If you are a Marketing or Advertising Consultant seeking cost effective professional indemnity insurance from someone who understands your business, we can help you.

All of our quotations are individually underwritten so you can be sure that the premium reflects your unique circumstance.

Our policy is specifically tailored for marketing, advertising, PR, design and communications specialists.

Typical claims:

• Advertising space booked for wrong period causing missed sales opportunities,
• Direct Marketing incorrectly addressed or incomplete mailing packs,
• A Consultant not fully understanding their client's organisation and advising on unsuitable measures,
• Misspellings in publicity material or product price incorrectly quoted,
• Errors in publication including libel & infringement of copyright.

We understand the unique relationship you as a professional have with your client. In addition to providing a very wide base of cover our policy includes ‘mitigation of loss’ designed to protect your commercial relationships.

Within our mitigation of loss cover, to avoid a larger valid claim being made where a project has gone wrong:

• We will pay the fees due to you where your client refuses to pay.
• We will pay the subcontractors you are committed to paying.

For further information on the cover we provide please click on ‘Marketing Advertising & Communications Fact Sheet’ opposite.

All Professional Indemnity Insurance is on a claims made basis, that means you must have an active PI policy at the time a claim or allegation is made against you. It is important to remember that once a PI policy expires you can no longer make any claims against it. Therefore you need to consider maintaining your PI insurance once you cease trading. This is called Run-Off Insurance and provides protection against any claims which may arise from work you undertook in the past. Some professional Institutions require their members to carry Run-Off insurance.

Run-Off is an annually renewable policy, the premiums will usually reduce each year to reflect the reducing exposure to insurers.