Professional Indemnity for Croatian Journalists and Editors

With professional indemnity insurance, Journalists and Editors from Croatia do not have to pay for professional mistakes with their private assets. The liability risks are enormous when publishing information, stories and pictures. As a journalist, you have the courage to tell the truth. Now thanks to the comprehensive coverage, you can keep your head free for research, interviews and writing while your professional risks are covered.
Professional Indemnity for Journalists
from € 133,10 net p.a.

Comprehensive Protection with Professional Indemnity for Digital Professions

  • Violations of personal rights and infringements of copyright or image law are insured.
  • Protection is provided in the event of a breach of confidentiality obligations.
  • Protection is provided against fines and compensation claims.
  • Global insurance protection (ideal for jobs overseas)
  • Protection in the event of property damage, personal injury and financial loss
  • Instant insurance protection with online sign up
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Indemnity Insurance Seal for your Principals

  • Individual and comprehensive insurance protection
  • High coverage sums for financial losses
  • No-claims evidence going back five years


Professional Indemnity Insurance for Digital Professions provides ideal protection for journalists and editors from Croatia. If errors occur in your daily work and you are confronted with fines and claims for compensation, your personal contact from is at your side to provide advice and assistance. We ensure quick processing of your case and forward all the information to the insurer. The insurer checks the compensation claim and pays compensation for damages if the claim is justified. Otherwise, the insurer defends against the claim on your behalf.

Protection in Case of Financial Losses

With Professional Indemnity for Digital Professions, violations of rights (copyright, trademark and licensing law) and the resulting claims for compensation are covered. If you are accused of violating confidentiality obligations or personal rights, you can also rely on the protection of Professional Indemnity for Digital Professions. The insurer bears the costs of examining and defending against claims (lawyer, expert and court costs) that are made against you (passive legal expenses insurance). Financial losses (e.g. due to technical errors or due to incorrect research) are also paid for by the insurer.

Personal Injuries and Property Damage Are Covered

If someone is injured or electronic equipment is damaged, the financial consequences can threaten the financial existence of freelance journalists and editors. Professional Indemnity for Digital Professions therefore also covers property damage and personal injury, through general and personal liability insurance, which you may cause during your professional activity. Did you drop the microphone that the editorial staff lent you? Your camera operator trips and injures himself because you gave incorrect instructions? In both cases, the insurer will step in for you and cover the high costs of a new microphone or medical treatment.

Protection Against Mistakes

The original sound recording cannot be used because the levels are too high, the photos are blurred, or the facts you researched turn out to be wrong. Even experienced journalists, reporters and editors make technical mistakes in the heat of the moment: It’s now wonder because there is always pressure to be up to date and the competition in the media landscape is merciless. With Professional Indemnity Insurance for Digital Professions, you are also covered in the event of slightly and grossly negligent mistakes.

Cyber Damage Is Covered

You work for a news agency and scour your email inbox for interesting press releases. You click on a link in an email that is supposedly from a press distribution list. However, the link turns out to be a phishing attack and the editorial staff’s computer is infected by a virus. The insurer bears the costs of cleaning up the system for you, because third-party cyber damage is also covered by Professional Indemnity for Digital Professions.

Additional Add-on for First-party Cyber and Data Risks Insurance (FPC)

With the optional add-on for First-Party Cyber and Data Risks Insurance (FPC), you can insure your own damage caused by viruses, hackers or data loss, for example. Third-party cyber damage is automatically covered by Professional Indemnity for Digital Professions. When you sign up for FCP, you benefit from the insurer’s network of specialists. In the event of a damage event, they will provide you with IT forensic experts, for example, who will take care of cleaning up and restoring your computer systems.


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Professional Indemnity for Digital Professions Comprehensive Protection for Journalists in Croatia

The speed of the media world requires you to produce content quickly, correctly and in a way that speaks to your target group. The boundaries between research, writing, image, sound and video continue to become complicated as several channels are usually filled with one message at the same time. It is all the more important that Professional Indemnity for freelance Journalists and Editors covers as many areas of responsibility as possible. Thanks to the blanket coverage for digital professions, overlapping activities are insured free of additional premiums (with the exception of tabloid journalists). You can work as a VJ {{in_capial}} today or Chief Editor in Split tomorrow with the reassurance that you always have comprehensive coverage from Professional Indemnity Insurance for Journalists and Editors.

