Public Liability Insurance For Graphic Designer

Public Liability Insurance For Graphic Designer

& Designers

    • Comprehensive industry specific policy wording
    • Multiple levels of cover to select from
    • Instant paperwork online

Insurance for Architects & Designers

... designs! How much does architect's insurance cost? No two buildings are alike, and no two architects are ... Architects and designers may face many Public Liability claims in their day-to-day work. Public Liability insurance ...

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What does Public Liability Insurance Cover?

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How much does Public Liability Insurance cost?

... Liability, Public Liability insurance is an essential form of cover for almost every type of business, from trades and services industries to white collar professionals and office based occupations. It is designed ...

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What is Public Liability Insurance?

... insurers, then buy online in minutes. Do I need Public Liability Insurance Claim Example What is Public Liability Insurance? Public Liability insurance protects you and your business against the financial implications if ...

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What does Public Liability Insurance Cover?

... Public Liability (PL) insurance is designed to provide peace of mind when these unforeseen incidents occur. PL insurance ... I need Public Liability insurance? Public Liability insurance is designed to protect businesses ...

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Public Liability Insurance

... gardener's Public Liability cover.** Why choose BizCover for your Public Liability Insurance? At BizCover, our task is to make Public Liability insurance a stress-free experience. Our platform is designed to help ...

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Do I need Public Liability Insurance?

... do I need? How much does it cost? Is Public Liability insurance a legal requirement? Do I need Public Liability Insurance Insurance? Public Liability insurance* is an important type of cover, as it can provide protection ...

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Public Liability Insurance Explained

... available. Let's delve into our simple guide on Public Liability insurance explained. What is Public Liability Insurance*? Public Liability insurance protects you and your business against the financial implications if ...

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Tradie Guide to Public Liability Insurance

... employees or operate as a sole trader , Public Liability insurance can be a critical strategy for reducing the ... However, if you have reduced your risk with Public Liability insurance, you can be in a position to recover ...

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Managing your Public Liability risks as a tradie

... Is the potential cost of claim higher because of the size of the jobs you are now working on? If Public Liability insurance has been on your mind, whether you are a seasoned Jack (or Jill) of all trades, or brand new to ...

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7 Money Saving tips for Small Business in NZ

... an array of skills. Whether it's finding a graphic designer, content marketer or an IT guru, there is ... best of us. Taking the time to get your business insurance * sorted is something that should be part of your business ...

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Tips for How to Start a Carpentry Business

... carpenter insurance policies available that cover different business risks, such as: Public Liability* ... or updating social media profiles. Graphic designer - This pro can help you design a memorable logo and choose brand ...

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How To Market Your Accounting Business Online

... graphic designer, and digital marketer to build your new company website, you may also use template designs ... insurance , including Public Liability insurance , Professional Indemnity insurance and small business insurance ...

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How To Get More Accounting Clients

... web developer, a digital graphic designer, and a digital marketing ... insurance , including Professional Indemnity, Public Liability insurance , and small business insurance. Visit bizcover.co.nz and get business insurance ...

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It's Time for an Insurance Health Check!

... is growing and your level of exposure increases you may need to consider increasing the level of public liability insurance that you hold. Are there statutory requirements you need to meet (certain contracts may have ...

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Customer Spotlight: Scotchbox

... motivated McBride to ensure that he has insurances in place to protect his Scotchbox stock. “I chose to insure my business because I want to be protected from public liability, selling food and drink to consumers and ...

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How To Stay Motivated As A Small Business Owner

... Insurance products purchased through BizCover span from the basics like Public Liability and Professional Indemnity to Business Insurance ... or messy forms to fill out. Experience insurance made easy today and see how we can ...

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A Tradies Guide To Protecting Tools

... * sorted. While you may be familiar with policies like Public Liability, did you know there is insurance available specifically for your tools? Portable Equipment cover, also known as tool cover, covers you for loss ...

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Complete Guide to Business Insurance

... of business insurance coverages available include: Building/ property (Public Liability) Property ( ... event (such as property damage or fire). It is also designed to assist your business to recover from an insured event ...

