{"id":21209,"date":"2025-08-20T14:55:38","date_gmt":"2025-08-20T18:55:38","guid":{"rendered":"https:\/\/www.assur360.ca\/?page_id=21209"},"modified":"2026-06-26T02:54:34","modified_gmt":"2026-06-26T06:54:34","slug":"graphic-design-business-insurance-get-a-quick-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/graphic-design-business-insurance-get-a-quick-quote\/","title":{"rendered":"Graphic Design Business Insurance"},"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 \u2014 Business Insurance for Graphic Design\", \"description\": \"Insurance for graphic designers and design studios: E&O, intellectual property, cyber. Starting at $500\/year. Quote in 2 min. 1-866-357-4451.\", \"url\": \"https:\/\/www.assur360.ca\/entreprise-graphisme\/\", \"telephone\": \"1-866-357-4451\", \"areaServed\": {\"@type\": \"Place\", \"name\": \"Quebec, Canada\"}}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 24px;text-align:center;border-radius:0 0 16px 16px;margin-bottom:40px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 16px;\">GRAPHICS &#038; DESIGN<\/p>\n  <h2 style=\"color:#ffffff;font-size:32px;font-weight:800;margin:0 0 20px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Insurance-for-graphic-designers-design-studios-and-creative-agencies\"><\/span>Insurance for graphic designers, design studios and creative agencies<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 auto 32px;max-width:700px;line-height:1.6;\">Brand identity, illustration, editorial design, UI\/UX, packaging, advertising: protect your studio against <strong>intellectual property disputes, dissatisfied customers and cyber risks<\/strong>.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:16px;max-width:1200px;margin:0 auto 40px;padding:0 24px;\">\n  <div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">From $500<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Annual premium<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">$1M to $3M<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">E&#038;O Limits<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Certified brokers<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">48 h<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Rapid Attestation<\/div>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">A graphic design company in Quebec lives from <strong>creation and delivery<\/strong>. Its main risks are not physical but legal: a client who contests a deliverable, a brand that claims that your design plagiarizes its logo, a royalty-free photo that turns out not to be, an identity redesign that fails commercially in the eyes of the client. An E&#038;O design protects against financial damage caused by your services, covers intellectual property (accidental infringement), and covers legal fees \u2014 often higher than the damages themselves for a small structure.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-6-essential-protections-for-a-graphic-designer-or-studio\"><\/span>The 6 essential protections for a graphic designer or studio<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;max-width:1200px;margin:24px auto;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">E&#038;O design and deliverables<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Dissatisfied customer, disputed deliverables, design errors engaging financial responsibility.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Intellectual property<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Accidental infringements: image, typographic font, artwork under restrictive license.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Commercial liability<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Customer meetings, events, deliveries \u2014 injuries or damage during physical interactions.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Studio Equipment<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Computers, graphic tablets, printers, camera equipment. Theft and damage coverage. <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Cyber Creative<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Account hacking (Adobe, Figma, Dropbox), ransomware on customer files, payment fraud.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Protection of moral rights<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Use of your work by a client beyond the initial contract \u2014 legal support.<\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border:2px solid #10c4c7;border-radius:12px;padding:32px;margin:40px auto;max-width:1200px;color:#ffffff;\">\n  <h3 style=\"color:#10c4c7;font-size:1.3rem;margin:0 0 16px;\">\ud83d\udca1 Broker&#8217;s advice<\/h3>\n  <p style=\"color:#e2e8f0;font-size:1rem;line-height:1.7;margin:0;\">The typical trap of the graphic designer: <strong>using &#8220;royalty-free&#8221; images<\/strong> without reading the license terms. A Pexels image used commercially when the photographed subject has not consented can generate a lawsuit. An Adobe Fonts font used outside of the current subscription can cost $10,000 retroactively. Document ALL your sources (captures, purchase confirmations) \u2014 your E&#038;O PI defends you, but proof speeds up the process.   <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"faq\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1200px;margin:0 auto 40px;\">\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">How much does insurance cost for freelance graphic designers in Quebec?