Creative Services

Based on Hiscox claim data from 1/1/2016-1/30/2019 

• Graphic design
• Interior design
• Photo booths
• Photography; Client videography
• Professional organizer
• Visual effect designer for films/videos

• Bodily injury
• Copyright infringement
• Defamation, libel, slander
• Dissatisfied client
• Loss of client revenue
• Lost or damaged equipment
• Negligence
• Third-party equipment damage
• And much more

PROFESSIONAL LIABILITY (PL)

Also known as errors and omissions, or E&O, coverage, this protects you from claims of negligence during the course of conducting business. You’re protected even if you haven’t made a mistake.

GENERAL LIABILITY (GL) 

Protects your business from a third party’s claims of bodily injury, property damage, and personal injury like slander and libel. 

PL CLAIM EXAMPLE 

Faulty memory card: 

You have been contracted to photograph an event, and your memory card fails causing you to lose all your photographs. You are devastated, and your client makes a claim against you for failure to deliver the photographs, as promised. Professional liability insurance could protect you and your business against claims of negligence even if the loss was caused by an unavoidable technical glitch. 

GL CLAIM EXAMPLE 

Bodily injury: 

As a graphic designer, you may sometimes attend trade shows. If you bring a large graphic to display and a visitor to the booth trips over it, injuring herself and files suit, you could be protected. General liability insurance protects against third-party claims of bodily injury, associated medical costs, and property damage.