{"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":"2026-04-20T15:17:25","modified_gmt":"2026-04-20T19:17:25","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<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InsuranceAgency\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\/\",\"logo\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/11\/logo-assur360.png\",\"telephone\":\"+1-866-357-4451\",\"address\":{\"@type\":\"PostalAddress\",\"streetAddress\":\"1055 boul. Smith Sud\",\"addressLocality\":\"Thetford Mines\",\"addressRegion\":\"QC\",\"postalCode\":\"G6G 7N5\",\"addressCountry\":\"CA\"},\"areaServed\":\"CA-QC\",\"serviceType\":\"Assurance agence de design graphique\",\"licenseNumber\":\"AMF\"}\n<\/script>\n\n<p 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 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 brokers compare specialist professional services insurers (Chubb, Intact, Aviva, Travelers) to get the best combination of E&#038;O + RC + 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;\">\n 1Less than $\n<\/td><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 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;\">Our brokers issue E&#038;O + RC certificates in accordance with Quebec governments and large corporations.<\/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 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. Our commercial brokers know the creative sector \u2014 hourly billing, contracts with large companies, the 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;\">Our Assur360 brokers issue <strong>nominative certificates that comply with<\/strong> the requirements of the Quebec government, municipalities and large companies. Typical issuance time: <strong>24-48 hours<\/strong> after policy approval. Simply provide the exact name of the customer 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\":\"Nos courtiers \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>ChAD<\/strong> Member<\/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_robots_primary_cat":"","_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":"","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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","yasr_pro_reviews_in_comment_enabled":0,"footnotes":""},"class_list":["post-21181","page","type-page","status-publish","has-post-thumbnail","hentry"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/21181","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/users\/44"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=21181"}],"version-history":[{"count":25,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/21181\/revisions"}],"predecessor-version":[{"id":57838,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/21181\/revisions\/57838"}],"up":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15787"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/45295"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=21181"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}