Graphic designers are creative professionals who use their skills to create visual content for a variety of purposes such as commercial designs for advertising, websites, and publishing. They may work for businesses, organizations, or as freelancers. Of the 265,000 graphic designers in the U.S., 90% of these are freelancers. Regardless of their employment status, graphic designers are exposed to a number of risks that can impact their businesses. However, their work involves specific hazards and exposures that necessitate tailored insurance coverage. Let’s dive into the key considerations for writing insurance coverage for graphic designers effectively.
Property damage
Graphic designers typically operate in an office environment, primarily utilizing office equipment such as computers and photocopiers. However, if the designer handles printing operations in-house, additional property exposures arise. These include potential fire hazards from wiring, equipment wear, and overheating. The use of flammable solvents, chemicals, inks, dyes, and combustible paper supplies can further increase the fire risk. Insurance agents should assess the specific printing processes and equipment used by the graphic designer to provide appropriate property coverage.
Liability
Graphic designers can be held liable for any damage or injuries that their work causes. For example, if a graphic designer creates a logo that is later found to be infringing on someone else’s copyright, the graphic designer could be sued. While the premises liability exposure for graphic designers’ office spaces is generally minimal, off-site activities can present additional risks. When conducting shoots or working in public areas, insurance agents should ensure that safety measures are in place to protect members of the general public. Adequate space, clear aisles, proper flooring maintenance, and well-marked exits are important considerations. Additionally, agents should advise graphic designers on managing potential liability risks related to children who may be attracted to off-premises shoots.
When writing insurance coverage for graphic designers, agents should carefully consider the risks that these businesses face. By understanding the risks, insurance agents can help graphic designers to choose the right insurance policies to protect their businesses. By understanding the risks that graphic designers face and by recommending the right insurance policies, insurance agents can help these businesses to protect their assets and their bottom line. Take the necessary steps to protect your clients in the graphic design industry and ensure their peace of mind. Reach out to Coterie Insurance today and discover how we can support your efforts in providing tailored coverage solutions for your clients.
