Professional Liability Insurance for Winnipeg Digital Media Consultants
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Whether you’re a digital artist, brand consultant or copy writer, it’s important that you protect yourself financially. A single lawsuit can be devastating to your business and few can afford to cover the costs out of pocket. Luckily, EasyCover offers professional liability insurance to digital media specialists in Winnipeg. We also offer optional liability protection like cyber. Even better? We make it easy to get insurance.
What does professional liability insurance cover for digital media specialists in Winnipeg?
Professional liability insurance can cover your legal expenses if you’re sued for causing financial loss as a result of your service or advice. This includes defence costs, judgement awards and settlements.
Our coverage is also retroactive. This means that you’re covered for all your work – including claims made during the policy period for the projects you did before you were our client – as long as you have a policy with us. Just remember you need to disclose any circumstances that may result in a claim!
For example, let’s say you designed a new logo for a client. A few months later, they were sued for copyright infringement – the logo they chose is very similar to another company’s logo. Your client then sued you to recoup their costs for the logo and the lawsuit. Professional liability insurance could help you cover your legal expenses in this situation.
How much professional liability insurance do digital media consultants in Winnipeg require?
We offer three optional limits of professional liability insurance for digital media consultants in Winnipeg:
Choose the amount of protection that best fits your company’s needs. Consider your annual revenue, number of clients, value of each individual project, your contractual obligations and the likelihood and expected cost of a lawsuit in your industry.
How much does professional liability insurance cost for digital media consultants in Winnipeg?
The amount a digital media specialist in Winnipeg will pay for professional liability insurance depends on a few factors, including:
- Annual revenue of the business.
- The number of employees (if any).
- In which provinces the business operates or has clients.
- Their business operations.
- Their insurance coverage options.
Here are a few examples of what a digital media consultant could expect to pay for professional liability insurance in Winnipeg:
A graphic designer making $90,000 a year in Winnipeg might expect to pay $440 per year for basic professional liability insurance. They could add on cyber and commercial general liability for around $150 and $220, respectively.
A copywriter in Winnipeg earning $110,000 each year might pay around $660 for basic professional liability insurance.
A marketing consulting company with 3 employees earning $325,000 each year might pay around $1200 each year for basic professional liability insurance. They could add on cyber coverage for $150 each year and commercial general liability for an extra $220.
Note these examples are for reference only and do not indicate an agreed premium.
Are there any optional coverages available for digital media specialists in Winnipeg?
Yes, at EasyCover we offer three additional optional coverages: cyber liability, commercial general liability and directors and officers liability insurance.
This covers recovery costs after a cyber-attack or data breach. This can include legal defence costs, regulatory fines, public relations repair and more, up to your policy limit. As cyber-attacks are on the rise and can target any type of business, we recommend all customers carry this affordable protection.
Commercial General Liability
This coverage is standard for many businesses. It helps cover your expenses if a third party is injured or has their property damaged by you or an employee due to negligent acts. A common example is someone slipping on the walkway into your premises and injuring themselves.
Note: This coverage does not protect your employees or your company’s property.
Directors and Officers Liability
This coverage helps protect your personal assets if you’re sued personally for breaching your responsibilities as a director or officer of an organization. It helps cover your legal expenses but does not cover any criminal acts.
Do digital media consultants really need professional liability insurance in Winnipeg?
There are a few reasons digital media consultants in Winnipeg should have professional liability insurance:
- It may be required in a contract.
- It may be required or recommended by your professional association.
- It looks professional to prospective clients.
- You can’t afford to cover the cost of a lawsuit yourself.
Choose EasyCover for convenient, straightforward professional liability insurance for Digital Media consultants in Winnipeg. We’re online and available 24/7 making it convenient and easy for you to get the coverage you need.
Protect yourself against the unexpected.
Protect yourself against the unexpected with Professional Liability Insurance for Winnipeg Digital Media Consultants from EasyCover.Start Quote