I am the Cover Designer exclusive to XoXo Publishing. All my Cover Designs are 100% Copyright-Free, and designed from scratch. Nothing "Pre-Made." I believe that a Digital Artist, should worry about whether or not their designs are legit, with no worries as to copy-written content. Anyone can create a cover, but listening to what the author wants, and knowing about the book the cover is being created for, goes a long way to creating an eye-popping, catchy cover that will help sell the book!
I work with each and every author to create a cover they will be proud to show off, and one that I would be proud to stamp my name on. If I don`t like it, or think its mediocre, then I know the author will not like it either.
There are times when I create covers solely based on how the author wants it to look like, however, I do create an offset sample so the author can see how it looks from my vantage point. Either way, they author gets what they want, and we both win in the end!