- The Sami Compliance Team
How does insurance work?
The key role of insurance is to help people financially protect themselves against life's uncertainties, such as natural disasters, a car accident or an illness while on holidays.
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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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.”
Accidents in studios, events or shared workspaces can lead to injury claims against your business.
Working at client sites or meetings may result in accidental damage to valuable equipment or assets.
Loose cables, equipment or temporary setups, creating trip risks in shared working environments.
Receive a quick quote, get covered and make a claim – all through our online platform.
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.
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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.
Injury to a client, visitor or member of the public caused by your business activities.
Accidental damage to client or third-party property during meetings, site visits or work.
Legal defence costs incurred in responding to, defending or settling a covered claim.
Damages payable for injury or property damage where you are found liable.
Cover for injury or damage caused by printed materials or merchandise you supply, if applicable.
Expenses such as investigation or first aid costs related to an incident.
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
Compare handling a liability claim on your own versus having Public Liability cover behind you.
Protect your business from multiple risk factors. Combine Public and Product Liability with other key covers for broader protection.
Covers claims for financial loss arising from your design work or professional services.
Income protection if illness or injury prevents you from working
Helps protect your business from losses and costs associated with cyber incidents or data breaches.
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.
Even a minor incident can lead to high legal and compensation costs. Protect your business today before an unexpected claim impacts your finances.
Clear answers to your questions about cover, risks and how Public Liability applies to designers working in physical spaces.
Practical guides to help designers understand liability risks, when claims can arise and how PL Insurance responds in different situations.
The key role of insurance is to help people financially protect themselves against life's uncertainties, such as natural disasters, a car accident or an illness while on holidays.