Public and Product Liability Insurance for Graphic Designers

Protect your design business from liability claims. Cover for third-party injury and property damage, so you can meet clients, visit sites or run a studio without worrying about unexpected incidents.

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  • A+ Rated Security, Backed by Lloyd’s
  • APRA Regulated
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Cover up to $20 Million
Get high-level protection against liability claims
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Receive an online quote in real time
Tailored for Graphic Designers
Cover aligned to client-facing and on-site work risks
Available 24/7
Buy a cover or submit a claim anytime online

Why Graphic Designers Need Public and Product Liability Insurance

While much of your work happens behind a screen, you may meet clients or visit client workspaces to pitch, conduct meetings, present design concepts or finalise project outcomes. These activities can expose your business to real-world risks involving clients, their equipment and property.

Accidents can happen during everyday interactions. A client may trip over power cables in your workspace, showroom or trade show booth. Or you could accidentally damage equipment while working at a client’s premises. Even minor incidents can result in claims, legal costs and compensation demands.

Public and Product Liability (PL) Insurance helps protect you in these situations. It can cover legal defence costs and compensation payable if your business activities cause third-party injury or third party property damage, subject to policy terms and limits.

“At Sami Insurance, we make PL Insurance simple for graphic designers. Clear cover, fast quotes and support, so you can focus on your creative work.”

Client or Visitor Injury

Accidents in studios, events or shared workspaces can lead to injury claims against your business.

REAL WORLD RISK
Client seeks compensation after being injured during a visit

Damage to Client’s Property

Working at client sites or meetings may result in accidental damage to valuable equipment or assets.

REAL WORLD RISK
Client claims costs for their damaged equipment during a meeting

Risks in Shared or Co-Working Spaces

Loose cables, equipment or temporary setups, creating trip risks in shared working environments.

REAL WORLD RISK
A visitor trips over cables in a shared workspace and files a claim

How Much Does PL Insurance Cost for Graphic Designers?

For graphic designers in Australia, Public and Product Liability Insurance can start from around $5 per week, depending on your turnover, business setup and the cover limit you choose.

Your Turnover

The level of your turnover can influence your exposure to third-party risks.

Level of Cover

Higher cover limits provide greater protection, but may increase your premium.

Professional Experience

Greater experience can signal lower risk to insurers, which may result in more competitive premiums.

Organisation Size

An increase in staff can raise risk exposure, which is factored into premium calculations.
“We offer policies that reflect your work environment, activities and exposure, not a one-size-fits-all policy.”
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Starting from $5* per week

Get Covered in 3 Easy Steps

Receive a quick quote, get covered and make a claim – all through our online platform.

Get Insured
Make a Claim
1
Share Your Design Business Details
Tell us about your design business setup.
2
Select Cover and Get Your Quote
Select your cover level based on your business services. Get a quick quote instantly.
3
You’re instantly covered!
Pay online and activate your policy immediately. Download your Certificate of Currency (CoC) anytime.
1
Report an Incident Online
Log in to your account and submit details of the incident, including any damage or injury involved.
2
Review the Claim
Our underwriter will review the information and may request additional details if required.
3
Claim Progress & Resolution
Our underwriter will keep you informed throughout the process and confirm the outcome.

Get Public Liability Insurance for Your Design Business Today!‍

Meeting clients, working in shared spaces or running a studio exposes your business to third-party accidents. Get PL cover online in minutes, so you’re ready when clients request proof of insurance.

Quick Quote received in real-time. No waiting.

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What Public and Product Liability Insurance Covers for Graphic Designers

Our PL Insurance covers the real-world risks that come with running a graphic design business in physical environments, from client interactions to on-site work, subject to policy terms and limits.

Third-Party Injury

Injury to a client, visitor or member of the public caused by your business activities.

Property Damage

Accidental damage to client or third-party property during meetings, site visits or work.

Legal Defence

Legal defence costs incurred in responding to, defending or settling a covered claim.

Compensation Costs

Damages payable for injury or property damage where you are found liable.

