Insurance for Designers
Commercial artwork and graphic designers refer to the various commercial art forms, designing, and printing or reproduction processes used in commercial design, advertising or publishing. This work includes a wide variety of printing processes (which may include photography), each with its own unique set of hazards and concerns. Each operation’s processes need to be carefully reviewed and evaluated.
At Business Insurance Service, we understand not just the insurance industry, but the commercial sector too. Our brokers have years of experience and expertise in finding professionals from across all disciplines the right kind of Liability and Professional Indemnity insurance cover for professionals, giving both sole traders, SMEs, and large international agencies the protection they need.
What Insurance do Designers need?
Minimum recommended cover can usually be arranged on a Professional Indemnity (PI) combined policy to include Buildings, Computer Equipment & General Contents, Increased Expenditure, Employee Dishonesty, Public Liability, Employers’ Liability
Property exposure comes from the use of hot metals, moulds, chemicals, inks or dyes. Coupled with flammable solvents, this type of operation presents a high fire potential.
Premises liability exposures can be a concern; visitor access to any processing area should be controlled. Personal and advertising injury exposures are high. The type of designs and the end use of the item in production dictate the degree of exposure. Trademark or copyright infringements are potential loss hazards.
Crime exposure is from the Employee Dishonesty. Inventory and disbursement duties should be separated and regular audits performed.
Employers’ liability exposures can be serious from the hazards presented due to the chemicals or machinery. In computer operations, ergonomics, repetitive motion and carpal tunnel syndrome losses are common. Designing workstations to prevent worker injuries is important.
Professional liability is extensive. The designer is responsible for content and must meet the requirements of the client. Errors that misdirect the client’s potential customers as well as inaccurate information create a potential for lawsuits that must be insured against.
What other risks do Designers face?
Other exposure comes from the use of computers in the design industries. Computer-aided design programmes are available to assist in the development process and to make the design operation a high-tech experience.
Why not discover more about Business Insurance Service? Or simply get in touch with our services today.
How can Business Insurance Service help Designers?
Whether you’re a sole trader or a small to large company, your insurance portfolio has to be up to date and provide you and your business with the right level of protection. Rather than trying to find liability or professional indemnity insurance by hunting through countless websites, let us or our website do it for you.
We’re members of the British Insurance Brokers Association (BIBA) and work with some of the largest and best-known insurance providers in the UK, including Lloyds of London for larger, more complex and high-risk customers. We’re fully regulated and committed to delivering a premium quality, trustworthy and reliable service to all our customers, regardless of size.
As preferred brokers working with some of the largest insurance providers in the UK, we have immediate access to a huge range of policies for various businesses, including vets and surgeries. We provide our customers with a bespoke or package service, creating insurance portfolios that are specifically tailored to your individual needs, and your budget.