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Typography, artistic flair, online interfaces – whichever your strength as a designer, unexpected setbacks can be a big shock to your bank account. Insurance helps you prepare your business for the worst case scenario. We cover graphic designers, product designers, web designers, fashion designers and more. You’ll need to select your specialism when you get a quote, but here we'll steer you in the right direction.
There’s no one-size-fits all when it comes to design. You know the ins and outs of your business, so we help you customise your insurance policy to suit your setup. Whether you freelance solo or manage a team – from must-haves to optional extras, you can piece together the cover you need.
Public liability insurance
In case your business damages someone else’s property or causes an injury.
Employers’ liability insurance
In case something happens to an employee while they’re working for you.
Business and office equipment insurance
In case your business and office equipment is lost, stolen, or damaged.
Legal expenses insurance
In case you’re faced with legal costs as the owner of your design business.
Personal accident insurance
In case you or anyone you've covered has an accident.
Professional indemnity insurance
In case you get something wrong in your work or fail to deliver the expected results.
In case your business damages someone else’s property or causes an injury.
What’s typically covered by public liability insurance?
Claims against your business for:
For example:
Read more about public liability insurance
In case something happens to an employee while they’re working for you.
What’s typically covered by employers’ liability insurance?
Claims against your business for:
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
In case your business and office equipment is lost, stolen, or damaged.
What’s typically covered by business and office equipment insurance?
For example:
Read more about business and office equipment insurance
In case you’re faced with legal costs as the owner of your design business.
What’s typically covered by legal expenses insurance?
For example:
Read more about legal expenses insurance
In case you or anyone you've covered has an accident.
What’s typically covered by personal accident insurance?
For example:
Read more about personal accident insurance
In case you get something wrong in your work or fail to deliver the expected results.
What’s typically covered by professional indemnity insurance?
Legal and/or medical expenses relating to claims against your business for:
For example:
Read more about professional indemnity insurance
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
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How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 October 2019 - 31 March 2020). Most customers pay more than this but some pay less.
£13.43 /month
£114.34 /year
A self employed graphic designer who takes contract from small businesses
Public liability insurance
Not included
Employers’ liability insurance
Not included
Professional indemnity
£50,000
£56.61 /month
£503.16 /year
A small design company that offer services such as website deisgn and marketing material nationwide
Public liability insurance
£1,000,000
Employers’ liability insurance
£10,000,000
Professional indemnity
£500,000
How we work out example quotes These examples are real quotes from our online system (created 23/09/2020). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
---|---|---|
Public liability | £100 | £2500 |
Employers' liability | No excess | No excess |
Business and office equipment | £50 | £750 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
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We handle claims, so you can get on with business
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Which type of workers do I need insurance for?
Does designers' insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
Employers’ liability insurance is a legal requirement if you employ people.
If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.
Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider Photography insurance or Web marketing?
If you provide these services alongside building work, make sure you’re covered:
Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.30am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.00pm, Sat 09.00am - 02.00pm
Call our team
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
Paying 80% of settled claims within 24 hours in 2019
Having design insurance insurance through Simply Business has saved designers thousands of pounds when the unexpected happened.
While at a restaurant, Anna (not her real name) noticed that she’d lost her business laptop. The CCTV footage didn’t reveal any clues. She logged the incident with the police and was able to buy a replacement laptop with the help of her insurance.
£1,749.00
Covering the cost of the accidental loss
£100
The excess amount stated in Anna’s policy terms
We started out as a team of five back in 2005. We’ve grown since then with 600,000 customers across 1,500 trades now trusting us to provide their business insurance.
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Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for designers.
We create this content for general information purposes and it should not be taken as advice. Always take professional advice. Read our full disclaimer
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