{"id":21181,"date":"2025-08-10T13:19:43","date_gmt":"2025-08-10T17:19:43","guid":{"rendered":"https:\/\/www.assur360.ca\/?page_id=21181"},"modified":"2026-09-02T12:30:03","modified_gmt":"2026-09-02T16:30:03","slug":"graphic-design-agency-business-insurance-compare","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/graphic-design-agency-business-insurance-compare\/","title":{"rendered":"Graphic Design Agency Insurance Quebec 2026"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Your graphic design agency or creative studio handles sensitive files on a daily basis, delivers visual concepts, manages brand identities and sometimes advertising content that is distributed on a large scale. A copyright error, malpractice, critical delay, or cyberattack on your client&#8217;s data can cost tens of thousands of dollars. At <strong>Assur360<\/strong>, our <strong>AMF-certified brokers<\/strong> offer graphic designers, studios and agencies in <strong>Quebec<\/strong> complete <strong>graphic design agency insurance<\/strong> \u2014 errors and omissions, professional liability, cyber, business property.  <\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-agence-design-graphique.jpg\" alt=\"Graphic Design Agency \u2014 Assur360 Insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Graphic-Design-Agency-Insurance\"><\/span>Graphic Design Agency Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Design agencies (logos, branding, print and digital media) are exposed to <strong>claims for copyright infringement, plagiarism, late delivery<\/strong>.<\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Key coverage:<\/strong> <em>media liability<\/em> for content created, plus E&#038;O for strategic advice. Indicative cost: <strong>$500 to $1,800\/year<\/strong> for an agency of 1-5 designers. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">CREATIVES &#038; STUDIOS 2026<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Graphic-Design-Agency-Insurance-in-Quebec\"><\/span>Graphic Design Agency Insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Errors and omissions, professional liability, cyber, copyright. Submission 3 minutes. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Get My Quote<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">$1-2M<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">E&#038;O standard design<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">9+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Insurers Compared<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Submission time<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">AMF Brokers<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-does-a-design-agency-need-insurance\"><\/span>Why does a design agency need insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Unlike retail, graphic design sells <strong>professional judgment<\/strong> : concepts, strategic recommendations, visual deliverables. A creative error that affects a customer&#8217;s sales, a visual containing a copyrighted element, or a logo that is too similar to a competitor can trigger lawsuits. Traditional commercial liability does NOT cover these risks \u2014 you need an <strong>E&amp;O (errors and omissions)<\/strong> specific to creative consulting services.  <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u00a9\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Copyright Infringement<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Unauthorized use of a photo, font, icon or illustration in a mock-up delivered to the customer. Prosecutions for Creative Commons infringement can exceed <strong>$25,000<\/strong>. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcc9<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Failed client campaign<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The client alleges that your design has resulted in lost sales, a loss of brand image or a product recall (incorrect packaging). E&#038;O covers legal defense and indemnification. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd12<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Customer file leak<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Hacking of a server containing logos, brand identities, pre-launch campaigns. Cyber insurance compensates the customer&#8217;s notice, legal fees, and losses. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-Covers-for-Your-Design-Studio\"><\/span>Essential Covers for Your Design Studio<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcdd<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Errors and Omissions (E&#038;O)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Protection against claims from clients alleging negligence, error or omission in your creative services. Standard limit <strong>of $1 to $2 million<\/strong> for an SME agency. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udee1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Commercial Liability $2M<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Civil liability for injuries to visitors to the office (falls, falling equipment), damage to rented premises. Basic coverage required by most commercial leases. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcbb<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Customer Cyber Risks<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Leak of confidential client files, ransomware on your servers, compromise of Google\/Adobe credentials. Notification Law 25, legal fees, catering. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udda5\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Equipment and goods<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">iMacs, MacBook Pros, Wacom tablets, large format printers, scanners \u2014 covered against theft, fire, accidental breakage in the office and while working from home.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcb0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Business interruption<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">If your studio suffers a disaster (fire, water damage, cyberattack) and cannot deliver, compensation for your income during the resumption of operation.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udc65<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Dismissal and EPL<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">If you have salaried designers, the EPL (Employment Practices Liability) extension covers wrongful dismissal, discrimination, workplace harassment.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Steps-to-Insuring-Your-Creative-Agency\"><\/span>Steps to Insuring Your Creative Agency<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Profile of your agency<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Number of employees (employees and freelancers), annual turnover, types of services (branding, web, print, UX\/UI, motion), typical customers (SMEs, large companies, government).