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Working in media or marketing usually means working closely with clients, handling data and dealing with intellectual property. It’s all interesting stuff, but it all comes with a certain level of risk: if you make a mistake in your work and your client loses money, they may claim against you. This is where a business insurance policy from Simply Business comes in. Get your professional indemnity insurance alongside other important covers like public liability insurance and office equipment insurance, and feel confident that you’re protected if something goes wrong.Compare quotes
Your core cover is likely to be professional indemnity insurance, which can pay out if you make a mistake in your work that sees your client claim compensation for financial loss. For example, your design consultancy designs a website for a corporate client, but you use someone else’s photographs that you mistakenly thought you had permission to use. Your client is sued for breaching copyright, and in turn they make a claim against you. Your professional indemnity policy could step in to cover legal fees and compensation costs, up to the limit of your policy.
You can buy professional indemnity insurance as a stand-alone cover or as part of a combined policy with other covers. At Simply Business we offer between £1 million and £5 million in professional indemnity cover.
As your business is likely to come into regular contact with members of the public, public liability insurance is also worth considering. This can cover claims made by a member of the public - for example a client, supplier or passerby - for injury or damage that they believe is caused by your business. This is the classic ‘slips and trips’ insurance, but it covers lots of other eventualities too.
What else do you need? Well, that depends on your business, but check out employers’ liability insurance if you’ve got any employees, and consider buildings insurance if you’re responsible for insuring your business premises. You can also add cover for your business equipment if you need it.