Insurance for Graphic Designers
Graphic design and arts refers to the various types of art forms and printing or reproduction processes—including photography—that are used in commercial arts for design, advertising, or publishing. This work includes a wide variety of printing processes. It might be as simple as computer graphics or as complicated as monotyping or woodprints. The individual 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 does a Graphic Designer 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 exposures may be as simple as an office exposure or may involve wood, paints and adhesives. Are there flammables and if so, where and how are they stored? What is the media to which the paint is applied? There are different types of papers, woods and metals that may be used, which can lead to fire hazards.
Premises liability exposures is minimal provided visitor access to the printing area is limited. There should be conference rooms where design may be discussed, away from the production area.
Crime exposure comes from Employee Dishonesty. Controls and monitoring are very important in controlling theft. All ordering, billing and disbursements must be kept separate and reconciled. Annual audits are important. Inventory control is also important to deter employee theft.
Employers’ liability exposure depends on the paints, chemicals and media used. All employees must be informed of the possible effects of chemicals so that they can recognise early warning signs of problems. Since many graphic artists use the computer to design programmes, repetitive motion injuries are common. Workstations should be ergonomically designed to prevent injury.
Professional liability from Professional Indemnity is always a concern, so all orders must be in writing. Any changes in orders must also be in writing. There must be a proofing mechanism along the way to prevent minor mistakes turning into major errors.
What other risks does a Graphic Designer face?
Other exposure is from Book Debts, Computers and Deeds and Documents. Copies of all data items, especially one-of-a-kind artwork, should be stored off site to enable easy restoration. There may also be Specie and Fine Art and Goods Held in Trust exposures.
Why not discover more about Business Insurance Service? Or simply get in touch with our services today.
How can Business Insurance Service help Graphic 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.