Did you know that we help illustrators, graphic designers and animators with bespoke insurance policies? We understand the risks faced by these professions and want to clear up any confusion about exactly what type of cover is required so you can feel confident in keeping your business running smoothly and headache free.
The most important policy to take out is Professional Indemnity insurance. It protects you against claims of professional negligence by a client, for the services or advice you’ve provided. It covers legal costs and expenses incurred, plus any damages and costs awarded to the client if their claims of negligence are sustained.
Professional Indemnity insurance covers claims for unintentional intellectual property or copyright infringement. For illustrators, graphic designers and animators, we regularly see claims such as unauthorised use of images or fonts. Professional Indemnity cover also protects you from unintentional breaches of a written contract. This might include not meeting your obligations to clients or suppliers.
What happens if a client is dissatisfied with the work you’ve produced and seeks compensation? Professional Indemnity insurance protects you in those circumstances too. Having it in place will hopefully bring you peace of mind, it’s a safety net that those working in creative services can’t afford to ignore.
It’s worth noting that if you are working under US or Canadian contracts, you need to make sure your Professional Indemnity cover extends to these jurisdictions.
Beyond Professional Indemnity, we would suggest that illustrators, graphic designers and animators also have:
Public Liability
This will cover injury or damage you are found to be legally liable for. This is an important cover if you sell your work at art fairs or exhibitions.
Employers’ Liability
If you have anyone working under your care, if you have a team or an assistant for example, this is a legal requirement.
Equipment
Equipment cover is essential for illustrators, graphic designers and animators who rely on laptops, tablets and phones for business purposes.
