Professional Indemnity Insurance (PI) is an absolute must for all creatives. Applying creative license to projects and taking risks with advertising and design concepts lies at the heart of the creative industry and has done for decades.
Yet, because creative work is subjective, it can be open to interpretation. This means you could spend hours on a commission or project and be really proud of what you have created, only for the client to be unhappy with it and feel that you have not fulfilled your part of the agreement.
A situation such as this could potentially result in a professional indemnity claim against you if the client feels the situation cannot be rectified and they feel they have lost money as a result.
PI is ideal for the creative industry and is specifically designed for any business offering professional services, designs or advice and will help protect you if:
Examples of this include: sampling music for your own advertising without permission, copying someone else’s logo and branding.
For exceptional PI cover contact us on 0333 321 1403 or
As soon as you take on staff, whether they be permanent or part-time, freelance or working for you on a contract basis, you are legally required to have employer’s liability insurance (EL).
EL will provide you with the cover you need if an employee has an injury at work. It will also help pay for your legal representation should a claim be brought against you.
PL will cover you if you or one of your employees causes injury or property damage to a third party. You could be meeting a client at their premises, or conducting a location photoshoot, or taking part in some guerrilla marketing activity.
Even if you’re office based, PL is essential, and you will certainly need it if clients visit your premises for meetings.
Employers Liability and Public Liability are available as part of a business combined insurance policy which also includes Professional Indemnity – contact us on 0333 321 1403 or
Most creative media businesses will use some forms of expensive technologies and other equipment such as furniture, but the creative industry is synonymous with using high-end technologies that most other industry sectors don’t need ie: photographic and film recording equipment can cost thousands of pounds per item. So it’s essential to protect your equipment in case of loss, breakage or theft.
We offer office contents cover up to £10,000 and portable equipment up to £5000, with the option to have world-wide cover. It is important to be aware that business equipment will not be picked up under most household insurance policies.
Caunce O’Hara Tax Enquiry & Legal Expenses insurance provides you with £100,000 of cover (any one claim) for representation costs in the event of an HMRC investigation, meaning you aren’t fronting the cost yourself.
This policy is extensive in its coverage and provides a comprehensive level of insurance for most instances where legal costs and expenses are incurred, including:
Many business founders of limited companies don’t realise that you can still personally face legal action, fines or prison sentences. You can also be disqualified from being a company director.
D&O will help you with this and it will also show you take your responsibilities seriously to potential investors when they perform their due diligence on your company.
Many founders of limited companies don’t realise that it’s not just their business at risk. Business owners can personally face legal action, disqualification, fines or even prison sentences.
Having D&O insurance covers the costs of legal representation if your policy cover is triggered.
For further information about any of the above insurance policies please contact us today on 0333 321 1403
Protects against claims of alleged negligence in your professional services, advice and designs.
Protects against claims of injury to third-parties or damage to a third-party's property.
Protects your assets in the event of a claim. You may be held personally responsible for your business action and will have unlimited personal liability.