Compare business insurance quotes with Savvy to find the best policy for your graphic design business.
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Anyone in the graphic design business knows there are plenty of copyright considerations to be taken into account before starting a new job. For this reason, today’s graphic designers need business insurance to protect their interests if legal action is taken against them.
You can compare quotes for many types of business insurance here with Savvy. Just answer a few simple questions about your graphic design business and the insurance you need and you’ll have a wide range of offers to consider instantly from some of Australia’s most respected insurers. Compare with us to help you get the best-value insurance for your business today.
The main types of insurance to be taken out by graphic designers include:
Professional indemnity insurance
The greatest risks faced by graphic designers are legal liability risks. Whether it’s a claim that you breached the copyright of another artist or violated a patented trademark, there is always a risk someone in the corporate world will hit you with a lawsuit. For this reason, professional indemnity insurance is a must for all graphic designers, particularly if you work freelance.
Professional indemnity insurance covers you against claims that the service you provided (the provision of a design service) was negligent or fell short of expected professional standards. It’s an important type of insurance to have for graphic designers who work for multiple companies or organisations.
Cover is available starting from $250,000 but can reach up to $10 million or more.
What it covers
Cyber liability insurance
Cyber liability insurance can protect your graphic design business from a variety of forms of cybercrime.
What it covers
General business insurance
General business insurance may also be worthwhile if you have portable equipment such as computers and servers to protect as part of your graphic design business. Commercial vehicles aren’t included, so you may need separate commercial vehicle protection if your car is used mainly for your business.
What it covers:
What isn’t covered under business insurance for graphic designers?
Some of the main exclusions to look out for under these policies include:
There is no set cost for an insurance policy, as each applicant is different and faces unique risks. There are many factors which influence the cost of business insurance, including the following:
The main factor which will affect the cost of your insurance is the industry you’re in. All businesses in Australia are classified according to the risk their industry poses, and are allocated a risk ratio. These ratios are used by insurers to calculate the comparative risk of any one business compared to another.
You can find out how much insurance will cost for your graphic design business by comparing quotes right here with Savvy. Whether you need insurance as a sole trader or have a larger graphic design business, you’ll be able to find a policy that is perfect for your business needs here.
Since you’ve worked hard to set up your graphic design business, it makes sense to want protection in case things do go wrong. Business insurance offers protection in case there are any threats that could affect your business’ viability. It’s there to ensure you can withstand any legal claim or allegation made and enable you to defend yourself.
For example, imagine you’re based in the ACT but you are working for a company based in Melbourne. A rival Victorian design business makes an allegation that you’ve infringed their copyright in an original design you produced. Your professional indemnity insurance would cover all your legal and administrative costs for defending yourself against this action, so you could concentrate on running your business and making money.
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Disclaimer:
Savvy is partnered with BizCover Pty Ltd (ABN 68 127 707 975, AFSL 501769) to provide readers with a variety of business insurance policies to compare. Savvy earns a commission from BizCover each time a customer buys a business insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via BizCover.
Savvy does not compare all business insurance policies or providers currently operating in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.
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© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
