What insurance for a graphic designer?
You are a freelance graphic designer and you are wondering about the insurance essential to your activity. Is insurance compulsory? What are your specific needs related to your graphic design activity? What are the main risks in your business? When do you become responsible? We tell you everything you need to know about designer insurance and our tips on the best coverage.
Summary
What is the price of the RC Pro graphic designer?
How does professional graphic designer civil liability insurance work?
What are the guarantees for professional freelance graphic designer insurance?
Graphic designer, what are the other compulsory insurances?
What is the price of the RC Pro graphic designer?
Many insurers offer professional liability insurance for graphic designers. Here we present the four main ones.
AIG
Guarantees
RC Pro
RC Operation
Defense and appeals
Opinion
Monthly payment without additional premium.
Ceiling of 50,000 euros
Rate
€ 199 / year with the broker Coover
AXA
Guarantees
RC Operation
RC Pro
Defense and appeals
Opinion
Free monthly payment and electronic signature.
Ceiling of 100,000 euros
Rate
270 € / year with the broker Coover
(180 € / year for self-employed people)
Hiscox
Guarantees
RC Pro
Optional legal protection
RC Optional operation
Cyber warranty optional
Opinion
The cheapest contract on the market.
It is recommended to add the operating liability guarantee.
No deductible.
Rate
360.50 € / year with the broker Coover
RC Pro Graphic Designer Award
The prices presented correspond to the basic professional civil insurance contracts for the graphic designer activity.
The insurance premium may be higher depending on the options taken out and the legal form of your business.
How does professional graphic designer civil liability insurance work?
The profession of graphic designer is not a regulated activity, therefore professional civil insurance is not compulsory although it is strongly recommended.
The graphic designer RCP protects you in the event of material, immaterial and bodily damage caused to a third party during your professional activity.
Being a freelance graphic designer exposes you to significant risks. Many situations can result from a questioning of the Civil Liability of a graphic designer:
contractual breach in the event of delay in a service;
infringement of intellectual property;
accidental disclosure of confidential information etc.
Graphic designer insurance protects you wherever the loss occurs: at home, at your client's or in a public place. This contract covers you for all graphic design activities: computer graphics, graphic design, web design, UX, UI etc.
Thanks to this coverage, in the event of a claim, it is the insurer (and we you) who will compensate the victim of the claim.
What are the guarantees for professional freelance graphic designer insurance?
Graphic designer insurance contracts contain various guarantees that may or may not be included in the basic base:
Graphic designer professional civil liability
Main risks
Your client thinks the sessions didn't work out and is suing you.
Probability
High
Comments
Special offers exist for self-employed graphic designers
RC Exploitation for graphic designer
Main risks
You accidentally break expensive equipment at a customer's premises.
Probability
High
Comments
The operating liability is a more general guarantee that covers general damage related to the life of the company
Defense and appeals
Main risks
You are ordered to pay legal costs
Probability
Weak
Comments
Rarely used but very useful because of the amounts involved in the event of a procedure
Juridic protection
Main risks
Dispute with a client or with a service provider which requires you to hire a lawyer
Probability
Medium
Comments
Warranty often available as an option but rarely in the base base
Whatever your specialty in graphic design and your status (graphic designer self-employed or working in wage portage or in a company), these guarantees will be essential to carry out your activity serenely.
In fact, graphic designer RCP insurance may be required by your clients to respond to calls for tenders or for certain assignments.
Graphic designer, what are the other compulsory insurances?
Mutual health insurance for freelance graphic designer (independent)
Status
Optional
Remark
The mutual health insurance supplements the reimbursements of the Health Insurance. Contributions are deductible from your income.
Rate
from € 19 per month for a single person and from € 45 per month for a family mutual
Professional multi-risk
Status
Often exi
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