Examples of Insured Activities:

  • Video journalist (VJ)
  • Photography editor
  • Moderator
  • Reporter
  • Press officer
  • Blogger
  • Chief Editor
  • Online editor
  • Correspondent
Indemnity Insurance for Digital Professions
Examples of Insured Areas:
  • Television
  • Radio
  • Print media
  • Press offices
  • Magazines
  • News agencies
  • Public relations in companies and authorities
  • Editing / online editing.
  • Newspapers
  • Broadcast

Why choose

  • Talk to a real person - no call centre!
  • We know what your daily worklife is like, meaning we know what you need
  • Our insurance conditions are tailored to your business
  • We handle your damages immediately
  • We make sure that your insured damage event is also resolved!
  • We also insure against unusual risks (e.g. contract liability, contract penalties)


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Croatian Journalists Beware: You May Be Subject to These Risks


Indemnity Insurance for Journalists

Potential Damage Events for Journalists and Editors

  • You are interviewing a passerby in the pedestrian zone in Zagreb on a political issue. The interview will be published in the newspaper. The respondent was mentioned by name in the article, but only consented to the interview provided that he remained anonymous. He alleges you violated his personal rights, and there is an expensive legal dispute.
  • You write an article for an online news portal and add relevant images to the post. However, you accidentally used images to which you don’t have rights. The author of the photos demands compensation from the news portal for the unauthorised use of the photos. The operator of the portal takes recourse against you for the damages incurred.
  • You are attending a press conference in Split and want to write a news item for an editorial. You accidentally knock over a camera operator’s tripod on location. The camera breaks and you are held liable for the property damage and the camera operator’s lost work.
  • A rat infestation has been reported in a well-known restaurant. You are writing a post about the incident. You confuse the restaurant with a restaurant of the same name in a neighbouring town. Because the restaurant loses customers after the report and sales collapse, the owner demands compensation from you.

Reviews for

Great service and support with the application. They really do everything right – that’s why customers become fans.
As a consultant in the field of (online) marketing, insurance coverage can save a life in the event of an emergency. When looking for a solution that would fit my professional field, I quickly came across exali. exali’s great reputation on the web prompted me to get in touch. The high level of understanding for my industry and the reliable, timely and personal contact from the start made me quickly sign a contract with exali. exali offers me insurance coverage that is tailor-made to my needs. My insurance through exali is an investment in the future of my company.
It’s good to know that you have such a strong and helpful partner if you ever need them! I would definitely recommend exali.
Matthias Kampmann, Managing Director
Dreikon OHG, exali customer since 2013
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
In tune with the times. I was finally able to find an insurer that offers modern services. The specialists at exali recognise the current needs of media professionals. The “financial loss” module which takes trademarks and copyrights into account, for example, is a must nowadays. Nevertheless, most insurers explicitly exclude it.
“Passive legal expenses insurance” helps when defending against claims and is “legal protection insurance” that is also included in the package. The “all-risk coverage” clause is a customer-friendly approach. The overall package offers excellent coverage for the price. And the service? Always available. Open. Helpful. Really refreshing! It actually makes “insurance” fun.
Jaroslaw Bieniecki
VISUAL EXPERIENCE FILMS, exali customer since 2013
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
Quick and easy claims settlement: Thank you for the quick and uncomplicated handling of the damage claim, which completely surprised me. But I still hope I won’t need to use your first-class service again anytime soon.
Thomas Görgens, designer and owner
Beachdesign, exali customer since 2012
I originally insured my activities through exali to protect myself against risks to the existence of my company. As a creative worker, the products are tailor-made for me.
I have actually seen now how you are actually at my side, competently and uncompromisingly, when I need your support. You and your colleagues have also been friendly and professional in our personal contacts. That is a foundation for a strong, long-term business relationship. Thanks a lot for that!
Michael Stein, owner
Bambule Webdesign, exali customer since 2012
As a self-employed SEO consultant, I am dependent on comprehensive insurance coverage. I could not bear the economic risks in online marketing, especially when advising large customers, without the limitation of liability or gigantic reserves.
So I’m extremely happy to have found the right partner in exali, who knows and understands my needs and offers me the support I need as a sole proprietorship without a large legal department behind me.
Kai Spriestersbach, owner
SEARCH ONE, exali customer since 2012
Thank you for the quick and uncomplicated settlement of the claim. This not only included payment of the damages, but also the legal assessment of the situation, which your lawyers carried out carefully with expertise. That saved us a lot of trouble with our customer.
Michael Odendahl, Managing Director
intertain GmbH, exali customer since 2013
If a claim is made for damages ...
... you need quick answers, unbureaucratic help and partnership-based thinking ...
... we’re in good hands with exali.
Thank you and keep it up!
Jürgen Zupancic, Managing Partner
Markt Control, exali customer since 2011
Dear Mr Galla, the legal dispute dragged on for almost a full year, and I was able to rely on very quick and friendly feedback from you at any time. Over the entire period I received excellent support and felt I was in the best of hands. I look forward to continuing to work with you in the coming years. Thank you very much!
Johannes Benkert, Managing Director
We Make It Easy UG, exali customer since 2013
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

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