Professional indemnity insurance for designers

Draw on this

Pick a designers' insurance package (if your turnover's under £75,000) or build your own.

Essential
Professional indemnity: £250k
Public liability: £1m
Employers' liability: £10m

£19.61

10 monthly payments

Classic
Professional indemnity: £1m
Public liability: £1m
Employers' liability: £10m

£27.03

10 monthly payments

Pro
Professional indemnity: £1m
Public & employers' liability
Office contents: £5k

£29.28

10 monthly payments

Essential

£19.61

10 monthly payments

Professional indemnity: £250k
Public liability: £1m
Employers' liability: £10m
Classic

£27.03

10 monthly payments

Professional indemnity: £1m
Public liability: £1m
Employers' liability: £10m
Pro

£29.28

10 monthly payments

Professional indemnity: £1m
Public & employers' liability
Office contents: £5k

A professional image

The devil's in the detail – small oversights can mean big problems. That's the correct font, right? And you did get the licence to use that image, didn't you?

Well don't worry. Designers' professional indemnity insurance helps if you make a mixtape.

Sorry, a mistake. Easily done isn't it?


Why do designers need professional indemnity insurance?

If anything, you need it more than most.

Because it's not just dissatisfied clients who cause problems (and they DO cause problems). Often, your work is out there in front of the general public too, and that means open season.

What if someone thinks your great design idea was their great design idea first? The reality is, rightly or wrongly, accusations and allegations happen every day. Before you know it, solicitors get involved and people want payback.

Claims and allegations have a nasty habit of not going away, too. And ultimately, it doesn't really matter who's pointing the finger. The fact is you have to do something about it for the sake of your business.

So, you need professional indemnity insurance because you have a business to run. But you also need it because you don't have a bottomless pit of money. And because you’re not a legal expert. And because your reputation is everything.

What else is there?

How much professional indemnity insurance do I need?

If you've decided you need some cover, all you have to do is decide how much 'some' is. Easier said than done.

There are no hard and fast rules. Our best advice is to remember that your policy covers you and your business. Seems obvious but that means thinking about what you do, who you do it for and how much it’s worth. If something goes wrong, what could the knock-on effect be (worst-case scenario in other words). What’s the most expensive mistake you could make?

In fairness, actual professional negligence is pretty rare. It's more likely you'll just be accused of it. Even so, defending you can cost tens of thousands of pounds and your level of cover has to be enough to cover, potentially, more than one allegation.

If you're looking for more help, read of this guide or give us a call.

What does professional indemnity insurance cover?

Negligence claims and allegations made against you by clients and third parties, leading to financial losses, and because of mistakes you’ve made and things you’ve failed to do.

Specifically (but depending on the policy wording):

  • Defamation
  • Intellectual property infringement
  • Loss of documents or data
  • Negligent misrepresentation or misstatement
  • Employee dishonesty
  • Virus transmission
  • Breach of confidentiality
  • Failure of third-party equipment

Here's the good bit. Decent professional indemnity insurance for designers can pay to fix a mistake before your client is even aware of it, thereby preventing a claim in the first place.

Clever stuff.

What else do I need?

Public liability insurance is for when you go out and about on business, or have visitors to your studio. It’s for claims of physical damage to property and people. Useful if you’re clumsy.

Employers’ liability insurance covers your business if an employee sues it for damages. Claims are usually because they’ve suffered injuries and illnesses as a consequence of working for you. It’s a legal requirement for UK businesses with employees.

Office and property insurance covers the things in your studio (furniture, plants, fixed IT equipment etc) and portable insurance covers gadgets and technical equipment away from the studio (laptops, tablets, projectors etc). If you’re not sure it’s worth insuring, add it all up – it’s probably worth more than you think.

Business interruption insurance means you can still work when your studio is out of action. Be it flood, fire or flea infestation, you’re covered for the costs of setting up elsewhere and for any lost revenue in that time.

Directors’ and officers’ insurance covers your company bosses. Anyone from regulators to shareholders to competitors can accuse you of not running a business with due care. Worse, directors are personally liable for their actions. The good thing is this insurance covers your defence costs and any compensation you have to pay. So you can put away your chequebook.

Why should I buy my insurance from you?

Glad you asked.

The simple answer is: we know what we're doing. Professional insurance is all we do so we know what you need, even if you don't.

We also know that buying insurance can be, well, a bit of a pain. So we make sure getting yours is quick and hassle-free.

We do all that while treating you like a human being, too. You won't find a call centre here. Or a phone menu. And we've banned nonsense insurance jargon.

Anything else? Well, there's the great stuff you get, such as 10% off everything at MOO. We have an 'I'm insured!' badge for your website too – perfect for the professional professional.

Also, you get to talk about your business in front of thousands on our blog, and we'll give you money each time you recommend us.

Plus, every insurance-related question you can think of is answered in our School of Risk, and you'll get our quarterly risk advice email – 'The Waggle' – to help you avoid problems in the first place.

If you're after a second opinion, have a look at our customers' feedback. They're the ones you should really listen to.

Risk tips for designers
School of risk for designers

One day my prints will come

Professional indemnity insurance helps protect you and your business if you make a mistake, and your client sues you for their loss. But you already know that.

Read more...

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What our customers say

Friendly staff, efficient and pain free service. Would recommend.

Very easy process to complete compared to many other insurance options out there currently on the market.

Excellient service easy to use and everything clearly detailed.

Good website with clear information and pricing options. I was very pleased that everything was upfront and nothing was hidden away in small print.

Very friendly, very efficient.. Simple terms.. Can't fault the service.. 10/10..!

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Need a hand?

No problem – we'll call you.

Sarah Adams - our designers' insurance expert

I'm Sarah,
our designers' insurance expert.

Got a question? Need a quote? Call me on
0845 872 5085, or click
'Call me back'.