<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Creative risk analysis<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Commercial packaging volume, pharmaceutical\/financial campaigns (high risk), international projects, editorial content management \u2014 each specialty adjusts the premium.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Creative E&#038;O Insurers Comparison<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Our partner brokerage brokers compare professional services insurers (Chubb, Intact, Aviva, Travelers) to get the best combination of E&#038;O + Civil Liability + Cyber at a competitive price.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Custom policy and certificates<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Policy issued in 24-72 hours, with nominative certificates for major clients (large companies, government) who require proof before starting.<\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Contracts and indemnities: document everything<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Always use a <strong style=\"color:#ffffff;\">written contract<\/strong> with each client that includes an assignment clause, limitations of liability, and acknowledgment of approval of the artwork. A good contract significantly reduces E&#038;O claims \u2014 and your insurer may give a discount if you use a lawyer-validated model. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Graphic-design-agency-insurance-rates-2026\"><\/span>Graphic design agency insurance rates 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Agency<\/th>\n Profile<th style=\"padding:14px 16px;text-align:left;border:none;\">Employees<\/th>\n<th style=\"padding:14px 16px;text-align:left;border:none;\">Turnover<\/th>\n<th style=\"padding:14px 16px;text-align:left;border:none;\">Prime combo (E&#038;O + RC)<\/th>                        \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Self-employed graphic designer (self-employed)<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><\/td>\n 1Less than $\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">100,000<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$650 to $1,200<\/td>                        \n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">SME<\/td>\n Studio<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">2 to 5<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$100,000 to $<\/td>\n500,000<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$1,500 to $3,000<\/td>                        \n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Medium-sized agency (full-service)<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">5 to 15<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$500,000 to $<\/td>\n2 million<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$3,000 to $6,500<\/td>                        \n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Corporate agency (large corporate clients)<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">15+<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$2 million and over<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$6,500 to $15,000+<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative rates 2026. Cyber risks are not included ($500 to $2,500 depending on exposure). <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\">Exact quote in 3 minutes<\/a>. <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">DEMANDING MAJOR CUSTOMERS?<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">Need certificates for a major contract?<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">The brokers of our partner firms issue E&#038;O + RC certificates in accordance with the governments and large companies of Quebec.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Request a certificate<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Regions-served-in-Quebec\"><\/span>Regions served in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Assur360 insures design studios and creative agencies in all regions of Quebec \u2014 <strong>Montreal<\/strong> (Mile End, Old Port, Plateau, Griffintown), <strong>Quebec City<\/strong> (Saint-Roch, Limoilou), <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>Thetford Mines<\/strong>, as well as self-employed workers throughout the region. The brokers of our business partner firms know the creative sector \u2014 hourly billing, contracts with large companies, Quebec government, attestation requirements \u2014 and adjust your coverage accordingly. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-Articles-and-Pages\"><\/span>Related Articles and Pages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"\/assurance-erreurs-et-omissions\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Errors and Omissions (E&#038;O)<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">The key protection for all consulting and professional services.<\/p>\n  <\/a>\n  <a href=\"\/assurance-cyber-risques\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Cyber Risk Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Essential complement for agencies that manage customer files.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Comprehensive business insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Property, RC, BI, cyber for Quebec SMEs in all sectors.<\/p>\n  <\/a>\n  <a href=\"\/assurance-responsabilite-civile-entreprise\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Business liability<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Protection against injury to visitors and damage to rented premises.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Design-agency-insurance\"><\/span>Frequently asked questions \u2014 Design agency insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the difference between commercial liability and E&#038;O for a graphic designer?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Commercial liability<\/strong> covers physical injury and damage (visitor who is injured in the office). <a href=\"\/assurance-erreurs-et-omissions\/\">E&#038;O (errors and omissions)<\/a> covers economic damages resulting from <strong>professional error<\/strong> \u2014 copyright infringement, faulty design, critical delay. A graphic designer needs both.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does E&#038;O cover copyright infringement?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes \u2014 Creative E&#038;O fonts specifically cover the <strong>unintentional<\/strong> use of protected elements (stock photo, font, illustration). Intentional violations are excluded. Legal defence costs and compensation to the right holder are covered up to the chosen limit.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do I need a separate policy if I work from home?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. Your <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">personal home insurance<\/a> usually excludes commercial activity. A freelance graphic designer working from home must have a commercial policy (E&#038;O + business property) to cover their equipment, customer files, and liabilities.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much does E&#038;O cost for a freelance graphic designer?