Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Aug 27, 2026.
GENERAL LIABILITY
Graphic Design Services $20/month for general liability
WHY IT MATTERS
Why Graphic Design Services need business insurance
Graphic design work can involve client meetings, valuable equipment and employees using computers for long periods. Business insurance can address different risks through separate coverage lines, subject to each policy's terms.
SCENARIO 1
A client is injured during a meeting
A client trips over a power cord while visiting your studio. General liability insurance may help pay eligible medical expenses and legal costs if the client makes a covered claim.
SCENARIO 2
A leak damages design equipment
A pipe leak damages an insured computer and printer in your workspace. A business owners policy that includes commercial property coverage may help pay for covered repairs or replacement.
SCENARIO 3
An employee is hurt at work
An employee develops a covered work-related injury while performing design duties. Workers' compensation insurance may help with eligible medical care and wage replacement, subject to policy terms.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Client and public interaction
More in-person meetings or public access to your workspace can increase the liability exposure considered in a general liability insurance quote.
Business revenue and workload
Higher revenue or a larger volume of projects can increase the level of business activity reviewed during underwriting.
Employees and payroll
Adding employees or increasing payroll can raise workers' compensation exposure and affect the quote for that coverage.
Workspace and equipment
A leased studio or more insured computers, printers and other equipment can increase the property exposure considered for a business owners policy.
Claims history
Prior claims can lead to closer underwriting review and may contribute to a higher rate.
Coverage choices
Broader coverage, higher limits or a lower deductible can increase the rate, while narrower coverage or a higher deductible may reduce it.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
Rates and requirements vary by state and by carrier, even when two graphic design businesses perform similar work.
State requirements
Workers' compensation requirements vary by state, so the locations of your business and employees can affect which coverage must be considered.
Where the work happens
A home office, leased studio and regular client-site work present different exposures for underwriting review.
Carrier underwriting
Each carrier may evaluate your operations, coverage selections and business profile differently, which can change the offered rate.
189
Quotes analyzed
38
States represented
3
Coverage lines
BEST RATE
How to get the best rate
Describe your work accurately
List your design services, client interaction and work locations clearly so the quote reflects your actual operations.
Update employee information
Confirm your employee count, payroll and job duties before requesting workers' compensation coverage.
Inventory business property
Record the equipment you want insured and remove items your business no longer owns or uses.
Review contracts and limits
Check current client and lease agreements so you can request the coverage types and limits they call for without treating them as universal requirements.
FAQ
Common questions
What business insurance should a graphic design business consider?
Coverage depends on how the business operates. General liability insurance can address covered third-party injury or property damage claims, workers' compensation can address covered employee injuries, and a business owners policy can combine eligible liability and property coverage.
Is general liability insurance enough for a graphic design business?
Not always. General liability insurance focuses on covered third-party injury and property damage claims, while employee injuries and damage to insured business property may require separate coverage or a business owners policy.
Does a graphic design business need workers' compensation insurance?
It may if the business has employees. Requirements vary by state and by carrier, so employee locations, payroll and job duties should be reviewed when seeking coverage.
What does a business owners policy cover for a graphic design business?
A business owners policy can combine eligible general liability and commercial property coverage in one policy. Covered property, events, exclusions, deductibles and limits depend on the specific policy.
What information is needed to request a business insurance quote?
Be ready to describe your services, revenue, employees, payroll, work locations, client interaction, business property, prior claims and requested coverage. Accurate information helps the carrier evaluate the business as it operates today.