Professional Indemnity for Finnish Proofreaders:
Extensive Coverage with Professional Indemnity for Digital Professions
- Corrections and errors of understanding are insured.
- Violations of rights (e.g. copyright) are covered.
- Protection against fines and compensation claims
- Protection is provided in the event of a breach of confidentiality obligations.
- Includes website and social media violations.
- Protection against slight and gross negligence
- Instant insurance coverage with online sign up
Professional Indemnity for Proofreaders in Finland: Insured Across All Activities
Protection for All Cases
Your focus as a proofreader is on orthography, punctuation, grammar and syntax. But even if you think outside the box and offer other services for your customers (e.g. advice on finding an agency and publisher or as the head of an editorial office), you are automatically covered by Professional Indemnity for Digital Professions thanks to the blanket coverage for your profession.
Examples of Insured Activities:
- Content creator
- Media advice
- Web designer
- Social media manager
Professional Indemnity and Legal Expenses Insurance: The Differences
With professional indemnity insurance, you are protected in the event of professional errors and the resulting claims for compensation or fines. As part of passive legal expenses insurance, the insurer checks whether claims made against you are justified and reasonable or not. If the claims are justified, they will be paid, otherwise you will be defended. You can choose the amount of coverage you want for your specific occupational risk and add additional add-ons for protection. That means you are always optimally protected, even as your business grows.
In the event of a claim, the insurer takes over the processing and you do not have to deal with the other party yourself. Since the insurer pays for the damages, the insurer has a self-interest in limiting the damages as much as possible. The insurer defends you against the claim (court, lawyer and expert costs are covered) or they provide compensation in the event of justified claims for compensation. Either way, you benefit.
Legal Expenses Insurance
In contrast to professional indemnity insurance, legal expenses insurance does not pay for compensation claims. Legal expenses insurance is actively oriented and covers, for example, the court and legal costs for you if you want to take legal action against someone (e.g. because someone has damaged your company property and you want compensation). If, instead, claims for compensation are made against you due to a mistake in your professional activity, the passive legal expenses insurance included in your professional indemnity insurance is responsible for defending against such claims.
The Legal Expenses Insurance covers the costs of legal advice and conflict resolution through mediation. Depending on the scope of services, you can also have your business documents, such as general terms and conditions or contracts, checked by a lawyer and so you avoid errors in documents that can lead to fines. Therefore, Legal Expenses Insurance for freelancers and self-employed people can be a useful addition to Professional Indemnity; however, it is no substitute for it.
Attention: Liability Cannot Be Excluded in the Terms and Conditions
Many freelancers believe that legal expenses Insurance is sufficient, as indemnity can be excluded in their terms and conditions. Professional indemnity insurance is often seen as superfluous in this case. However, this is a mistake: Liability can only be limited in the terms and conditions, but not excluded. As a freelancer, you are responsible and liable for professional mistakes. That means you are only protected from the expensive consequences of professional mistakes with professional indemnity insurance.
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