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A Calmer Therapy Wins BizGiver Grant

... the latest recipient of the BizGiver NZ grant. She has been insured for Professional Indemnity and Public Liability through BizCover since 2018. We are proud to support her small business journey! We interviewed Eileen ...

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How To Start Your Own Trade Business in NZ

... register for GST and only takes a few minutes. Consider insurance If you've put the work into building and registering a ... Different policies, such as Public Liability and Business Insurance, cover tradespeople against a ...

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Anything Aluminium Wins BizGiver Grant

... . Congratulations to Lewis Trickett for being the latest recipient of the BizGiver grant. He currently has Public Liability with BizCover since he started his small business. We are proud to support Lewis and Anything ...

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4 Tips For Starting An Online Business

... from. Think about each platform’s ease of use, design flexibility, and tools and features when making your decision. ... insurance in place can help protect your online business from a number of risks. A Public Liability ...

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Digital Marketing Tips For Tradies

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How To Start Your Own Accounting Business

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How Tradies can use LinkedIn

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How to Increase Leads on Tradie Websites

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How to Optimise a Tradie Website

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Why a Personalised Website for Tradies is Important

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How to set up Google Ads for Tradies

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How Trust Can Boost Sales For Tradie Businesses

... , your clients risk not being properly compensated for a claim. This is why disclosing your Public Liability insurance, which protects your business from such claims, builds trust and could be the difference between ...

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How Tradies Can Use Social Media To Get Quotes

... action button Different platforms offer unique profile features designed to prompt potential customers to proceed with ... most important types of insurance for tradies is Public Liability insurance. It provides compensation ...

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Tips For Following Up On Trade Quotes

... get on top of your quoting process early. This blog is designed to give you ten tips to help you follow up on ... their property. Disclosing that you have Public Liability insurance, which can provide protection in both ...

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A Sole Trader's Guide to Building a Website

... arranged for your sole trader business*. BizCover offers business insurance solutions to help all kinds of sole trader businesses from Public Liability* to Tool Cover and protecting your bricks and mortar with Building ...

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A Sole Traders Guide to Understanding SEO

... arranged for your sole trader business*. BizCover offers business insurance solutions to help all kinds of sole trader businesses from Public Liability* to Tool Cover and protecting your bricks and mortar with Building ...

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How to Grow Your Mechanic Business

... ensure you have the appropriate levels of mechanic business insurance in place to protect your business*. From Public Liability insurance* to getting your tools covers, insurance for mechanics is there for when you need ...

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A Contractors Guide to Saving Money at EOFY

... insurance options, save time and swing by BizCover. From Public Liability insurance* to Tool Cover* and Business Insurance ... business. Visit bizcover.co.nz and get insurance for contractor business without drama so you can ...

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Top Digital Marketing Tips For Contractors

... Whether it's Public Liability insurance* or protection for words of advice with Professional Indemnity insurance*, BizCover is here ... be relied upon as advice. As with any insurance, cover will be subject to the terms, ...

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How To Start An Engineering Firm

... your clients. Here are two examples: Public Liability insurance* may be required before you can ... , with no-dramas! Visit bizcover.co.nz and get insurance for your engineering business without the stress so you can get ...

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Managing Your Business Insurance During Inflation

... behind changes like the increased costs of living. Business insurance isn't exempt when it comes to the impact of ... policies like your Professional Indemnity insurance* and Public Liability insurance*. Review the terms and ...

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Saving Hacks- Business Insurance For Tradies

... spend some time when it comes to renewal time and check your policy. Many forms of business insurance, including Public Liability* may have pricing that is partly affected by a business' size. This is measured by factors ...

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Scholarships

... With the option to include Professional Indemnity, Public Liability, and Business Insurance, we will ensure you get the best ... Bachelor of Advanced Computing Bachelor of Design Computing Value and Duration The Scholarship ...

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Insurance Options for Retailers

... by your products Some Public Liability insurance policies include cover for Product Liability cover. Money and Theft ... tasks of running your business. Cyber Liability insurance is designed to help protect your retail store ...

