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Desk Top Publishers Professional Indemnity insurance

Desk Top Publishers Professional Indemnity insurance

Hensure Business Insurance are experts at arranging Professional Indemnity cover for Desk Top Publishers. We have developed our own scheme for Professional Indemnity insurance underwritten by Lloyds of London. The advantage of our scheme facility is that there is no need to fill in any lengthy proposal forms.

We also have access to a number of other Professional Indemnity markets if the risk profile of your particular business does not fit with our scheme underwriting criteria.

Professional Indemnity insurance protects you or your business against claims relating to negligence, errors, mistakes and breach of professional duty that you make which cause your clients a financial loss.

There are a number of factors to consider when purchasing Professional Indemnity insurance:

  • The limit of indemnity required. This is the maximum amount of money that your Professional Indemnity policy will pay out. This will need to be high enough to cover you in the event of a claim.
  • Is the cover on an’ any one claim ‘basis or in the ‘aggregate’? With any one claim every single claim that you make during the insurance year is entitled to the full indemnity limit. With aggregate cover each claim is paid out of the specified indemnity limit and this means that there is less money then left in ‘ the pot’ to cover any subsequent claims.
  • What excess are you prepared to consider? Higher excesses can lead to more competitive premiums but would mean you would have to pay more out of your own pocket in the event of a claim.
  • The cover –is it on a full civil liabilities basis or does it just look to cover your errors and omissions?

If you have not had Professional Indemnity insurance before then the retroactive date of the policy is going to be the inception date of the policy. It is important to understand that professional indemnity policies are written on what is called a ‘claims made’ basis. This means that they provide cover for claims made against you during the policy period (i.e. after the inception or renewal date) that relate to work that you have done at any time after the retroactive date. If this is the renewal of your policy and you are just looking for an alternative quotation, then you will need to ensure that the retroactive date mirrors the date from your current policy or else you will not have cover for your past work.

The Professional Indemnity cover provided under our scheme is on an’ any one claim’ basis and we have developed a specific wording that is appropriate for media professionals that includes the following cover;

  • Breach of civil liability
  • Negligent act error or omission
  • Unintentional intellectual property rights infringement (other than patents)
  • Unintentional breach of confidentiality
  • Unintentional defamation
  • Loss of third party documents or data
  • Computer virus transmission
  • Negligence of sub-contractors
  • Irrecoverable fees
  • Rectification and loss mitigation costs
  • Bodily injury or property damage arising from breach of professional duty
  • Defence costs
  • Court attendance costs

Please follow the link to get a competitive quotation today.


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