Design Professionals Insurance

Easy, quick and personalised business insurance for designers.

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Trusted by over 23,000 clients for their business insurance
Quick and easy online cover for your profession
Rated 4.7 out of 5 by over 3,500 clients at feefo.com
Designer sat in his home office, looking at his laptop screen.

Caunce O’Hara’s business insurance offers comprehensive cover for a range of risks faced by nutritionists and dietitians, including alleged negligence and poor advice.

As a freelance design professional you will work on a variety of creative projects from typesetting to artworking for print and designs for presentations. Designers require technical skills and creative flair, whilst also having the ability to interpret a brief to deliver a clients’ objectives.

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What is design professionals’ Insurance?

Professional Indemnity insurance for designers provides essential business protection for you as a freelance designer and for your clients and will provide cover if a client decides to make a claim against you for a financial loss alleged to have been caused by the designs you produce for them.

Why do designers need insurance?

You produce some outstanding designs for a client, but your client says that you’ve missed the brief and have cost them extra money to get someone else to do the work for them. Your client makes a claim against you to recoup the extra costs.

They could say that your designs weren’t commercial enough, or the colours you used didn’t match their branding, or that you used imagery that wasn’t consistent with their brand guidelines. The possible reasons for a claim are many.

It’s straightforward to protect yourself for instances such as this with our professional indemnity insurance.

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Why should I choose Caunce O’Hara for my insurance?

As freelance insurance experts, we're your number one choice for your business protection.

Caunce OHara business insurance for contractors and freelancers
1

Trusted by over 23,000 clients for their business insurance.

2

Immediate cover available, with documents issued via email in minutes!

3

Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.

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***** Great customer service. I’ve been using Caunce O’Hara for my business insurance for several years. Customer service is always excellent! I’d recommend them.
Trusted Customer
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***** Efficient and simple. A renewal should be a simple process, and it was. Caunce O'Hara kept me informed with updates. I spoke to an advisor who was prompt and efficient. The documentation came through immediately and is clear so I am set up for another year.
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Feefo
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***** Provided expert advice and offered required cover. Have provided cover for several years and always competitive and efficient.
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Frequently Asked Questions

Professional indemnity insurance will provide cover for designers should a claim of negligence be made against you by a client who alleges that your work for them has caused them a financial loss.

A couple of examples could include:

Negligence

You are responsible for artworking a clients designs for a print run. The colour settings on the digital printer should have been recalibrated prior to print, and as a result the printed documents’ colours are incorrect and do not match the clients brand.
The printing needs to be redone and has delayed the mailout of the document. The client alleges that your negligence has delayed their project and makes a claim for revenues lost as a result of the delay.
Professional Indemnity insurance would respond to provide cover for your legal costs in this instance.

Breach of contract

You are contracted for 12 months to a client to assist their busy design team. You start work on another opportunity before your contract finishes which contravenes the terms of your contract. Your client is unhappy and decides to make a claim against you for breaching the terms of your contract.

Professional Indemnity insurance would respond to provide cover for your legal costs in this instance.

As an example quote: a design professional with an annual turnover of up to £50,000 per annum, with a £500,000 indemnity limit in any one claim, would pay as little as £192.00 per annum for professional indemnity insurance, which we think is great value considering the cover and peace of mind that you benefit from (Figure correct as of 22.11.2021).

Which other insurance policies can design professionals benefit from?
Apart from Professional Indemnity insurance (PI), designers are usually asked to carry Public Liability insurance (PL), especially if they work from their clients’ offices. In many contracts you are not allowed to begin any work without being able to prove you have PI and PL insurance in place.

As a freelance limited company owner, a claim can be made against you personally with unlimited personal liability, even after an unsuccessful claim against your limited company has ended. Directors and Officers insurance will protect you in this instance and is provided as part of our Business Combined Liabilities insurance.

If you employ staff, or you’re looking to employ a member of staff you will be required by law to carry a minimum of £5million of Employers’ Liability (EL) insurance.

Tax Enquiry and Legal Expenses insurance will provide cover for costs incurred from a legal occurrence or claim that your indemnity and liability insurance does not cover, including tax investigations.

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Call 0333 321 1403

Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.

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Contact Caunce O'Hara for your business insurance today