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Preparing your store for the holiday season ahead

... payment for compensation and legal expenses. Ensure your Public Liability insurance policy has adequate cover to protect you and your business against a public liability claim. Reduce shoplifting The busier your store is ...

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Insurance for Shop Owners

... leases often require tenants to maintain Public Liability insurance and Glass insurance. There may also be a ... specialist services or professional advice.  It is designed to respond to claims against your business for ...

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Insurance For Cafes and Restaurants

... the tenant to have both Public Liability insurance and Glass insurance before signing a lease. Insurance for Cafes and Restaurants Public Liability* Public Liability insurance  is  designed to provide protection for you ...

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What is Business Insurance

... Insurance offers are designed to protect things like your business assets. Where Public Liability insurance is designed ... to get in touch with one of our business insurance professionals. You can also access quick links to ...

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Do I need Business Insurance

... to occur and you didn't have the right businesses insurances in place, your reputation could be destroyed in the ... required that you have a certain level of Public Liability insurance* in place well before you even start on ...

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Employers Liability Insurance

... s where Public Liability insurance comes into play. Public Liability insurance is designed to provide ... won't bore you with jargon We're not fans of complicated insurance speak, so we talk to you in plain English. If you ...

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Statutory Liability Insurance

... Statutory Liability insurance and Public Liability insurance? Public Liability insurance is intended to protect against different risks than what Statutory Liability insurance is designed for. Public Liability insurance ...

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Reviews related to Public Liability Insurance For Graphic Designer

  • Good service - a little pushy with the reminders

    Michael Alan Baylis
    Architecture & Surveying

  • Very easy process, prompt and competitive quote, would recommend to associates

    Wayne Smith
    Architecture & Surveying

  • Fast and reliable! Good customer service!

    Joem Baldesco
    Architecture & Surveying

  • It was so easy and great time saver, prompt delivery to obtain the Public Liability and Professional Indemnity I require as an Occupational Health and Safety Consultant and Practitioner. Other quotes took well over a week to come back to me. Definitely r

    Patricia Copp
    Consultancy Occupations

  • You made the purchasing of public liability cover simply easy and straight forward

    Peter McLaughlin
    Trades & Services

How much does architect’s insurance cost?

No two buildings are alike, and no two architects are alike either. Insurers use a range of different factors to determine how much you will pay for your insurance policies as an architect, meaning pricing varies based on the specific blueprint of your small business.

Some of the factors used to calculate premiums for Professional Indemnity and other forms of insurance for architects that you may consider include (but are not limited to):

  • The size of contracts your business takes on
  • Your risk management procedures
  • Your history of previous insurance claims
  • The amount of cover you want or need

Comparing quotes from multiple insurers can help you understand the Architect Insurance policies available to you and how much you can expect to pay for cover.

Did you Know?

That registered architects need to comply with strict criteria covering areas like insurance, health and safety and quality management systems.

Architects and Designers are also the first professions in New Zealand to require professional indemnity insurance to cover themselves in person for errors and negligence.

Insurance for Architects and Designers

Professional Indemnity

Professional Indemnity (PI) insurance provides essential financial protection for Architects and Designers to safeguard their businesses for claims made against them in carrying out their professional services or advice.  It provides cover for damages and claimant costs awarded against you, costs incurred such as legal and defence costs, claims investigation costs, inquiry attendance costs as well as public relations costs.

Professional Indemnity insurance may not be mandatory for Architects and Designers. However it may be a requirement to meet the conditions of many clients as well as tender processes.

BizCover’s professional indemnity insurance offer covers occupations such as:

  • Architect
  • Interior designer 

What is typically covered?

A small mistake in an architect’s work can have huge and expensive consequences. Professional Indemnity insurance helps shield architects and designers against a wide range of potential risks that could cripple your small business. These include:

  • Errors, mistakes and omissions in your work or professional advice
  • Missed deadlines and undelivered services
  • Professional negligence
  • Breaches of contract

What is not covered?

