At the moment when the creative industry is booming, designers are the key force to push the industry forward. With their unique perspective and clever thinking, they have outlined a novel picture for the world and designed a piece of works that make people shine. However, inspiration is not an endless fountain, but it always dries up. When designers are caught in the inspiration dilemma and the project is stagnant, not only their personal reputation is damaged, but also they face severe challenges economically. As a result, the "designer creative insurance" came into being, providing designers with a solid umbrella and providing economic compensation when their inspiration dried up.
Designers' working mode determines their extreme dependence on inspiration. Every project is painted on a blank canvas, which needs a steady stream of new ideas to fill the color. But inspiration is flickering, and designers often face the ardent expectations of customers during the tense project cycle, but their minds are blank. Without creativity, there is no way to start the design scheme, the delivery date is delayed again and again, customer churn and liquidated damages follow one after another, and the economic situation has turned sharply. Under this pressure for a long time, designers are exhausted physically and mentally, and even have doubts about their careers. Designer creative insurance is like a silent guardian partner, providing economic buffer and support to designers in their most difficult times.
The insurance covers a wide range of economic losses caused by exhaustion of inspiration. From the extra venue rental fees and labor costs caused by the delayed delivery of the project, to the liquidated damages paid for failing to meet the customer's needs, and then to the consulting fees incurred in order to re-stimulate creativity and seek professional help, etc., they are all within the scope of claim settlement. Its claim settlement process is relatively simple. Once the designer confirms that he is caught in a long-term inspiration dilemma and has tried many solutions, he still has no results. He only needs to provide corresponding project records, communication documents and proof of trying to restore creativity, and then he can get corresponding compensation after being audited by the insurance company.
For creative industries, the launch of designer creative insurance has far-reaching significance. It not only reduces the professional risk of individual designers, but also stabilizes the whole industry ecology. Investors' worries will be greatly reduced when funding design projects, because they know that designers have this insurance protection, the project is more likely to go ahead smoothly and the return of funds is more secure. When recruiting outstanding designers, the design studio can also use this insurance as a welfare highlight to attract more talents and enhance the overall creative vitality and risk resistance of the team.
The premium pricing of designer's creative insurance is also reasonable. Insurance companies comprehensively consider the designer's working years, past project success rate, industry field and estimated project risks and other factors to formulate differentiated premium standards. The premium of young designers who are new to the industry is relatively low. With the increase of designers' experience and the difficulty of the project, although the premium has increased, it is still within the acceptable range compared with the growth rate of the guarantee amount. This enables the majority of designers to participate in the insurance and enjoy this intimate guarantee.
In this creative era full of uncertainty, designer's creative insurance is like a beam of light, illuminating the way forward for designers. It allows designers not to fight alone in the pursuit of outstanding creativity, but to break through the boundaries of innovation without any worries, inject a steady stream of vitality into the creative industry, and push the whole industry towards a more prosperous and stable direction.
