Blog

Oct
24
Why Graphic Designers Need Liability Insurance

Responsible business owners know they need to protect their business and its clients from potential liability issues. Graphic designers (sometimes known as web designers) are in just such a business. As a web designer, you may think that liability coverage is not needed by your business — but it’s time to view the risk through a fresh lens.

WHY GRAPHIC DESIGNERS NEED LIABILITY INSURANCE

How General Liability Insurance Protects Your Graphic Design Firm

If you are sued, your general liability insurance (GLI) protects you from the costs of an expensive lawsuit and any settlement after your deductible is met and before you reach the limits of your policy.

Lawsuits can cause the end of your business. Owners of small- and medium-sized businesses, especially startups, do not have the reserves needed to pay legal fees and a settlement. But when you protect your business with insurance, many incidents resulting in a lawsuit are covered.

Also, lawsuits are time sinks, robbing time from your business as you prepare your case with your lawyer. When you have general liability insurance, you can continue to focus on what you need to — growing your business.

If you need to appear in court during the lawsuit, business interruption coverage can pay you a weekly or monthly sum so that you can meet family and business expenses.

Moreover, in addition to the policy covering you for general liability, you also get specific coverage needed by your graphic design firm. This special coverage protects you and your business from claims of:

  • Copyright Infringement
  • Libel and Slander
  • Brand Infringement

Perhaps one of your employees inadvertently uses copyrighted material — such as an image, copyright protected text or even musical lyrics — when designing a client’s web page. Your client may be the subject of a lawsuit and decide to cross sue your company. With a general liability business insurance policy, you can either defend yourself or settle the lawsuit, subject to policy deductibles and limits.

Protect Your Property And Your Company

For more savings, most companies that offer general liability insurance also offer property insurance for your business. Buying two policies from one company can be pricey. A better way is to buy a Business Owner’s Policy (BOP) that combines both types of insurance into a single policy that is less expensive than buying two individual insurance policies.

Business owners often wear many hats and some miss a thorough review of insurance needs. Contact a trusted insurance professional to check your business insurance portfolio.

Ensure the protection of your livelihood? Call Huntington Pacific Insurance Agency at (800) 878-4742 for more information on Huntington Beach CA general liability insurance.