Professional Liability Insurance for Regina New Media Consultants
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As a digital or new media consultant in Regina, you make a living providing professional creative advice or services. This puts you at risk of being sued if a client claims your work caused them a loss. Mistakes happen, no matter your level of expertise, and even the smallest errors can cause significant financial consequences for your client.
When this happens, your client can sue you to recover their losses. Without the right insurance, you will be left to pay your legal defence costs as well as any settlements or judgement awards out of pocket.
Professional liability insurance offers the protection that digital and new media consultants in Regina need from unexpected lawsuits.
Why do digital and new media consultants in Regina need professional liability insurance?
No matter if you’re a graphic designer, public relations consultant or digital marketer, your professional advice or service might not go as planned—and, in a worst-case scenario, this could cause your client financial damages. When this happens, a client could sue you to recover lost revenue or unexpected expenses. There is also always a risk that a client could make an unfounded claim against you.
Whether warranted or not, defending yourself against allegations of negligence or professional mistakes can be extremely expensive. Professional liability insurance can help digital and new media consultants in Regina cover legal defence costs.
What does professional liability insurance cover for digital and new media consultants in Regina?
If you have other business and liability insurance, you may wonder if professional liability insurance is necessary. But it is! This is because, in most cases, other coverages will not protect you if a client claims your creative advice or service resulted in financial hardships.
Professional liability insurance can help you cover:
- legal defence costs, such as hiring a lawyer or lost wages from attending court; and,
- restitution to your client, including settlements and judgement awards.
Here are a few examples of scenarios where professional liability insurance can help cover legal expenses for digital and new media consultants in Regina:
- Development error
You create an e-commerce site for your client, but something goes wrong after launching and customers are unable to make purchases. Your client can sue to recover this lost revenue.
- Copyright accusations
Your client is sued for copyright infringement for a logo you designed. They can hold you liable and sue to recover their legal expenses.
- PR campaign gone wrong
Something that seemed like a good idea could cause unforeseen backlash. Your client could sue you for a loss of revenue that may result from the negative attention and publicity.
How much does professional liability insurance cost in Regina?
Professional liability insurance for digital and new media consultants in Regina could start at $330 per year; however, there are a number of factors that determine your annual premium, including your:
- area of expertise
- annual revenue
- company size
- level of coverage
- insurance and claims history
When choosing your level of coverage (we offer $1 million, $2 million and $5 million options) it’s important to keep in mind this is the maximum amount that’ll be paid out for all claims over a 12-month period; the coverage is not per claim.
Who needs professional liability insurance in Regina?
All digital or new media consultants in Regina should consider getting professional liability insurance to protect themselves against unexpected lawsuits.
EasyCover provides professional liability insurance to new and digital media experts in Regina, including:
- Advertising consultants
- Brand consultants
- Copywriters
- Corporate identity consultants
- Editors
- Graphic designers
- Market researchers
- Marketing consultants
- Media buyers
- Public relations consultants
- Website designers
- Website marketers
Don’t see your area of expertise listed? Contact us and one of our professional liability insurance brokers can help find a solution for you.
What optional coverages are available for consultants in Regina?
Besides offering professional liability insurance, EasyCover can also provide a few additional protections for consultants in Regina.
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.
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.
Why should digital and new media consultants in Regina choose EasyCover for professional liability insurance?
We make it easy for digital and new media consultants in Regina to get the professional liability insurance they need to work with peace of mind.
With our unique online platform, you could be covered in just five quick steps:
- Enter your business information, such as company size and annual revenue.
- Select your level of professional liability coverage—we provide $1 million, $2 million and $5 million options.
- Decide if you want to add general liability and cyber liability coverage to your policy.
- Review your free quote instantly.
- Pay your annual premium online.
It really is that simple for digital and new media consultants in Reginal to get professional liability insurance with EasyCover.
Protect yourself against the unexpected.
Protect yourself against the unexpected with Professional Liability Insurance for Digital and New Media Consultants in Regina from EasyCover.
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