Professional Indemnity for Digital Professions

Exclusions in the Scope of Insurance

As with every insurance contract, certain exclusions and limitations of benefits apply to this contract, including:

  • Claims due to knowing breach of duty, in particular knowingly deviating from laws, regulations or instructions of the principal.
    You are not insured if you intentionally – i.e. knowingly – violate contractual agreements or laws (slightly or grossly negligent violation of, for example, the rights of third parties is of course insured).
  • Claims due to fines, sanctions and individually agreed contractual penalties (unless it is a contractual penalty due to the breach of confidentiality obligations).
  • Provision of the owed service, subsequent performance and improvement (whereby the customer’s claim for compensation due to non-performance / poor performance is fully insured!)
    This means that you will not receive any reimbursement of your wages or your fee if you have not yet completely performed the service agreed with the customer.
  • Special costs for product recall
    However, claims for damages from third parties due to a defective product (e.g. hardware or software) are insured.

Example of Limitations of Benefits:

  • Compensation will only be paid if the liability claim or first-party claim exceeds the agreed deductible.
This is not an exhaustive list of the exclusions. For complete information, we ask you to familiarise yourself with the agreed insurance conditions.