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Why do graphic designers and commercial artists need insurance?
Your graphic design business could face devastating legal costs if you're accused of copyright infringement or plagiarism. Business insurance provides financial protection from lawsuits, theft, injuries, and accidents. Some policies may be required by state law, clients, or a lease agreement.
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Insureon helps graphic designers and commercial artists compare small business insurance quotes from top U.S. companies online.
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What types of insurance do graphic designers need?
These insurance policies cover common risks faced by graphic designers and commercial artists.
General liability insurance
A general liability policy covers accidents that injure a client or damage their property. Bundle it with commercial property insurance in a business owner’s policy (BOP) to save money.
BEST FOR
- Third-party property damage
- Third-party bodily injuries
- Commercial lease requirements
Professional liability insurance
Professional liability coverage pays legal defense costs related to work mistakes or copyright infringement. It's also referred to as media liability insurance or errors and omissions insurance.
BEST FOR
- Accusations of negligence
- Work mistakes or oversights
- Accidental copyright infringement
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for graphic designers and artists to purchase general liability coverage and commercial property insurance together.
BEST FOR
- Damaged client property
- Slip-and-fall injuries at your studio
- Stolen or damaged business property
Workers’ compensation insurance
Most states require workers' comp for graphic design businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical bills
- Disability benefits
- Legal fees from employee injuries
Cyber insurance
This policy covers financial losses related to data breaches and cyberattacks. It's strongly recommended for any small business that handles credit cards or other sensitive data.
BEST FOR
- Data breach recovery
- Client notification costs
- Fraud monitoring services
Commercial auto insurance
Commercial auto insurance helps cover costs if a vehicle owned by a graphic design company is involved in an accident. It's usually required for business-owned vehicles.
BEST FOR
- Property damage caused by your vehicle
- Injuries caused by your vehicle
- Vehicle theft or vandalism
Looking for different coverage? See more policies.
How much does insurance cost for media and advertising professionals?
A graphic designer who works on their own will pay less for insurance than a larger company.
Factors that affect the cost of insurance include:
- Media and advertising services offered
- Business property and equipment
- Revenue
- Years of experience
- Type of business insurance coverage
- Policy limits and deductibles
How do I get graphic designer insurance?
It's easy to get graphic design insurance or website design insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your graphic design business, whether you work independently or hire employees.
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