Written Warning: How to Properly Protect Yourself

A written warning can happen quickly: An incorrectly labelled picture, a faulty legal notice or the incomplete data protection declaration on your website or that of your customer, and before you know it, you’ve got a letter from a lawyer.

In the event of a written warning, the financial loss liability insurance through exali.com properly protects you. Thanks to the integrated passive legal expenses protection, the insurance helps clarify the liability issue and fends off unjustified claims. The resulting costs and possible compensation payments are also covered by the insurance.

Protection Against Written Warnings at a Glance

Protection in the event of a written warning due to an incorrect imprint
Protection against written warnings due to copyright and trademark violations
Coverage for warnings due to infringement of free competition laws
Protection against publication risks, for example on websites, blogs or in social media
An integral part of every exali.com financial loss liability insurance
Personal support from our team of experts

Reviews on exali

Taking out insurance with exali was super easy and quick. The information is clear, the terms and conditions seem up to date, and changes can be easily updated digitally. I haven't had to make a claim yet, but the service and processes seem very structured and professional.

Harald Köppe | Managing Director

freelando GmbH (freelando.de) – Freelancer/Project Marketplace & Community

freelando.de

Clear digital processes and transparent prices are essential for us. exali shares this commitment and has been a reliable partner of ours for many years. From personal experience with previous projects, I can say that claims are resolved quickly and easily with exali.

Adam G. Butkiewicz | Director

Cypruslimited.com, exali customer since 2015

www.cypruslimited.com/

Our professional indemnity insurance through exali offers straightforward digital policy management, quick accessibility, and modern insurance terms tailored to our business model. We particularly appreciate the flexibility to add new activities and modern job functions to our coverage without having to deal with complicated policy changes.

Armin Haller | QualityOne – pure play testing

QualityOne, exali customer for 4 years

www.quality.one

As a content creator and online entrepreneur who likes to try new things and spends a lot of time on social media, it's easy to get into trouble. Since I generally prefer to play it safe, good insurance coverage is all the more important to me. With exali, I have found an insurance company that supports me in the event of potential warnings and also protects my private assets. My contacts at exali are always helpful and reliably available to answer any questions I may have.

Max Schön | Content Creator and Online Entrepreneur

https://www.youtube.com/@Max_Schoen

www.tvmixmax.com

What I particularly like about exali is the modular structure of the insurance policies, which allows me to tailor my insurance coverage perfectly to my current project situation. Changes and adjustments can also be made during the year. In addition to the various job profiles, in which the most important insurance components are automatically suggested, the simple digital conclusion rounds off the very positive overall picture.

Dirk Kretschmer | Principal Program- and Project Manager IT

DKIT Consulting, exali customer for 3 years

www.dkitconsulting.de

„There are not many companies that you can trust without hesitation. Exali is different. Even before signing the contract and afterwards, there is complete transparency and the agreement is tailored to individual needs until you are satisfied. This is crucial, especially if you work in legally sensitive areas.

Since becoming a customer, I have been recommending Exali to my friends and acquaintances with complete conviction, not least because of the excellent advice provided by Ms. Sandra Löhning and the uncomplicated claims settlement process."

Martin Fiedler, owner FINANZSACHE

finanzsache.com, exali customer since 2020

https://finanzsache.com/

As a freelance novelist, it was important for me to find an insurance provider that really suited my needs. At first, it wasn't easy to find the right insurance. However, when I came across exali, it quickly became clear that exali was the right choice for me.
The Professional Indemnity Insurance is clear, offers great value for the price, and covers my work perfectly, even going beyond that if I want to branch out into other areas in the future. After a while, I contacted the friendly and competent customer service team about a contract adjustment. It turned out that the insurance is also very flexible, which was a pleasant surprise.
I would also like to highlight the blog section. There you can find helpful information on important legal changes and react in a timely manner if necessary. This is a great support for self-employed people.
I hope I never have to use the service, but I am still very happy to be insured with exali. Thank you very much!

Szabolcs Vaszily | Freelance Author

I consider exali to be partly responsible for my good night's sleep. Thank you for that. With exali, we always have a reliable partner at our side who takes care of all our insurance matters, especially when we really need it. For a long time now, and for a long time to come. Excellent!

Jan Imhoff | Managing Director, Strategic Advisor

Agentur 22, exali customer since 2015

agentur22.de

exali won me over immediately. Great customer service and excellent advice. My consultant provided me with valuable tips. I feel that they truly understand me here! Other insurance companies were overwhelmed by my self-employment and therefore did not respond to me at all.

Agency owner Isabella Örtülü

isi-Netzwerkagentur, exali customer since 2025

www.isi-netzwerkagentur.de

With exali, we’ve found a partner that finally makes insurance understandable, straightforward, and digital. Excellent service, fast response times, and absolute professionalism – exactly what entrepreneurs need.