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Between $500 and $1,500 per year for a solo freelancer. For a studio apartment for 3 to 10 people: $1,200 to $3,500\/year. Agencies with corporate or government mandates pay more (E&#038;O at $2 million often required).  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">My client refuses to pay because he doesn&#8217;t like the design \u2014 covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">No \u2014 <strong>refusal to pay for subjective dissatisfaction<\/strong> is not an insurable loss. Your E&#038;O covers objective errors (deliverable not in accordance with the signed brief, missed deadline). Framing the brief and the revisions in a written contract drastically reduces this risk.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">A logo I created looks like an existing brand \u2014 sued, covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, via <strong>the intellectual property liability<\/strong> (included in most E&#038;O design). Covers unintentional infringements: accidental resemblance, unconscious inspiration, patent graphic element. Documented prior art searches reduce exposure.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">I used a Pexels photo but the model pictured is chasing me \u2014 covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, via the <strong>Intellectual Property and Image Rights RC<\/strong>. Free photo licenses rarely cover the rights of the people photographed. For any recognizable human face in a commercial context, demand a <strong>model release<\/strong>.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">A client uses my design beyond the original contract \u2014 my remedies?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">It is a <strong>violation of copyright and moral rights<\/strong>. Your policy may include business legal protection ($200 to $600\/year) to fund the process. Graphic designer contracts must always specify: duration of use, authorized medium, exclusivity, assignment or license.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">My computer with all my client projects is stolen \u2014 covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, via <strong>professional property insurance<\/strong> (equipment) <strong>and cyber insurance<\/strong> for the reconstruction of files. Cloud backups (Dropbox, Drive) are essential. A comprehensive policy includes the cost of rebuilding and loss of income during the interruption.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Our designers work remotely \u2014 equipment coverage?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, via the <strong>&#8220;off-premises equipment&#8221;<\/strong> endorsement. Equipment provided to teleworkers (Macbook, iPad Pro) is covered at home. Marginal additional cost. Declare all teleworking positions when you take out.   <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">My contracts with large companies require E&#038;O \u2014 what level?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Standard in Quebec: <strong>$1 million for SMEs, $2 million for corporate, $5 million for government\/financial<\/strong>. Your broker issues a nominative certificate in the client&#8217;s name within 48 hours. Keep the certificates for each mandate.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are creative and spec work contests covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\"><strong>Speculative work<\/strong> (competitions, free pitches) is generally not covered because it is outside the contractual framework. Avoid spec work or negotiate participation fees. Once a contract is signed, the E&#038;O coverage is fully activated.  <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Graphic-designers-and-studios-throughout-Quebec\"><\/span>Graphic designers and studios throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f8fafc;border-radius:12px;padding:28px;margin:24px auto 40px;max-width:1200px;\">\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0 0 12px;\">Assur360 supports businesses throughout Quebec: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong> and <strong>Saguenay<\/strong>. Creative studios in Montreal, agencies in Quebec City, freelancers in the Eastern Townships, designer collectives in Gatineau, Sherbrooke, Laval: our brokers support all creative profiles, from independent solos to agencies of 30 people. <\/p>\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0;\">100% online quote, free of charge, with comparison of several Canadian insurers.