Product Liability

Cover for injury or damage caused by printed materials or merchandise you supply, if applicable.

Additional Costs

Expenses such as investigation or first aid costs related to an incident.

What’s Not Covered

While our cover is extensive, certain situations fall outside its scope. We cover accidental incidents, not intentional acts, known issues, damage to your own property and other exclusions outlined in your policy wording.

  • Incidents or circumstances known before your policy started

  • Intentional or reckless acts causing injury or damage

  • Incidents not related to your business activities

  • Damage to your own property or equipment

  • Faulty workmanship or costs to rectify your own work

  • Financial loss arising from your design work or services

  • Errors or omissions in your professional services

Smart Protection for Client-Facing Design Work

Compare handling a liability claim on your own versus having Public Liability cover behind you.

Unprotected

CRISIS: INJURY CLAIM FILED
A client trips over a power cable in your studio and is injured. They file a claim for medical costs and damages.
You respond to legal notices and the claim yourself
IMPACT: LEGAL AND TIME BURDEN
Hours lost to coordinating with lawyers, responding to claims and gathering evidence.
Legal fees and admin costs paid out of pocket
RESULT: FINANCIAL AND OPERATIONAL STRAIN
Medical expenses, legal defence and potential compensation quickly escalate, impacting cash flow and disrupting ongoing gigs.
Total costs can reach tens of thousands
“Not all risks come from the work itself. A simple accident can turn into a legal and financial burden.”

Protected with Sami Insurance

ACTION: CLAIM HANDLED PROFESSIONALLY
You report the incident to Sami. The claim is assessed, and legal defence is coordinated for you.
Claim process managed with expert support
VALUE: MINIMAL DISRUPTION
While the claim is handled, you focus on your design work without being pulled into legal back-and-forth.
No time lost managing legal complexities
OUTCOME: COSTS COVERED
Legal defence costs and compensation are covered within your policy limits.
Protection against unexpected liability costs
Total Protection Starting from
$5*/week
Get a quick quote

Broad Studio Protection

Protect your business from multiple risk factors. Combine Public and Product Liability with other key covers for broader protection.

Professional Indemnity Insurance

Covers claims for financial loss arising from your design work or professional services.

Accident and Sickness (Coming Soon)

Income protection if illness or injury prevents you from working

Cyber Insurance (Coming Soon)

Helps protect your business from losses and costs associated with cyber incidents or data breaches.

Why Choose Sami Insurance for Your Design Business

Because managing liability risks should be simpler. We offer business-specific Public and Product Liability cover through a fast, fully online process, so you can get covered without a hassle.

Feature Sami Insurance Traditional Brokers Direct Insurers
Quote Process Instant online quick quote Requires calls, emails and follow-ups Online quote through a standard process
Average Quote Time Quick quote in 30 seconds, tailored quote in 3 – 5 minutes 2 – 3 days 10 – 15 minutes
Graphic Design Coverage Aligned to studios, co-working spaces, client visits and events Broad business categories Generalised cover options
Policy Customisation Flexible cover based on your work setup Limited flexibility Limited flexibility
Pricing Approach Based on your activities and risk exposure May include brokerage fees Standardised pricing
Cover Limits Flexible limits, up to $20M Varies by insurer Preset options

Did you know? Third-party injury claims can reach six or even seven figures in Australia.

Even a minor incident can lead to high legal and compensation costs. Protect your business today before an unexpected claim impacts your finances.

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It only takes 30 seconds

Frequently Asked Questions

Clear answers to your questions about cover, risks and how Public Liability applies to designers working in physical spaces.

As a graphic designer, do I need Professional Indemnity or Public Liability insurance?

Is Public Liability insurance tax-deductible for sole traders?

Do I need Public Liability Insurance if I work entirely online as a graphic designer?

What level of cover do I need as a freelance graphic designer?

Do graphic designers need insurance before getting clients?

Is Public and Product Liability insurance a legal requirement for graphic designers?

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