Professional Indemnity for Graphic Designers from Malta

As Maltese freelance web designer, you can protect yourself from the costly consequences of professional mistakes with Professional Indemnity Insurance. When creating graphics, logos or designs, mistakes can quickly happen and you may face fines for violations of rights (copyright, trademark and image rights). With Media Indemnity, the Professional Indemnity Insurance for Graphic Designers, you can protect yourself against the specific risks of the creative industry, so your head can stay free for your work.
 
Professional Indemnity for Graphic Designers

All-round protection with Professional Indemnity for Graphic Designers

  • Coverage in the event of infringements of rights (e.g. copyright, trademark or image rights and data protection violations)
  • Many activities are also insured free of charge (e.g. video production, design coaching, copywriting, blogging, etc.)
  • Third-party cyber damage is covered.
  • Protects against unjustified damage compensation claims
  • Insurance can be expanded with an add-on to meet your needs.
  • Favourable premiums (discount for business start-ups)
  • Instant insurance coverage with online sign up
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  • Individual and comprehensive insurance protection
  • High coverage sums for financial losses
  • No-claims evidence going back five years

Media Indemnity Insurance is the perfect insurance for graphic designers from Malta. In everyday professional life, mistakes happen quickly and can often result in high claims for damages. Whether you’re creating a promotional flyer in Adobe Illustrator for the local store or creating a new company logo: With Media Indemnity Insurance, you’re comprehensively protected in the event of professional errors. The insurer will investigate at its own expense whether claims against you are justified. Justified claims are paid, and unjustified ones are defended against. If there is a damage event, your personal contact from exali customer service is there for you and handles the claim quickly and professionally.

Financial losses are insured.

Did you create a logo that looks too similar to another? Did you use a colour scheme on a website that is protected as a registered trademark? If you have infringed someone’s rights, a claim for compensation is not long in coming. If you screw up a project for your customer, claims for damages can quickly threaten your company’s existence, especially for you as a freelance graphic designer. With Media Indemnity Insurance, you are protected in the event of financial losses. The insurer steps in for you and pays justified claims for damages. They also defend against unjustified claims.

Personal injuries and property damage are insured.

Have you rented office space? The integrated general and personal liability insurance covers damage to rented office space (e.g. loss of keys). Are you visiting your customer to discuss the details of a job? Personal injuries and damage to property are also insured in this case through Professional Indemnity. Regardless of whether you accidentally knock your customer’s laptop off the table or slam the door on an employee: The insurer pays for personal injuries and property damage and the cost of the replacement device or medical treatment. Thanks to global coverage, you are insured no matter where you are working.

Protection against third-party cyber damage

One wrong click and a virus spreads in the system or the website goes offline. Cyber damage can affect anyone. If you accidentally delete customer data or introduce malware, you can be liable for the resulting costs with your private assets. Whether it’s hacker attacks, ransomware or data losses: Media Indemnity Insurance will step in for you in the event of third-party cyber damage. The insurer assumes the costs for cleaning up the affected systems and for data recovery, as well as for the damage caused to third parties.

The optional First-party cyber and data risks insurance (FCP) add-on also covers first-party claims caused for example by viruses, ransomware or hacker attacks. The insurer provides you with IT forensic experts, specialised lawyers or PR consultants to avert any damage to your image.

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Professional Indemnity Insurance for Maltese Graphic Designers: As flexible as your work

As a graphic designer, you are at home in Adobe Creative Cloud. You not only rely on Photoshop, Illustrator and InDesign, but also offer your customers other services. Whether you write the editorial texts for the website yourself or take photos of products: Professional Indemnity for Graphic Designers includes job descriptions and therefore covers all activities that are not explicitly excluded in the insurance conditions. This allows you to stay as flexible as possible while still having comprehensive protection.

Examples of insured activities:

  • Editor
  • App developer
  • Photographer
  • Media designer
  • Web administrator
  • SEO consultant
  • Blogger
  • Web designer
Graphic Designer Indemnity

Professional Indemnity for Maltese Graphic Designers: Add-ons

 

First-party cyber and data risks insurance (FPC)

Third-party cyber damage is covered by Professional Indemnity for Graphic Designers from Malta. Your own systems can also be attacked by hackers or infected by malware. With the Data protection and first-party cyber and data risks coverage (FCP) add-on, you are protected against the financial consequences of viruses, ransomware or data loss. The insurer pays the costs for IT forensics specialists who rid your systems of the malware and try to restore the lost data. The costs for the use of third-party IT systems and the reimbursement costs in the event of blackmail are also covered. The insurer strives to get you back to work as quickly as possible.

Withdrawal of the principal from a work contract (RPC)

If you work on a work contract basis, you always have the risk that the principal will withdraw from the contract in the event of “poor performance”. In this case, both contracting parties are treated as if the project had never existed. This means you have to pay your wages back to the principal and cancel open invoices. In return, you will receive back all services rendered (e.g. graphics, program code, etc.). With the Withdrawal of principal from work contract add-on, you are covered in the event that they withdraw. The insurer first checks whether the principal’s withdrawal is justified. If it is justified, the insurer reimburses you for lost expenses (e.g. material and personnel costs including your own wages).

First-party claim insurance for printing damage (DES)

As a graphic designer, you may also provide comprehensive services for your customers. Example: A customer commissions you to create a flyer for the opening of a new nightclub. They want you to design the advertising flyer and deliver it to them already printed. Since you, and not your customer, place the print order with the printer yourself, you are responsible for the costs in the event of errors (e.g. reprinting due to a typographical error in the flyer). The First-party claim insurance for printing damage (DES)) First-party claim insurance for printing damage (DES) add-on also covers first-party damage that you may incur when placing print orders, producing advertising measures (e.g. merchandising items) or distribution orders for advertising and advertisements.

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Why choose exali.com

  • 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)
Professional Indemnity Insurance for Graphic Designers
  • Your customer has changed companies and would like to take this opportunity to have their business card redesigned. You give their business card a new and more modern design, but forget to include the new address. Unfortunately, since the error is only noticed after printing, you have to pay for the costs incurred.

Risks for graphic designers: Examples of damage

  • You are asked to design an advertising catalogue for a customer in Valletta. You create the catalogue in the company’s corporate design and insert images from a supposedly open-access database. It turns out that the images are copyrighted and you don’t have the licensing rights you need. As a result, the company receives a for breaching the licensing rights. The site operator sues your and demands compensation for damages.
  • You create a new company logo for your customers. After a few design rounds, the final draft is ready. A few months after the new logo is being used, a company lawyer suddenly came forward with a fine and a claim for damages. The logo allegedly violates the trademark rights of the attorney’s client in Senglea. Your customers have to pay the fine and the claim for damages and also sign a cease-and-desist declaration. They demand you reimburse them for the costs. In addition, you have to adapt your customer’s logo so it is no longer a trademark infringement.

Reviews for exali.com

 
 
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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