Markus Kellermann | CEO

MAI xpose360

https://www.xpose360.de/

Many call themselves insurance brokers, but don’t act like it! That’s exactly what I want to highlight about exali. Compared to the standard coverage offered by German insurers, there’s really no need to think twice when it comes to scope of coverage and premiums, based on my experience so far. I haven’t had a claim during this time, but I’m confident that the claims process would be just as fair and straightforward.

exali offers a clear and very affordable service package, an easy and self-explanatory online process, and in special cases, there’s always a competent employee who takes care of things just in time.

Heinrich Wiker

WIKER der Vermittler, exali customer of 15 years

https://www.wikerdervermittler.com/

I am really very positively surprised by the competence and reliability shown by exali. My claim was settled quickly and easily with perfect service. I really would recommend this insurance to everyone. Many Thanks!

Sören Zschoche, Co-founder / Managing Director

Ajaska GmbH, exali customer since 2013

modezoo.de

exali has been looking out for us for over 6 years, and we feel we are in very good hands. When a damage event occurred, it was clarified quickly and handled without complications. We would recommend exali without reservation and have already done so several times!

Simon Eberhardt, Managing Director

ideenhunger media GmbH, exali customer since 2012

www.ideenhunger.com

After the damage event was reported, the case was resolved and settled within a week. Thank you for the quick and uncomplicated help and the great advice! We definitely recommend exali! The personal contact is great. Kind regards from the hazel team

Bianca Wengenroth

hazel, graphic + design, exali customer since 2010

www.hazel-design.de

After a long search for insurance for my work as a virtual assistant, I came across exali. The consultation was very detailed. I was given excellent advice on my premium rate as well as honest information about what I did and did not need. It really impressed me. Whenever I have questions, I always get good advice quickly. The damage claim was processed quickly and easily. I am very satisfied and would recommend exali to everyone.

Tatjana Wolf, Managing Director

Virtual assistant for coaches, consultants and startups, exali customer since 2018

https://office-management-3.jimdosite.com/

eKomi ratings

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Which Written Warnings Does Financial Loss Liability Insurance Protect Against?

A warning is issued because a third party (for example the creator of a picture, a consumer protection association or a competitor) sees their rights violated and is thus claiming damages for financial loss. With the financial loss liability insurance via exali.com, you are always on the safe side.

Copyright Infringement

Did you use an image illegally or forgot to add the copyright notice? Then a written warning can quickly charge you with high claims for damages. Cleverly pre-formulated cease and desist statements can lead to further claims for damages. The financial loss liability insurance from exali.com will not let you down in the event of a copyright infringement.

Trademark Infringement

There are many pitfalls in trademark law that you can stumble across in day-to-day business. Often it is not even clear to freelancers or the self-employed that a term is registered as a trademark. A trademark dispute can be lengthy and expensive. The financial loss liability insurance through exali.com helps you clarify the question of guilt and takes over possible compensation payments.

Infringement of Free Competition

Unfair or misleading advertising, incorrect terms and conditions or an inadequate data protection declaration - various legal pitfalls also lurk in competition law. If competitors feel slighted or offended, you can soon expect a written warning in your mailbox. Your individual financial loss liability insurance via exali.com will also have your back here and protect you from financial disaster.

Domain and Licensing Rights

Rummaging through license agreements is no fun. Without prior legal knowledge, many clauses cannot be understood and the temptation to simply click on ‘accept’ is great - and with it the risk of violating rights. The consequences of such licensing violations can lead to financial disaster. The financial loss liability insurance through exali.com protects you against infringements of domain and licensing rights.

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Written Warnings: Two Real-life Damage Cases from exali

At exali.com, almost every day we experience numerous reasons why expensive written warnings end up in the mailbox in everyday business. Two cases from our experience:

Trademark Infringement: A Web Developer Unintentionally Gets into a Fight with a Tech Company

In this case, our policyholder - a freelance web developer - operated his website and his range of services via a domain, the components of which were registered many years ago by an American company as a world-famous brand. However, the web developer assumed that the terms of use for ‘resellers’ would allow it to be used.

An expensive mistake: The very first warning letter from a law firm specialising in trademark law had an invoice attached to it demanding over 6,000 euros, and the disputed amount was 250,000 euros. Thanks to his professional indemnity insurance, which covered the costs in connection with the written warning, the web developer was able to breathe a sigh of relief after the initial shock.

Copyright Infringement: Freelancer to Pay for Illegally Published Images

‘This must be a mistake!’ This thought shot through the head of a web designer when he received a written warning for 20 celebrity photos that he had allegedly published on his domain. He, however, saw these images for the first time in the lawyer's letter. After a bit of research, however, things became clear: The written warning is real, a hacker had manipulated the website and uploaded the 20 images including malicious code on the site - without the web designer noticing.

However, the reason for the violation of rights is irrelevant. The web designer is liable for the copyright infringement by his site, even if he is not directly to blame. The lawyer who represents the license holder demands almost 4,000 euros in compensation from the web designer for lost license fees and legal fees. It was good that the web designer was comprehensively covered by his professional indemnity insurance.