Combined PI and PL Insurance

Anyone can make a mistake, even professionals.

Hence you always need a safeguard in place to protect your reputation and cover you financially against any alleged mistakes. Whether it's a misinterpretation of your words or an issue with the duty of care at your place of work.

In response to these issues, we have combined Professional Indemnity (PI) and Public Liability (PL) policies to provide comprehensive protection for authors.

What is Professional Indemnity Insurance?

Professional Indemnity Insurance protects your business from the legal costs and claims associated with allegations of negligence, professional misconduct, breach of duty or incorrect advice that you provide to a third party.

What is Public Liability Insurance?

Public Liability Insurance protects against the financial risks of being found liable for a third-party death or injury, loss or damage to property or economic loss resulting from your business activities.

Why do Authors need to combine PI and PL Insurance?

In an ideal world, you as an author or writer provide well-researched quality content to your client but writing is a complex process and it isn't always easy to measure it or to agree on quality. This nature of your work exposes you to a potential negligence claim, claims of plagarism or claims where a client does not deem your work suitable.

Or it might be the case that at your home/office you're found liable for damage to a person or property. Injuries to third parties cause by simple slips, trips and falls are a common source of public liability claims. These claims can also arise on a client visit to your home or premises, or during public events and speaking engagements.

What does this Insurance cover?

The combined PI and PL insurance policy typically covers:

• Payment up to the limit of liability for the professional risks associated with a Authors occupation, as compensation to a third party:
• Defamation, Libel and Slander
• Dishonesty of an Insured
• Fiduciary Duty
• Infringement of Intellectual Property Rights
• Privacy and Confidentiality
• Payment up to the limit of liability for the personal injury risks associated with an Authors occupation, as compensation to a third party
• Payment up to the limit of liability for the property risks associated with an Authors occupation, as compensation to a third party
• Defence costs

Key Features

The combined PI and PL insurance policy typically covers:

• Broad wording
• Industry based insurance tailored to Authors - including the written professional risk
• Multiple limits and options on cover to suit individual needs
• Worldwide cover
• Capped premiums
• All claims are locally managed

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Further Information

• Combined PI and PL Policy Wording
• PPIS Financial Services Guide

For any further enquiries, please don't hesistate to contact our friendly team of brokers who are licenced to provide you with personalised risk management advice.

The information provided is of a general nature only and has been prepared without taking into account your individual objectives, financial situation or needs. If you require advice that is tailored to your specific business or individual circumstances, please contact Coverforce directly.