Publishers Insurance

Professional indemnity covers negligent, error or omission, services or advice which leads to a client’s financial loss including legal fees.

Covers typically include protection against:

• Defamation or harm to reputation
• Unclear contractual responsibilities leading to financial loss
• Breach of contract which could be a dispute with a customer, or a third party is resulting in a legal matter (subject to an exclusion of onerous liability accepted under contract)
• Copyright infringement (third party) your customers intellectual property
• Breach of confidentiality / invasion of privacy

Public and products liability insurance should ideally be purchased together with Professional Indemnity cover. Our policy packages these aspects together to ensure there are no gaps in cover.

Employers’ liability cover is a legal requirement and should be included if you have an employees. This can offer protection against statutory liability for death, injury or disease to employees arising in the course of their employment including while working off-site.

Between the back-and-forth revisions, design adjustments, formatting errors and so on, it’s easy for things to go wrong and to realise too late in the process to fix it.

If you find that you’ve sent an incorrect version to the printers, you could find that you are left with stock which you are unable to sell.

As part of our publishing insurance, we offer free legal advice on issues such as claims, PR crisis management, debt recovery, tax and VAT advice and general business and legal advice.

In addition to our standard package. We can offer property insurance to cover a number of risks included:

• Buildings
• Plant machinery
• All other contents
• Stock (including goods held in trust)
• Business Interruption (including loss of revenue / loss of gross profit)
• Equipment outside of the premises

As most businesses are ever more reliant on technology, the risks from suffering a loss related to problems with their computer systems, or holding sensitive customer data, continue to grow. In addition to the standard package we can provide a Cyber Insurance extension within your policy.

Typical covers include:

• Breach Response Services are provided because of an actual or reasonably suspected Data Breach or Security Breach
• Ransomware – Cyber extortion the biggest exposure, pays for the restoration of your system, after a breach, these costs including the payment of the ransom (where it is deemed necessary) can be considerable
• First Party Loss (Own Damage) including loss of profit and or revenue.
• Reputational Damage i.e., how to manage and correctly deal with stakeholder’s customers, employees, suppliers, (PR), Regulatory bodies (ICO)
• Liability (Third Party) if a breach impacted other outside entities and are you legally liable e.g. unintentional transmission of a computer virus
• eCrime (Cyber Crime, Social Engineering) – Where funds have been sent fraudulently, costing the business

Directors and Officers Insurance protects your personal for legal costs and awards in defending civil, criminal, regulatory claim or investigation.

It also covers you for defence costs incurred relating to civil, criminal, regulatory claim or investigation against the business (Corporate Legal Liability).

We can also include Employment Practices Liability which protects the business for claims from current and former employees alleging a breach of employment law (unfair dismissal).

Your own new ideas or concepts that can be commercialised need to be adequately protected against copyright infringement. This includes over to protect the patents, trademarks, copyrights, and other intellectual property that makes your business competitive and successful.

Our policy covers the defence of patent and all other IP infringement claims being brought against you, including legal costs, damages, settlements and counterclaims.

The cost of for Pursuit of infringers is complicated and expensive, this policy provides this protection.

Investment in intellectual property costs a great deal. If a right is invalidated as a consequence of infringement action, this policy can repay that investment allowing your company to move onto the next project.

This cover can be provided on a Worldwide Basis.