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">For a self-employed graphic design worker with less than $100,000 in income, a $1 million E&#038;O + $2 million RC + property combo policy costs between <strong>$650 and $1,200 per year<\/strong>. Add $500-$1,000 for cyber coverage if you handle sensitive client files. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Are my freelancers covered by my policy?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Generally not \u2014 a freelancer should have his own E&#038;O. If you hire them as subcontractors, require a certificate and\/or extend your policy to cover them explicitly (with an additional premium). Mention this aspect to your Assur360 broker.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can a well-drafted customer contract reduce my premium?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes \u2014 insurers appreciate agencies that use a <strong>standard contract<\/strong> that includes assignment of rights, limitations of liability, minutes of approval, and arbitration clause. Some offer a 5% to 10% discount if you provide your contract template when you sign up. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is my cyber insurance really necessary?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">For an agency that manages client files (pre-launch logos, confidential campaigns, image databases), yes. A cyberattack can force notification under <strong>Quebec&#8217;s Bill 25<\/strong>, with legal fees and possible fines. Cyber insurance covers notification, experts, public relations, and customer losses.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">My government customers require E&#038;O attestation \u2014 what should I do?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The brokers of our Assur360 partner firms issue <strong>nominative certificates that comply with<\/strong> the requirements of the Quebec government, municipalities and large corporations. Typical issuance time: <strong>24-48 hours<\/strong> after policy approval. Simply provide the exact name of the client and the required limits.  <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Diff\u00e9rence entre RC commerciale et E&O pour un graphiste ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La RC commerciale couvre les blessures physiques. L'E&O couvre les dommages \u00e9conomiques r\u00e9sultant d'une erreur professionnelle \u2014 violation de droits d'auteur, concept d\u00e9faillant. Un graphiste a besoin des deux.\"}},{\"@type\":\"Question\",\"name\":\"L'E&O couvre-t-elle une infraction de droit d'auteur ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Les polices E&O cr\u00e9atives couvrent l'utilisation non intentionnelle d'\u00e9l\u00e9ments prot\u00e9g\u00e9s (photo stock, police). Les violations intentionnelles sont exclues.\"}},{\"@type\":\"Question\",\"name\":\"Police distincte si je travaille de la maison ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. L'assurance habitation personnelle exclut l'activit\u00e9 commerciale. Un graphiste ind\u00e9pendant doit avoir une police commerciale pour couvrir \u00e9quipement et responsabilit\u00e9s.\"}},{\"@type\":\"Question\",\"name\":\"Combien co\u00fbte l'E&O pour un graphiste autonome ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pour un travailleur autonome avec moins de 100 000 $ de revenus, la police combo E&O 1 M$ + RC 2 M$ co\u00fbte entre 650 $ et 1 200 $ par ann\u00e9e.\"}},{\"@type\":\"Question\",\"name\":\"Mes pigistes sont-ils couverts ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"G\u00e9n\u00e9ralement non. Exigez une attestation E&O de chaque pigiste ou \u00e9tendez votre police pour les couvrir explicitement.\"}},{\"@type\":\"Question\",\"name\":\"Un bon contrat client peut-il r\u00e9duire ma prime ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Les assureurs offrent un rabais de 5 % \u00e0 10 % si vous fournissez un contrat standard avec cession de droits et limitations de responsabilit\u00e9.\"}},{\"@type\":\"Question\",\"name\":\"La cyber-assurance est-elle n\u00e9cessaire ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pour une agence qui g\u00e8re des fichiers clients, oui. Une cyberattaque peut forcer la notification selon la Loi 25 du Qu\u00e9bec, avec frais l\u00e9gaux et amendes.\"}},{\"@type\":\"Question\",\"name\":\"Clients gouvernementaux exigent une attestation E&O ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les courtiers de nos cabinets partenaires \u00e9mettent des attestations nominatives conformes en 24-48 heures apr\u00e8s approbation.\"}}]}\n<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\"><strong>Member of the Insurance Chamber<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> quotes completed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Creative <strong>E&#038;O<\/strong> specialists<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\"><strong>Compliance with Bill 25 Quebec<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\"><strong>AMF Independent Brokers<\/strong><\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Protect your design agency now<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">E&#038;O + RC + cyber for creative studios. Submission in 3 minutes, without obligation. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get My Quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Call a broker<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Assurance entreprise\",\"item\":\"https:\/\/www.assur360.ca\/assurance-entreprise\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Agence de design graphique\",\"item\":\"https:\/\/www.assur360.ca\/assurance-entreprise-agence-de-design-graphique\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Your graphic design agency or creative studio handles sensitive files on a daily basis, delivers visual concepts, manages brand identities and sometimes [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":45295,"parent":15787,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Graphic Design Insurance 2026 QC | E&O copyright","_seopress_titles_desc":"Graphic design agency insurance QC: E&O copyright, RC $2 million, cyber client, Bill 25. Studios & freelancers starting at $650\/year.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Graphic Design Agency Business Insurance: Compare","_seopress_social_fb_desc":"Compare the best business insurance offers in graphic design. Covers errors, equipment and more.","_seopress_social_fb_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2026\/07\/og-agence-design-graphique-2026.webp","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"Graphic Design Agency Business Insurance: Compare","_seopress_social_twitter_desc":"Insurance for graphic design agencies: free, fast quote adapted to your creative reality in Quebec.","_seopress_social_twitter_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2026\/07\/og-agence-design-graphique-2026.webp","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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