Читать книгу Start & Run a Graphic Design Business - Michael Huggins - Страница 61

Another kind of insurance you need is errors and omissions insurance. This insurance covers you in the event you are ever sued by a client for the work you have done for him or her. In the design business, because you are dealing with many different types of communications media, various content, and revisions, there is a high probability that from time to time you will have errors in your work. In some extreme cases these errors can seriously damage your client’s reputation or affect his or her business, and the client may seek compensation from your company. Because the potential costs could run into the thousands (even millions) of dollars, depending on the size and reach of the project you create, you could be in a very tough position if you are not insured.

To protect yourself against this, talk to your insurance broker. The cost of this insurance is based on the type of work you do and the impact it could have on your client. Your insurance broker will want to know some details about the type of work you do and why exactly you want this type of insurance, so be prepared to answer a few questions. They may even want to know who will be working on the projects in your place of business, the scope of the work you do, and maybe even some insight into your proofing and quality control processes.