Working as a graphic design there are plenty of things you need to plan and have in place to keep your business running. With things like copyright laws, the risk of things going wrong with a client’s project, protecting your graphic design business for the long haul is probably up there as one of your priorities.

Designing and working online go hand in hand, whether it’s drawing up a fancy new logo, sketching up plans for a fancy piece of furniture or managing your client requests through online systems. There’s no doubt that you rely on online programs and systems to assist you with getting through the day.

A designer without their tools of trade is just a recipe for disaster, right? Whether you’re a graphic designer, an interior designer or costume extraordinaire designer, you rely on things like your tablet, phone and design specific tools to construct your grand designs.

Public Liability insurance covers legal fees and compensation costs if a customer, member of the public, or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity. Having Public Liability insurance gives you peace of mind against potentially stressful, time-consuming and costly legal claims.

It’s important to understand the difference between Professional Indemnity and Public Liability insurance as the two types of cover can often cause confusion. Whilst both covers protect your business against legal action they offer different forms of protection.

There’s a great deal of responsibility that goes into being an accountant, getting the numbers right and helping your client’s balance their books. Not only do you have the responsibility to deliver the goods, but you also have a professional responsibility when it comes to ensuring you have the appropriate types of insurances in place, like Public Liability insurance*.

If you’re a sole trader or small business owner, protecting your business and your customers with Public Liability insurance is one of the most important aspects. It offers protection should a customer, supplier, or even member of the public, sue your business for damage to their property. And whilst you probably take every care not to damage their property, it doesn’t mean you won’t be found negligent should an unwanted accident occur, or someone attempts to make a claim against you. As cliché as it sounds, accidents happen. If you don’t have Public Liability insurance you face the risk of being out of pocket for hefty legal and compensation costs that can potentially cripple your business.

Chances are you’ve probably heard of both Public Liability insurance* and Professional Indemnity insurance*, and while both provide a form of cover for your business, they are very different in what they protect your businesses from.

No matter how big or small your business is, accidents can and do happen. Public Liability insurance* provides peace of mind for claims for third party property damage or personal injury. If you deal with people in any capacity from clients to suppliers and members of the public, then Public Liability insurance is an important form of protection worth considering.

There are lots of things that go into making your business a success. Through solid planning having an idea about some of the risks your business may be exposed to, can help your business stay strong for the long haul.