Digital Designer Insurance

A basic office insurance may cover common issues, but it might not be appropriate for your business. As a designer you have very specific challenges and you need to make sure these are all accounted for in an insurance policy.

You can. However, it’s a good idea to check the small print of a policy to make sure cover extends beyond your office. You may need cover for items such as company mobile phones or laptops being used away from your office premises.

No. Much of what we’ve described here will be the responsibility of your landlord. You only insure those items which you own such as computers or office equipment. Likewise, you don’t need to insure contents which belong to your landlord. You will also need to insure you have adequate liability cover for your business though.  This will protect you against claims of negligence towards the public or your staff.

Calculating your cover can be complex. You should find out the total rebuild cost of the office (if you own the building), so that even if it burns to the ground your insurance will be covered.  You will also need to assess the replacement cost of all your contents and equipment to ensure you have the appropriate cover in place.

No. Your home insurance policy does not cover anything you use for your business. You’ll have to make sure it’s included in your office policy.

Every policy is tailored to the exact needs of that individual or business, meaning no two digital designer insurance policies are the same. However, most tend to come with public liability insurance (for claims regarding personal injuries or property damage), business equipment insurance (to cover the costs of lost, stolen or damaged equipment), and employer’s liability cover – a legal requirement for any business that employs staff.