While Professional Indemnity insurance can help shield you against many claims resulting from your work, it does not provide protection for:

  • Intentional damage
  • Any circumstances or claims that are known before your insurance period begins
  • Acts of dishonesty and fraud
  • Accidental injury and property damage

Public Liability

Do you need it? If you have regular contact with clients, contractors and the general public, then the short answer is yes. Public Liability insurance is an important form of cover to protect you from financial losses arising from a claim of 3rd party property damage  or accidental injury (not covered by the ACC) as a result of you going about your business, even if you rent your premise.

What is typically covered?

Architects and designers may face many Public Liability claims in their day-to-day work. Public Liability insurance commonly covers:

  • Damage to a third-party’s property
  • Financial loss resulting from damage to a third-party’s property
  • Injury, illness or death (that is not covered by the ACC) that is caused by your negligence

What is not covered?

While Public Liability insurance can protect you against many common claims, it does not provide cover for:

  • Employee injuries
  • Damage to your own property
  • Compensation when a personal injury is covered by the ACC

Protect your business today.

Business Insurance

Your clients are your bricks and mortar, but where would your business be without the assets needed to help make their plans a reality? Not having the right cover in place could cost your company more than a pretty penny, creating a whole host of unwanted challenges.

Having some form of cover in place to protect your contents (including IT equipment), and premises from the risk of damage caused by fire, storms, theft, vandalism or even earthquakes, gives you peace of mind so you can sleep at night.

You can even add Business Interruption insurance which is designed to help your business get back into the game by covering the increased costs of running your business and lost revenue whilst it is out of action due to an insurable event.

Cyber Liability

As an architect or designer, your plans, designs are prized intellectual property it is what makes you stand out from the crowd. Unpleasant as it may be, but what would you do if a competitor found a way to steal your original designs?

Storing personal information and client information online means you are instantly at risk of potential cyber attacks and data breaches.

Reinforce your cybersphere with Cyber Liability insurance., providing protection covering extortion costs, fines and penalties, investigation and data recovery costs, business interruption costs and PR/crisis management costs.

What is typically covered?

Cyber Liability can help your small business bounce back after a cyberattack, hack, or data breach. Policies typically cover:

  • Costs associated with investigating an attack and data recovery
  • Business interruptions costs
  • Fines and penalties
  • Extortion costs
  • Costs associated with PR and crisis management

Could this happen to your business?

An architect designed a house for an elderly couple and miscalculated the size of a cavity for a hidden sliding door. The builder of the house raised the issue early on but to no avail. The architect initially blamed it on poor print quality of the site plans and told the builder to carry on.

Near completion, it was clear that the particular doorway in the house that required access by a mobility scooter was not wide enough whilst the sliding door was “hidden”. The owners asked the architect to pay for all remedial costs that included moving walls and re-modelling an adjacent room. Fortunately, the cost of the professional error was paid for by insurers without having to appoint a legal defence counsel.

FAQ

Why do architects and designers need insurance?

Insurance can help shield architects and designers against a variety of risks, from claims of negligence or damaging a client’s property to equipment breakdowns and cyber-attacks.

Architects and designers face many unique risks that insurance can help protect them against. They regularly give clients advice based on their expert knowledge and training, and often visit clients in their business premises or homes. They may also have their own offices to consider, including any equipment, tools, and client information that may be stored there. There are different insurances to protect against each of these risks. It may be wise as an Architect to explore insurances such as Professional Indemnity, Public Liability and Cyber Liability insurance.

In the event of a claim, without insurance, you could be left holding the bill for costly claims or lawsuits. The out-of-pocket expenses associated with legal action could be financially devastating for small business owners. Insurance could help architects and designers stay in business even if the unexpected comes their way.

How do I buy Insurance for my Architectural business?

Architects and designers are busy people with a lot on their schedule each day. That’s why BizCover has made it quick and simple for them to find, compare, and buy insurance to protect their small businesses.

In just minutes, you can compare multiple quotes from selected leading NZ insurers. There is no complex paperwork to fill in, and you can buy a policy whenever it fits your schedule, day or night. You’ll even receive your policy documents instantly, so you can get right back to work!

* * As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

Need Help?

Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals. 

You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents. 

 

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