Professional Liability Insurance for Graphic Designers

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What Is Graphic Design Insurance

designers professional indemnity insurance Whether you’re creating a new logo, a flyer or an entire website, your graphic design firm brings clients’ ideas to life. But like other businesses providing professional services, your graphic design firm faces unique risks. Graphic design insurance is business insurance that can help protect your firm from those risks.
Maybe you have a client who blames your logo design for a decline in their business. Or maybe your client believes a design you created wasn’t what you agreed to. Regardless of the issue, mistakes can turn into lawsuits against your firm. This is where professional liability insurance can help.

Business Insurance for Graphic Designers

There are several different types of business insurance coverage. Workers’ comp is one, and it helps provide benefits for employees who get hurt or sick because of their job. Meanwhile, data breach coverage helps protect you in case personally identifiable information is ever lost or stolen.
Graphic design insurance can help protect design professionals, graphic designers and other creatives from different risks. One type of graphic design insurance is professional liability insurance, which helps protect your firm from client lawsuits. Lawsuits can happen if your design firm makes a mistake, or even if your client just thinks you made a mistake.

Liability Insurance for Graphic Designers

There are two types of liability insurance for graphic designers. General liability insurance (GLI), also known as public liability insurance, helps protect you from claims if someone says your business caused:
  • Bodily injury
  • Property damage
  • Copyright infringement
Professional liability coverage helps protect your business from lawsuits related to the services you provide. It’s also called:
  • Errors and omissions insurance
  • E&O insurance
  • Professional indemnity insurance
No matter how hard you try to avoid them, mistakes can happen when you’re a graphic designer. Professional indemnity insurance for graphic designers helps protect you if you made a mistake or left out a part of the service you agreed upon with your client. That’s why for designers, professional indemnity insurance is important.

What Professional Liability Insurance for Graphic Designers Covers

A professional liability insurance policy helps cover:
  • Professional negligence
  • Inaccurate advice
  • Misrepresentation
  • Violation of good faith and fair dealing
Insurance companies write these policies on a claims-made basis with a retroactive time frame. This means your policy only covers claims made against you for something that happens after the retroactive date.
Let’s say a client files a lawsuit because they believe a decrease in sales is due to a logo you created in 2016. Because that event occurred after your policy’s retroactive date, professional liability insurance can help cover your legal costs.
Now, let’s say your firm faces a lawsuit from 2010 because you didn’t meet the full terms and conditions of a contract. That event took place before your retroactive date, so professional indemnity insurance wouldn’t cover your defense fees and any damages awarded.

Estimating the Cost of Professional Liability Insurance for Graphic Designers

Your cost for professional liability insurance can depend on many factors, including:
  • Policy terms, like choosing a higher coverage amount or earlier retroactive date.
  • Company size, because the more employees you have, the more it can cost for coverage.
  • Location, because some states have liability coverage minimums that can increase your insurance cost.
  • Claims history if your firm has a history of lawsuits.
  • Revenue, because if your firm generates more revenue, it can increase your risk for lawsuits.
Because of these different factors, your design firm's insurance rate may be higher or lower than someone else’s. A good estimate is that you’ll pay about $500 to $1,000 a year per employee for coverage. So if your design firm has 10 employees, you may pay between $5,000 and $10,000 for E&O insurance.

Get a Quote on Advertising Agency Professional Liability Insurance

Professional liability insurance is important for businesses that work with customers and clients. Without coverage, you could face large legal bills if your design firm gets sued for services you provided. Get a quote today to find out how much professional liability insurance could cost for your business.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In Arizona, New Hampshire, Washington and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company, Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company.
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