Читать книгу Start & Run a Graphic Design Business - Michael Huggins - Страница 57

Insurance is a must when you own your own business. Yes, it can be expensive, but you will adjust your design fees accordingly to cover the costs. Starting your own business carries with it a lot of risks, and unfortunately you’re the one taking them. Whenever possible reduce the risks in your business with sufficient insurance coverage.

If you will be working on your own, it’s important to remember that you are the business. You need to protect your business’s biggest asset — you. In the event you become sick or disabled, if you are not insured properly, your entire business could be wiped out. It only makes good sense to protect yourself from the great unknown of the future.

Another reason you need insurance is because you work in the communications industry. Your clients could be small businesses or multimillion-dollar corporations. Each one of these companies uses your design and communication material to get their message out to the world. As a result, your work could be visible in local, national, international, and maybe even in a global marketplace. If something you create causes financial damage to a client because of a mistake or oversight, your client could hold you responsible. To fully protect you and your business let’s look at some of the kinds of coverage you should consider.