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New Media Professional Liability Insurance
As a digital or new media professional, liability insurance is a critical protection. Whether you’re a graphic designer, animator, programmer or any other new media specialist, you may run into a situation where you’re being held liable for a client’s financial loss. Whether you’re innocent or guilty, accusations of negligence, misrepresentation, or failure to provide can result in a lawsuit where you’ll be responsible for the legal expenses. Digital media professional liability insurance, also known as errors and omissions insurance, can protect you in cases like these, providing coverage for your litigation costs.
The Value of Digital Media Professional Liability Insurance
Any professional who provides a service or offers advice is at risk for being sued. True or not, clients may feel you’ve failed to provide your service or advice in some way, or that you’ve been negligent or inaccurate. With digital media, you have the added complexities of technology and copyright. This is what makes new media professional liability insurance so important. Even if you aren’t found liable, you could face extensive legal defense costs and potentially irreparable damage to your reputation.
While most companies have a general liability insurance policy, this coverage is for third party bodily injury or property damage. If you’re sued by a client for a failure in providing your service or advice causing financial loss, you won’t be covered.
Fortunately, EasyCover offers new media professional liability insurance in a way that’s simple and convenient. Our online tool allows you to get a quote or purchase a policy. You could be covered in less than five minutes!
Step 1: Enter your information for your free new media professional liability insurance quote.
Step 2: Select the policy that works for you.
Step 3: Pay online and receive your policy documents.
Work with confidence knowing you’re protected with EasyCover’s digital media professional liability insurance.
What is covered by liability insurance for new media professionals?
New media professional liability insurance covers your legal expenses in the event you’re sued by a client who suffered financial loss as a result of your service or advice, so long as it’s an insured event. This accusation can be true or not; your coverage will still cover your defense costs as well as any settlement or judgement awards up to your policy limit.
EasyCover offers three levels of protection:
- $1 million
- $2 million
- $5 million
This is the maximum amount that will be paid out over the 12-month policy period for all claims. For example, if you choose the $1 million policy limit and you have two claims, your insurance will only cover up to $1 million for the year, not per claim.
The level of protection you choose will depend on your clients, the value of the projects you work on, and the expected costs of litigation, should you be sued.
You’ll also need to pay a deductible for each claim. Let’s say your deductible was $500. If you have two claims, you’d pay a total of $1000, then your professional liability insurance would cover the rest (up to your policy limit).
Keep in mind that new media professional liability insurance won’t cover any deliberate acts of dishonesty, misrepresentation or fraud. You’re also required to inform your insurer as soon as you’re aware of a potential lawsuit. Your new media professional liability insurance also won’t cover any third party injuries or property damage – that’s covered by a commercial general liability insurance policy.
New Media Professional Liability Insurance in Action
Professional liability insurance for digital media artists, designers, or programmers protects you in a wide variety of scenarios. A client can sue you for financial loss as a result of your provided service or advice – or failure to provide that service or advice. This includes negligence, misrepresentation, and harming the reputation of a client, to name a few.
Here are a few examples where digital media professional liability insurance would be valuable:
As a website designer, you’ve been asked to create an e-commerce website for a client. The project is delivered and the website is launched. Unfortunately, the shopping cart tool is broken. As a result, your client claims that they have lost revenue because their customers cannot purchase and sue you for their financial loss.
Incorrect Information on a Website
You’re a content writer and you’ve been hired to write web copy for a new website. After the launch, they discover some of the content you wrote is incorrect. They claim they’ve lost business because of this mistake and attempt to sue you for the loss. Your digital media professional liability insurance would protect you, covering your costs as you fought these accusations.
You’ve been asked to design a new logo for a client in your role as a graphic designer. Unfortunately, you’ve been accused of copyright infringement by another company in the same industry shortly after you deliver the finalized logo to your client. Your new media professional liability insurance would help your legal defence costs in this scenario.
Risk Management for Digital Media Professionals
While your digital media professional liability insurance will be there if you need it, it’s always best to avoid a lawsuit in the first place. Who wants that stress? Here are some ways you can manage your risks as a digital media specialist:
- Communicate – Open and honest communication is key to a good working relationship. Ensure that everyone understands their responsibilities and the expectations for the project, including deadlines and fees.
- Record Keeping – Always follow up a conversation with an email confirming what was discussed. This helps keep everyone accountable and is also important documentation. You should keep backups of all of your work, including a version on cloud storage.
- Proofs and Approvals – Ensure your client has ample opportunity to approve designs and work you carry out. The extent of this will depend on the client and your specific industry, but it is important to have go-ahead from your stakeholders in different stages throughout the project.
- Quality Control – Put procedures into place that help you ensure quality in your work. Have another person review your work or test it out.
While these mitigation measures won’t always prevent a lawsuit, they can help prevent them. It can also help you provide evidence for your case in the event you’re sued.
EasyCover’s New Media Professional Liability Insurance
EasyCover provides digital media professionals with the critical professional liability insurance they need. We cover the following new media professions:
- Advertising Consultant
- Brand Consultant
- Copy Writer
- Corporate Identity Consultant
- Event Organizer
- Graphic Designer
- Interior Designer
- Market Researcher
- Marketing Consultant
- Media Buyer
- Public Relations Consultant
- Website Designer
- Website Marketing
If you don’t see your exact role listed above, chat with us and we’ll see what we can do!
With EasyCover’s new media professional liability insurance, we give you the ability to work with confidence with the knowledge that you’ll be protected. Try our online tool to get a free quote or purchase your policy today.
Protect yourself from the unexpected.
Get Professional Liability insurance from EasyCover today.
Why Use EasyCover
If you provide advice or professional services to your clients, and are sued due to your alleged negligence, your Commercial General Liability policy may not respond. You need the protection of Professional Liability Insurance.
With EASYCOVER Professional Liability Insurance, you are protected against a broad variety of negligent acts, errors or omissions, backed by one of the oldest and most respected insurance providers in the world.
Get Canada’s first online Professional Liability Insurance at very competitive rates.
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Get a FREE quote, print your policy documents and pay from the comfort of your home or office, all in minutes with our easy-to-use online tool.