Professional Indemnity for Digital Professions

IT indemnity insurance - the better
from € 133,10 net p.a.

Professional Indemnity for Digital Professions

Security for Your Professional Activity

As an IT service provider, media worker or consultant, Professional Indemnity Insurance for Digital Professions provides you with comprehensive coverage against the risks that you face as a result of your professional activity.
This professional indemnity insurance covers financial loss as well as personal injuries and property damage so that you are comprehensively protected against damage and claims for compensation by third parties. The insurance covers third-party cyber damage and infringements of rights.

At exali.com, you can easily apply for your professional indemnity insurance online and receive your insurance policy directly in your ‘My exali’ customer area.

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Advantages of exali.com
  • Immediate insurance confirmation
  • Personal support even in a damage event
  • Over 10 years of experience
 
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Why should you take out a Professional Indemnity Insurance for Digital Professions?

As an IT freelancer, media professional, consultant and service provider, you bear high risks when you conclude framework and project contracts (as work or service contracts) with principals directly or through project brokers. Often, extensive contractual obligations such as deadlines, confidentiality and data protection are imposed on you. This results in numerous damage risks for which you as a freelancer and self-employed person are usually liable with your private assets. This can threaten your professional existence.
Taking out Professional Indemnity Insurance for Digital Professions minimises this industry-specific liability risk and offers you comprehensive protection against financial consequences. Professional indemnity insurance is therefore essential to hedge your independence.

Advantages of professional indemnity insurance

  • Minor and gross negligence coverage
  • Comprehensive protection against claims for compensation
  • Contract penalties due to the breach of confidentiality obligations are also insured
  • Damages caused by delay and lost sales of your customers are insured
  • Insurance coverage for international customers
  • Worldwide insurance coverage
  • Legal protection function including criminal proceedings
  • Patent infringement is also insured
Why should you take out an a general and personal IT liability insurance plan?

Professional Indemnity Insurance for Digital Professions

Basic coverage

Reliable protection for your business: In particular, insures financial damage / property damage to third parties (e.g. principal) such as programming errors, data loss, violation of rights, etc.

Extended base

Protection against personal injuries and property damage: The general and personal liability insurance protects you, among other things, in the event of loss of keys, damage of items in the care of or rented by the insured person and personal injuries caused by your professional activity.

Optional add-on module

Protection against cybercrime and hacking: With the freely selectable add-on First-Party Cyber and Data Risks Insurance (FPC) you can protect your business from the consequences of damages caused by cyber crime.

Tasks of Professional Indemnity for Digital Professions

In the case of a damage event, the Professional Indemnity Insurance for Digital Professions takes over the complete processing for you - from the examination of the claims to their defence or the assumption of the costs.

Review of claims

Assessment whether and to what extent you, as the service provider, have an obligation to pay for compensation.

Compensation payment

If the claim for compensation is justified, the damage will be paid (up to the insured amount minus deductible)

(Passive) legal protection

Unjustified or excessive demands, warnings and omissions will be rejected on your behalf.

Minimising your risk as a business professional

Professional indemnity insurance significantly reduces the entrepreneurial risk of your business.

Frequently Asked Questions about Professional Indemnity Insurance

A Small Selection of the Insurable Activities

IT Services
  • Database developer
  • Open source developer
  • Programmer
  • Software engineer
  • Computer scientist
  • Web developer
  • Java developer
  • App developer
  • Hardware developer
  • Provider/telecommunications service provider
  • Service provider
  • Internet provider
  • Internet agency
  • IT service provider
  • Expert
  • Data manager
  • IT Manager
  • Project director
  • Network administrator
  • Network supervisor
  • System administrator
  • Network specialist
  • IT specialist
  • Software dealer
  • License dealer
Media Services
  • Author
  • Content agency
  • Photographer
  • Freelance journalist
  • Freelance copywriter
  • Full service agency
  • Graphic designer
  • Graphic artist
  • Illustrator
  • Influencer
  • Internet agency
  • Marketing agency
  • Media agency
  • Media designer
  • Media company
  • Editor
  • SEM agency
  • SEO consultant
  • SEO agency
  • Social media consultant
  • Social media agency
  • Web designer
  • Web developer
  • Advertising agency
Consulting Services
  • Management consultant
  • Management consultant
  • (Senior) Consultant
  • Business analyst
  • Strategy consultant
  • Organisational consultant
  • HR consultant
  • Personnel service provider
  • Temporary employment
  • Recruiter, headhunter
  • Interim manager
  • Project manager
  • Energy consultant for private households
  • Marketing consultant
  • Market researcher
  • Pollsters
  • Quality manager, auditor
  • Lecturer, trainer, coach
  • Mediator, moderator
  • Family advisor
  • Marriage counsellor
Other Services
  • Accounting assistant
  • Accountant
  • Office service company
  • Call centre service provider
  • Detective agencies
  • Nutritionist
  • Fitness trainer
  • Payroll service
  • Appraiser
  • Wedding planner
  • Motor vehicle expert
  • Mental coach
  • Expert
  • Secretarial activities
  • Virtual assistance
  • Zumba teacher