Why choose Hensure for PI insurance
Personal Service
Our business is not a call centre, but instead provides a personal service and dedicated team to assist with your queries.
Experienced Team
Our team has a wealth of experience and knowledge to help you and your business get the most appropriate cover for your needs.
Online System
Our full 24/7 quote and buy facility allows you to run a personalised quotation, at a time that suits you and your business.
Why does professional indemnity insurance for Communication Consultants make sense?
In most cases, Communication Consultants will work with Marketing or Communication Departments or with individuals directly responsible for a company’s communication efforts.
As a Communication Consultant, you need to be careful when representing your client and communicating their message in any form to the public, as you could be liable to pay compensation for the financial loss the client can claim to have suffered, and any legal costs associated with defending an action.
The basic duties of a Communication Consultant include:
- Provide superior communication services in adherence to client culture and needs.
- Estimate client requirements and collaborate with team members to achieve client goals.
- Suggest strategies to achieve client goals while not exceeding project budget.
- Device strategies to promote cash flow and curb expenses.
- Provide consultation on client communication projects within given deadlines.
- Ensure optimum use of resources and realisation of timelines in prioritising and authorising projects.
- Establish communication ties with clients regarding services and concerns.
- Guide business partners on specific needs.
- Contribute ideas and expertise in planning and implementing solutions for clients.
- Devise and implement strategies for business development and expansion.
An appropriate professional indemnity insurance for Communication Consultants can take care of all of this for you and give you the peace of mind that you are covered in the event of a claim against you for professional negligence.
The extensions of cover in respect of irrecoverable fees and rectification and loss mitigation are of particular relevance as most media professionals will normally be in a position to fix a problem before it ever becomes apparent to their client. The end result is no third-party claim for damages and therefore, under most policy wordings, no valid professional indemnity claim.
For this reason, it is essential that a suitable media wording is bought that includes cover for rectification and irrecoverable fees – also referred to as ‘First Party’ cover.
If you require any further advice or guidance please do not hesitate to contact us.

Things we look for
- Company Size – the overall size of the firm, based on gross annual income of the company and the number of partners/ directors/ employees.
- Qualifications and Experience – insurers will want to know how many relevant years’ experience that you have in the trade and may want to see relevant CVs.
- Type of Work – insurers will want to know the split of annual income derived from each discipline that the firm is involved in; some areas are considered high risk and some areas are considered low risk from a claims point of view.
- Production of advertisements
- Media planning and buying or ‘media spend’
- Design and production of printed literature and documents
- Direct marketing including mailshots
- Sales promotion
- Marketing including market research
- Public relations
- Publishers
- Claims Experience – this information reflects on the type of work carried out by a company. It also reflects the quality of the company’s work, experience, staff & internal risk management.
- Turnover Split by Territory – a large exposure to USA/Canada in particular can be perceived as a problem due to the claims culture in North America and the likely costs involved in defending negligence claims in those countries.
Policy coverage
A typical Professional Indemnity insurance policy for Communication Consultants will normally cover the following areas:
- Breach of Civil Liability
- Negligent act, error or omission
- Negligence of sub-contractors
- Irrecoverable fees
- Rectification and loss mitigation costs
- Bodily injury or property damage arising from breach of professional duty
- Defence costs
- Unintentional intellectual property rights infringement (other than patents)
- Unintentional breach of confidentiality
- Unintentional defamation
- Loss of third-party documents or data
- Computer virus transmission
- Court attendance costs
Your policy coverage may vary between insurer.
Insurance types
Professional Indemnity
- Professional Indemnity provides cover for claims that arise as a result of the work you have completed or advice you have given.
Public Liability
- Public Liability provides cover should members of the public receive an injury or property damage due to your work. This protects your business should a compensation claim be made, also covering any legal costs that result from this.
Employers’ Liability
- Employers’ Liability provides cover for compensation claims and associated legal costs, arising from employee injury or work-related illness.
Cyber Insurance
- Cyber Insurance provides support in the event of cyber-crime and unintentional data breaches, offering cover against the cost of revenue and fines.
Directors and Officers
- Directors and Officers insurance policies protect you financially against any claims that are made against you personally in your position as a director, partner or officer of your business.
Legal expenses insurance
- If you were involved in a legal battle, knowing that any money you spend on legal bills would be reimbursed could make all the difference. Legal expenses insurance does just that. It ensures that your business remains financially stable after a legal case by helping to compensate the business for incurred costs.
Contact us to find out more about the right cover for your business.