Professional liability is the key policy
Professional liability, also called errors and omissions insurance, is usually the most relevant coverage for graphic designers. It can respond when a client alleges your work, advice, file delivery, or professional service caused financial harm.
Examples may include a missed print deadline, incorrect production files, branding work that must be redone, or a dispute over whether deliverables matched the contract. Policies vary, so designers should read exclusions carefully.
General liability still has a role
General liability covers third-party bodily injury and property damage, not design mistakes. It can matter if clients visit your studio, you work on-site, or a venue requires a certificate before an installation, event, or photo shoot.
Some designers buy a Business Owner's Policy if they have computers, office equipment, rented space, or a studio. Home-based freelancers may need less property coverage but still may need E&O.
Cyber coverage can matter for client files
Designers often store client logos, unreleased campaign assets, customer lists, login credentials, payment information, or website access. Cyber liability can help with breach response, notification costs, and some cyber-related claims depending on the policy.
If you build landing pages, manage web assets, or collaborate through shared drives, ask whether cyber coverage fits your workflow. Professional liability and cyber can overlap, but they are not the same policy.
What affects cost
Premiums depend on annual revenue, client types, services offered, contract size, claims history, limits, deductible, and whether you add general liability, cyber, or property. Designers serving regulated industries or large corporate clients may face stricter requirements.
Before buying, compare whether the policy covers your exact services, including branding, UX/UI, packaging, print production, web design, social graphics, or advertising creative.