<\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Additional-Coverage-to-Consider\"><\/span>Additional Coverage to Consider<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;max-width:1200px;margin:24px auto;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/information-technology-insurance-2\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">IT &#038; Technology Insurance<\/div>\n  <\/a>\n<a href=\"\/assurance-entreprise-informatique\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">IT Business Insurance<\/div>\n  <\/a>\n<a href=\"\/assurance-responsabilite-civile-creation-de-sites-web\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Liability insurance for website creation<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Business Insurance<\/div>\n  <\/a>\n<\/div>\n\n<h3 class=\"wp-block-heading\">Official references<\/h3>\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/grafika.com\/\" rel=\"nofollow noopener\" target=\"_blank\">Grafika \u2014 Quebec Design Community<\/a><\/li>\n<li><a href=\"https:\/\/www.ic.gc.ca\/eic\/site\/cipointernet-internetopic.nsf\/fra\/accueil\" rel=\"nofollow noopener\" target=\"_blank\">Canadian Intellectual Property Office<\/a><\/li>\n<li><a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurances\/\" rel=\"nofollow noopener\" target=\"_blank\">Autorit\u00e9 des march\u00e9s financiers<\/a><\/li><\/ul>\n\n<div style=\"background:#f0fdfa;border:2px solid #10c4c7;border-radius:12px;padding:30px;margin:40px auto;max-width:1200px;\">\n  <h3 style=\"color:#0d1f2d;font-size:1.15rem;margin:0 0 16px;\">\ud83d\udee1 Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:16px;\">\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">AMF<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Certified brokers<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">Chamber of Insurance<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Insurance Chamber<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">100K+<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Submissions processed<\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:48px 24px;text-align:center;max-width:1200px;margin:0 auto 40px;border-radius:16px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">COMPARE AND SAVE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Get-your-free-quote\"><\/span>Get your free quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 28px;\">Our AMF-certified brokers compare several insurers to find you the best coverage.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"How much does insurance for an independent graphic designer cost in Quebec?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Between $500 and $1,500 per year for a solo freelancer. For a studio of 3 to 10 people: $1,200 to $3,500\/year. Agencies with corporate or government contracts pay more (E&O at $2M often required).\"}}, {\"@type\": \"Question\", \"name\": \"My client refuses to pay because they don't like the design \u2014 covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"No \u2014 the <strong>refusal to pay for subjective dissatisfaction is not an insurable loss. Your E&O covers objective errors (deliverable not conforming to the signed brief, deadline not met). Clearly framing the brief and revisions in a written contract drastically reduces this risk.\"}}, {\"@type\": \"Question\", \"name\": \"A logo I created resembles an existing brand \u2014 sued, covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, through the <strong>intellectual property liability (included in most design E&O). Covers unintentional infringements: accidental resemblance, unconscious inspiration, patented graphic element. Documented prior art searches reduce exposure.\"}}, {\"@type\": \"Question\", \"name\": \"I used a Pexels photo but the model photographed is suing me \u2014 covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, through the <strong>intellectual property liability and rights of publicity. Free photo licenses rarely cover the rights of photographed individuals. For any recognizable human face in a commercial context, require a <strong>model release.\"}}, {\"@type\": \"Question\", \"name\": \"A client is using my design beyond the initial contract \u2014 my recourse?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"This is a <strong>violation of copyright and moral rights. Your policy may include business legal protection ($200 to $600\/year) to fund the proceedings. Graphic designer contracts must always specify: duration of use, authorized media, exclusivity, assignment or license.\"}}, {\"@type\": \"Question\", \"name\": \"My computer with all my client projects is stolen \u2014 covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, through <strong>professional property insurance (equipment) and a <strong>cyber policy for file restoration. Cloud backups (Dropbox, Drive) are essential. A comprehensive policy includes restoration costs and loss of income during the interruption.\"}}, {\"@type\": \"Question\", \"name\": \"Our designers are working remotely \u2014 equipment coverage?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, through the <strong>\u2018off-premises equipment\u2019 endorsement. Equipment provided to remote workers (Macbook, iPad Pro) is covered at their home. Marginal additional cost. Declare all remote work items at underwriting.\"}}, {\"@type\": \"Question\", \"name\": \"My contracts with large companies require E&O \u2014 what level?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Standard in Quebec: <strong>$1M for SMEs, $2M for corporate, $5M for government\/financial. Your insurance broker issues a named certificate in the client's name within 48 hours. Keep certificates for each mandate.\"}}, {\"@type\": \"Question\", \"name\": \"Are creative contests and spec work covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Speculative <strong>work (contests, open pitches) is generally not covered as it falls outside the contractual framework. Avoid spec work or negotiate participation fees. 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