Insights and Resources

Yes, having appropriate business insurance can help you qualify for work with larger clients as a graphic designer, particularly when insurance is part of a client’s procurement or contract requirements.

You complete a wedding, event or commercial shoot, but important files are corrupted, key shots are missed or the final work does not meet the client's brief.

Professional Indemnity (PI) insurance is often described as cover for claims arising from professional errors and omissions. While that is broadly true, it can create misconceptions about the types of claims a policy may actually respond to.

You finish photographing a wedding, but a storage failure corrupts part of the shoot and important images cannot be delivered. At another job, a guest trips over a lighting cable and injures their wrist.

Freelance graphic designers can face two different types of business risk. A client may allege that a design error, missed specification or copyright issue caused financial loss.

A client visits your workspace and trips over a cable. At another job, you accidentally damage equipment while working at a client’s premises. If someone has been injured, the priority is to ensure they receive appropriate medical attention and to address any immediate safety risks.

As a yoga instructor, you make professional judgements every time you teach. You decide how to cue alignment, modify poses, supervise students and structure a class from one movement to the next.

A Product Liability claim can arise when a product a business manufactures, imports, sells, supplies, installs or repairs allegedly causes bodily injury, illness or damage to someone else’s property.

Choosing the right Public & Product Liability insurance policy involves more than simply finding the lowest premium option. You also need to select a liability limit, which is the maximum amount the insurer may pay for covered claims, as set out in the policy wording.