistic journey. Graphic designer insurance provides cover so that these unforeseen challenges don't hinder your creative pursuits.

Discover the different types of cover available for graphic 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 caused as a direct result of your work, for example, your clients might expect you to have this when visiting their premises.

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Why graphic designers might need it

Face-to-face interactions, especially during presentations or collaborative sessions, can sometimes lead to unforeseen incidents. If a client or visitor gets injured or their property is damaged during a meeting, Public Liability insurance provides cover so you can be shielded from potential liabilities.

Professional Indemnity Insurance

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What it covers

Offers protection against claims of negligence, errors or omissions in the designs you create.

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Why graphic designers might need it

Your clients trust you to deliver designs that resonate and communicate effectively. If there's a claim of dissatisfaction or a perceived error in your artwork, this cover can protect your reputation and your finances.

Employers' Liability Insurance

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What it covers

Protection against claims from your employees related to injuries or illnesses sustained while working for you. Remember, this insurance is a legal requirement if you have employees.

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Why graphic designers might need it

In the event of any claims being made against you from current or former employees, Employers’ Liability insurance can offer cover so you are not financially exposed in terms of paying legal fees and compensation payouts.

Equipment Insurance

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What it covers

Protection for your design tools – from graphics tablets to high-resolution monitors – against theft, damage or loss.

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Why graphic designers might need it

Your tools are the bridge between your imagination and the final design. A damaged or stolen laptop, for instance, can seriously disrupt your design process and impact project timelines. Get covered to continue creating without interruptions.

Why Choose Mode Insurance?

The world of graphic design is intricate and diverse, with talented creatives like you at its heart.

At Mode Insurance, we understand the unique challenges and joys that come with translating ideas into designs. Our tailored policies mean that every design, every concept and every visual can be covered.

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.

Professional Indemnity Insurance For Graphic Designers

For graphic designers, precision and the highest quality in client work are not just goals – they’re necessities. Yet, in the complex world of graphic design, even with meticulous attention to detail, unforeseen issues can arise.

This is where business insurance tailored for graphic designers becomes a safeguard. Vulnerable to specific challenges like copyright infringement claims and client disputes, having the right insurance means you're always prepared for these professional hazards.

Professional Indemnity insurance is particularly important for graphic designers as it can act as a shield if your client claims there are mistakes or oversights in your designs and they then make a claim against you.  In the realm of graphic design, a minor error can incur major costs.

Picture a scenario where you've designed packaging for a client and, after thousands of units are produced, a defect is found. If such a mishap causes financial loss to your client leading to a claim, Professional Indemnity insurance is there to cover the legal fees and any compensation.

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.

Graphic Designer Insurance FAQs

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