Damaged equipment, missed deadlines, copyright disputes and client-related claims are just some of the unique risks illustrators face.
Having the right insurance protects your creative work, finances and professional reputation so, to make sure you’re properly covered, follow our handy checklist.
Professional indemnity (PI) insurance
PI insurance protects you from claims related to professional mistakes, missed deadlines, copyright issues or unhappy clients. It can help cover legal fees and settlement costs if a dispute arises.
It should provide:
- Cover for client disputes and legal claims
- Protection against missed deadlines or alleged negligence
- Copyright and intellectual property dispute cover
- Contract review support, if available
Equipment insurance
Equipment insurance helps cover the cost of repairing or replacing lost, stolen or damaged specialist tools like drawing tablets, cameras and high-spec printers.
It should provide:
- Cover for computers and tablets
- Protection for studio equipment and accessories
- Theft and accidental damage protection
- Replacement cost cover
Public liability insurance
If you work from a studio, attend conventions or meet clients in person, public liability insurance protects against third-party bodily injury or property damage claims.
It should provide:
- Client injury protection
- Cover for accidental property damage
- Event and exhibition cover
- Studio or shared workspace protection
Cyber and data protection
Cyber insurance protects against data breaches, ransomware or file loss relating to things like client files, contracts and digital artwork.
It should provide:
- Secure cloud storage considerations
- Cover for lost or corrupted files
- Cyber attack and ransomware protection
- Client notification and recovery support
- Secure cloud storage considerations
Review your policy regularly
As businesses grow and change, so should your insurance cover. Review your cover annually to ensure your policy reflects new equipment, larger projects, additional clients or expanded services.
With the right insurance you can focus on your creativity with greater confidence and financial security.
And if you’re still unsure, talk to our friendly experts for more advice.
