Professional Liability Insurance for Ottawa’s Digital Media Consultants
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Technology is constantly changing the way we live, work and play—and this impacts the professional advice and services that new and digital media specialists provide in Ottawa.
Clients rely on your digital media advice or services to grow their business and they expect you to be at the forefront of this evolving industry. Unfortunately, no matter how in-tune you are with the shifting digital media landscape, mistakes can happen.
You could face a lawsuit if you make a professional error and cause your client financial damages. That’s why new and digital media consultants in Ottawa should consider professional liability insurance. This coverage can help protect you from the financial burden of legal costs.
With EasyCover, it’s quick and simple for new and digital media consultants to get professional liability insurance. The entire process—from getting an instant free quote to purchasing your policy—can be completed online in a matter of minutes. Get the coverage you need to work with peace of mind.
What is professional liability insurance for new and digital media consultants in Ottawa?
Professional liability insurance is a unique coverage that is tailored for individuals who provide professional advice or services for a living—such as new and digital media specialists in Ottawa.
That’s because professional liability insurance can help cover legal costs related to defending your advice or services against claims of mistakes or negligence.
For example, let’s say you’re hired to create an e-commerce site for your client. Everything appears to be working, but something ultimately goes wrong and customers are unable to make purchases. Your client might sue you to recover the anticipated revenue they lost during this period.
In this and other similar cases, professional liability insurance can help new and digital media consultants in Ottawa cover legal expenses, which could otherwise be financially catastrophic to your business. This includes defence costs, such as hiring a lawyer, as well as restitution, such as settlements and judgement awards.
How are professional liability rates calculated for digital media consultants in Ottawa?
There are several factors that will determine professional liability insurance premiums for new and digital media consultants in Ottawa, including:
Your area of expertise
EasyCover provides protection to the following digital media professionals in Ottawa:
- Advertising consultants
- Brand consultants
- Corporate identity consultants
- Graphic designers
- Market researchers
- Market researchers
- Marketing consultants
- Media buyers
- Public relations consultants
- Website designers
- Website marketers
Contact us if your occupation is not listed. We can discuss your options and help find you your professional liability coverage.
Your annual revenue
EasyCover offers professional liability insurance to digital media consultants in Ottawa who make up to a maximum of $2 million per year.
The number of individuals on your policy
With EasyCover, digital media consultants in Ottawa can choose to cover just themselves on a policy or a small company with a maximum of five employees.
Your level of coverage
Digital media consultants in Ottawa can choose from three limits with EasyCover: $1 million, $2 million and $5 million. The limit you choose is the maximum amount you could receive for all approved claims during the 12-month period of your policy.
4 reasons why new and digital media consultants in Ottawa need professional liability insurance.
- Mistakes happen. You’re skilled and professional, but the reality is errors can still be made. Clients might sue when these mistakes cause them financial damages. Fortunately, professional liability insurance can protect new and digital media consultants in Ottawa from bearing the financial burden of lawsuits.
- Legal costs can financially drain your business. The cost to defend yourself against claims of negligence or professional errors can be extremely expensive. Professional liability insurance can help new and digital media consultants in Ottawa cover an array of legal expenses.
- Other insurance doesn’t cover it. As someone who provides professional digital media advice or services in Ottawa, you must make sure you have the right coverage. Typically, only professional liability insurance provides protection should a client claim they’ve suffered financial damages because of mistakes in your advice or services.
- Your contract might not cut it. You likely have a standard business contract for your digital media business that may try to limit your liability; however, a client can still sue, and your contract may not hold up in court. Plus, your contract won’t cover your legal defence costs—professional liability insurance can help.
Optional Coverage for Digital Media Contractors in Ottawa
Besides offering professional liability insurance, EasyCover can also provide a few additional protections for Ottawa’s digital media contractors.
Commercial General Liability Insurance (CGL)
Commercial general liability insurance (CGL) is the most basic form of liability insurance. It offers protection in the event that you or any of your employees accidentally injure a third party or cause damage to their property while carrying out business operations. This includes any injuries or damages that occur on your premises or on a client’s property.
CGL insurance is considered a critical coverage option and if you have professional liability insurance but leave CGL out, you may leave your business vulnerable. We start CGL coverage at $1 million but you can choose higher limits if desired or required.
Keep in mind that this doesn’t cover damage or loss of your own tools, equipment and other property.
Directors and Officers Liability Insurance
Directors and officers can be held personally responsible for their actions while serving on a board of directors if they have acted outside the law or failed to perform their duties properly. Directors and officers liability insurance (D&O) is designed to offer protection for directors and officers, covering legal expenses from claims brought by regulatory bodies, suppliers and vendors, employees, creditors, and customers.
Criminal penalties or offences will not be covered as this type of loss is not insurable by law
Cyber Liability Insurance
Cyber liability insurance is designed to help cover certain costs following an alleged or actual hacking event or privacy breach. EasyCover’s cyber liability coverage includes network security liability and privacy liability. It may help cover the cost of network security and privacy breach costs, business income interruption losses, defence costs, extortion fees, digital asset losses, and regulatory fines.
Every policy has a specified limit, so be sure to familiarize yourself with yours and note any exclusions or separate deductibles.
Protect yourself against the unexpected.
Protect yourself against the unexpected with Professional Liability Insurance for Digital Media Consultants in Ottawa from EasyCover.Start Quote