Professional Indemnity Insurance

When entering into agreements with clients, brands and agencies, professional indemnity insurance is often required as a contractual condition. It covers claims made in the event that you or a member of your team makes an unintentional error.

Professional indemnity insurance for Media agencies or freelancers acts as a safeguard covering you, should a mistake result in a financial loss to your client.

Unless you have the adequate resources to pay any compensation including legal costs, and even if you are not contractually obliged to have professional indemnity insurance, it is advisable that you are protected by a policy, should a situation arise that you are found liable.

Cover information

Media Professional indemnity cover insurance protects you against risks such as:

  Cover Scenario
  Negligence Failing in your ‘duty of care’, such as making a mistake in your work.
  Intellectual Property Unintentional infringement of copyright, trademarks or broadcasting rights.
  Loss of Data Includes damaged, missing or destroyed data belonging to a client.
  Dishonesty An employee or freelancer is involved in theft from the client.
  Defamation Using or producing material about third parties that may cause offence.


By having professional indemnity insurance in place it not only reassure you but also your client.  In the event of a mistake being made, they know they can claim against your policy to recoup any losses incurred.

Purchasing professional indemnity insurance

When deciding on the right level of cover for your business, you should consider the maximum compensation that could be awarded against you and the value of your highest contracts.

As a guide, before you buy insurance you should:

  • Compare the limit of indemnity with your annual fee income
  • Find out what level of cover your clients expect
  • Check any exclusions or endorsements applicable
  • Be aware of all excesses on the policy you may be liable for
  • Declare all material information correctly including any claims history