Graphic Design Insurance Rates
How Much Is Business Insurance for Graphic Designers?

Irrespective of the size of the business or the number or type of policies purchased, the average annual cost of insurance for freelance graphic designers and small graphic design firms in 2014 was $588.54, significantly lower than the average cost for small businesses in general. The median cost was $500.00.

Liability insurance for graphic designers can help pay for the costs associated with being sued. Whether you inadvertently use copyrighted material incorrectly or your designs don't lead to the results a client was hoping for, your insurance can cover your costs if you're sued.

As with most business expenses, insurance costs vary greatly from one operation to another. While we can't generalize about the cost of small business insurance, we've provided some rough estimates below that will give you a good idea of what the typical graphic design business pays for business insurance.

Note: These insurance quotes are only estimates. Premiums can vary.

How Much Is Errors and Omissions Insurance (Media Liability Coverage) for Freelance Designers and Small Design Firms?

Media Liability Insurance (also called Professional Liability Insurance or Errors and Omissions Insurance) can help cover the legal costs when a graphic designer is sued over problems with their work. For example, if a website you design fails to yield the increase in conversions your client expected, they might sue you (even if you're not really to blame). In a case like that, Media Liability Insurance can usually pay for your attorney's bills, as well as any settlement or judgment costs you're found liable for.

The average cost of a $1M / $1M E&O policy for a graphic design firm was $733.87, significantly lower than the average cost for advertising and media professionals in general ($873.23) and for small businesses in general ($967.38).

To see how the cost of Errors and Omissions Insurance for graphic designers compares with other industries, visit Insureon's Professional Liability Insurance Cost Analysis.

How Much Is General Liability Insurance for Freelance Designers and Small Design Firms?

General Liability Insurance helps cover the costs associated with certain third-party lawsuits, including slip-and-fall accidents and reputational injuries. So if a visiting client trips over a loose cord at your office, breaks her ankle, and insists that you pay her medical costs, your General Liability Insurance may cover the bill. It may also step in if you're accused of slander or libel in a lawsuit, say, because of a confusing image-and-text juxtaposition.

The typical $1M / $2M General Liability Insurance policy for small design businesses costs between an average of $407.48, slightly lower than the typical cost for small businesses in general.

To see how the cost of General Liability Insurance for small advertising agencies compares with other industries, visit Insureon's General Liability Insurance Cost Analysis.

What Does a Business Owner's Policy Cost?

A Business Owner's Policy (BOP Insurance) bundles General Liability Insurance and Commercial Property Insurance for a discount. Offered only to low-risk businesses, BOP Insurance is an excellent way for many graphic designers to save money on coverage. The Property portion of this policy offers repair or replacement costs when your equipment, furniture, or gear is damaged by covered events or stolen.

Business Owner's Policies for small design firms typically average $560.76 in annual premiums, significantly lower than the industry average and the average cost for small businesses in general.

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