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Professional Indemnity Insurance for Copywriters, Manchester

Professional Indemnity Insurance for Copywriters

Why does professional indemnity insurance for copywriters increasingly seem sensible?

As a Copywriter you provide a service that normally involves creating fresh written content for advertising and marketing purposes. It is often the case that a Copywriter will be dragged in to legal action where a third party accused you of breaching copyright. As you can see this is one of the core covers under a professional indemnity policy:

A typical professional indemnity policy will cover you for;

  • Professional negligence (i.e. making a mistake in a piece of work for a client)
  • Loss of documents or data
  • Unintentional breach of copyright and/or confidentiality
  • Defamation and libel
  • Loss of goods or money (your own or for which you are responsible)

Professional indemnity insurance covers you in respect of compensation that you may have to pay to your clients arising out of problems associated with the work you have carried out for them.

The PI insurance is designed to cover the cost of defending you against any allegations of wrongdoing as well as covering damages that may be awarded against you. It may also cover the cost of correcting mistakes to avoid a more costly legal action.

Click on the quote button to progress an instant competitive quotation in minutes. If you require any further information, please do not hesitate to contact us today.

Hensure Business Insurance has an online solution that allows you to quote and buy your professional indemnity insurance for a Copywriter in a matter of minutes. We can provide cover for public liability, employers liability and professional indemnity all from one simple to fill out online procedure.

What limit of indemnity does a Copywriter need for professional indemnity insurance?

The limit of indemnity you require under your policy is generally for you to decide based upon your own assessment of the exposures that you face in your business. It is worth bearing in mind that the costs involved in defending professional Indemnity claims can be astronomical so this needs to be taken in to account.

Claims made on the basis of cover rather than claims occurring basis.

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.

What is the retroactive date under a professional indemnity policy for a Copywriter?

Policies on a claim’s made basis should include a retroactive date to protect the policyholder against claims in respect of work undertaken prior to the current policy year. The retroactive date should coincide with the date you started trading or the effective date of your first Copywriters professional indemnity policy. It is possible to arrange a policy with a retroactive date of none, which effectively provides cover in respect of all previous periods.

How much is a Copywriters professional indemnity insurance policy going to cost?

The cost of your Copywriter professional indemnity cover will depend upon a few key factors including your annual turnover, your previous experience and whether you have previously had any claims made against you.

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