Media and Creative Insurance

Insurance that works for you, so you can focus on making those bold creative decisions.

Insurance for media and creative freelancers

Qdos provide a range of policies for web designers, photographer insurance, and other freelancers in the media and creative sector, from photographers to graphic designers. Whether you are operating as a limited company contractor or sole trader providing services on a freelance basis, we can provide you with the insurance you need to run your business safely.

Freelancer

Insuring your business, piece of cake

All of our policies can be purchased online or over the phone on 0116 269 0999 within a couple of minutes.

Your documentation is emailed to you instantly, so you can forward it on to your agency or client straight away.

 

For a fast and easy quotation, simply select your trade on the quote engine. Please note that some trades may have a higher premium than initially shown on the quote engine.

As a media or creative freelancer, which insurances should I consider?

In the creative and media sector, there is great diversity in terms of the insurance policies that may suit you. From insurance for web designers and developers, to photographer public liability insurance, we have a range of products designed to help you carry out amazing work without worrying about the unexpected.

  • Professional Indemnity Insurance will be the go-to for a lot of trades in the creative and media sector. If you are offering professional services to other businesses or giving professional advice we provide cover for the event of financial loss to a client. Creative industries are often about bold decisions and innovative ideas, which all come with an element of risk. Maybe you freelance in brand management, web design, or social media; professions like these are at risk of causing financial loss for clients which could result in an allegation against your business. Qdos PI insurance for media professionals also includes cover for the cost of a PR or crisis management consultant to protect your reputation in the event of a negligence claim being made against you.

  • Public Liability Insurance may be more relevant to businesses operating with the risk of injuring someone or their property, particularly if you tend to provide your services on site, such as photographers. Whether accidental or not, some cases can be extremely expensive which is why we offer photographer insurance and other media and creative insurance coverage ranging from £1million, £2million, £5million and £10million to protect your business should a mistake like this happen.

Examples of trades we cover

We can cover a wide range of trades in the media and creative sectors, for example:

 

Marketing Creatives  Media 
Brand design consultants  Artists  Corporate video producers 
Brand consultants and brand managers Artworkers  Film editors 
Communications consultants Bloggers  Image consultants 
Content managers and strategists Calligraphers  Music composers 
Digital communications professional Cartoonists  Photographers 
Digital content managers Copywriters Picture editors
Digital media managers and supervisors Creative writing Post production support engineers
E-commerce stylists Editors and sub-editors Production managers and assistants
Market research consultants Ghostwriters Sound engineers
PR consultants Illustrators Sound mixers
Public affairs consultants Journalists Digital media producers
Public relations consultants Proof-readers Music mastering
Publicists Scriptwriters Media and creative consultants
Sales promotion Speech writers Media/creative project managers
Web marketing consultants Stylists Media consultants
Promotional literature Fashion consultants Multimedia consultants
Telemarketers Digital animators Multi media communications specialists
Program controllers Graphic designers Music consultants
Social media consultants, designers, and analysts Creative consultants Music supervisors
  Desktop publishers  

Frequently Asked Questions

Yes. When you are working as a freelancer, sole trader or contractor, you are not afforded the same protection as employees of a larger organisation. You will be responsible for the financial obligations of your business and therefore insurance is a must-have for any business seeking to protect the risks of being self-employed.

The right policies for you will depend on the risks or losses you are exposed to or concerned about. There are a range of insurance policies available covering a variety of risks, from income protection and travel insurance to policies designed to cover your legal liability to third parties. Two popular examples of the latter include the Professional Indemnity and Public Liability Insurance provided by Qdos.

The circumstances in which the policies react differ depending on the policy taken out, however the cover provided broadly falls into two main areas:

  • Representation/Defence costs
  • Legal liability

The Professional Indemnity Insurance policy from Qdos will cover any legal representation and defence costs, as well as the liability found to be owing following a professional negligence dispute. Such a dispute would occur if a client felt as though there were errors or omissions in the services provided which have caused them a financial loss.

In addition, the policy would also react in the following disputes:

  • Libel, slander or defamation
  • Unintentional breach of confidentiality or privacy
  • Unintentional infringement of intellectual property rights

Qdos offer Professional Indemnity Insurance with limits of indemnity of £1m, £2m or £5m.

Qdos’ Public Liability insurance covers the policyholder where a third party alleges that the policyholder has, in the provision of their services, caused third party bodily injury or property damage. As with Professional Indemnity insurance, the policy will cover any legal representation and defence costs, as well as the liability found to be owing following the conclusion of the legal proceedings.

Qdos offer Public Liability Insurance with limits of indemnity of £1m, £2m, £5m or £10m. 

The time the policy should be kept in place will vary between Professional Indemnity and Public Liability Insurance due to the way they react to claims.

In order to make a claim on Professional Indemnity Insurance, a policy needs to be in place at the time a claim is made, in essence at the time the client raises the dispute against you. This means that once the policy has lapsed you cannot make a claim, even if your policy was active when the activity which has resulted in a claim was issued. Therefore, we would recommend that you continue to invest in your PI cover until you are no longer subject to any risk that the policy covers.

Public Liability insurance however operates differently. This policy will react to incidents that occur during the period of insurance irrespective of when the claim is made. This means that a claim can be made following the policies expiry and will be accepted provided cover was in place when the injury or damage is alleged to have happened. Therefore, the requirement for this policy would cease at the point the policyholder is no longer providing services.

The Qdos Professional Indemnity policy starts from just £13.50 per month, and Public Liability starts from less than £5 per month. When compared with the losses that the insurance protect against, which can easily run into thousands of pounds, the premiums are a small investment for the peace of mind. 

Professional Indemnity insurance should be considered for those providing a professional service to their clients. This means Professional Indemnity Insurance is needed for a wide range of services from web design to wedding photography. Whilst most professionals, especially freelancers, sole traders or contractors who are in business in their own right, are confident in their abilities and do not foresee any mistakes, PI provide you with peace of mind that should any unexpected issues arise you will be protected.

For the vast majority of professionals there will not be a legal requirement to hold Professional Indemnity Insurance. However, Professional Indemnity Insurance is sometimes required by industries, professional bodies, or clients. This may prohibit your ability to win a contract or gain professional accreditation.

Whilst Professional Indemnity Insurance may not be legally required, this should not be taken as evidence that you may not face the risks insured by the policy. It is therefore advised that you consider the exposure to causing your client a loss should you be negligent or make a mistake. 
Why Qdos?
Self-employment is our everything. In fact, we’ve been specialists in the industry since 1988.

We’re business insurance and employment status enthusiasts. We get a kick out of simplifying the complex world of compliance so you don’t have to.
All of our policies include the following as standard:
A dedicated Account Manager
We'll never pass you around a call centre
 
Online account for 24/7 access
Manage your policies at a time that suits you
Free IR35 Contract Assessment
Because IR35 compliance starts with the written contract

Have a question?

Ask away! One of our team will get back to you

Prefer to talk to us in person?

Call our team on 0116 269 0999 or we can call you back at a time that suits you!