Professional Indemnity for Digital Professions
Professional Indemnity Insurance in Poland
exali's Professional Indemnity Insurance for Digital Professions provides comprehensive coverage for you as a freelancer and your business in Poland.
- Comprehensive protection against damage claims
- All-risk coverage for the IT, media and consulting sector
- Worldwide insurance coverage
- Third-party cyber damage is covered
- Personal support without call center
Quick Facts About Professional Indemnity Insurance
Indemnity Insurance Seal for your Principals
- Individual and comprehensive insurance protection
- High coverage sums for financial losses
- No-claims evidence going back five years
Every Freelancer in Poland May Need Professional Indemnity
In general, freelancers in the IT, media or consulting sector are not obliged to take out professional indemnity insurance. Nevertheless, it makes sense to take out insurance for your business in Poland, as freelancers in particular are threatened by high financial risks. Warning letters due to infringements of the law, consulting errors or cyber-damage happen more often and quicker than expected. As a Polish freelancer, you are liable to the extent of your personal assets for any claims for damages by third parties.
Show Your Liability Insruance to Customers
When awarding a project, clients often require proof of professional indemnity to cover potential risks. After taking out Professional Indemnity Insurance from exali, the Liability Seal is made available to you. So you can show your clients that any damages are well covered as soon as they visit your website.
What Are the Main Risks for Freelancers In Digital Professions?
The Biggest Risk for Freelancers - Financial Losses
The main risks for freelancers in the IT, media or consulting industry in Poland. are so-called financial losses. A financial loss occurs when a third party, for example your client, suffers a financial disadvantage due to professional mistakes. Almost 80 % of the damage claims reported to exali number among these.
From Server Breakdowns to Legal Infringements
One example for this is a loss of sales by your client due to a faulty server update that paralyses the online shop and for which your are held responsible. However, financial losses can also include consulting and planning errors, project delays and warnings due to legal infringements (e.g. competition law, image law, copyright law, etc.). Even if you unintentionally passed on a virus to your client's systems that caused damage would be a financial loss exali's Professional Indemnity Insurance would cover.
What Does Professional Indemnity Insurance Do in the Event of a Damage Claim?
A damage claim in Poland is always annoying and can quickly threaten your financial existence. With exali you are in good hands and have a personal contact person from exali customer care in the event of a claim. We take care of the professional handling of your case. During the process you benefit from the following services of your Professional Indemnity Insurance:
Verification of Damage Compensation Claims:
In the event of a damage claim, the insurer will check at its own expense wether claims against you are justified and if they are reasonable in amount. Rely on over 10 years of experience in handling professional liability claims.
Defence Against Unjustified Claims:
If the claim is unjustified, the insurer will defend it on your behalf. This so-called "Passive Legal Expenses Insurance" covers also the costs of proceedings if neccessary, for example lawyer's fees, court costs or expert costs.
Payment of the Compensation Amount:
Excessive claims, if they are actually justified, will be adjusted in their amount. If the claim is justified, the insurer will pay the compensation sum minus the deductible and up to the selected sum insured.
What Sum Insured Is Reasonable For Your Business in Poland?
The Main Factor For Your Sum Insured Is the Highest Damage Possbile
When choosing the sum insured for your Professional Indemnity Insurance, you should consider how expensive the highest anticipated damage in your business could be. Other important factors include the impoertance of your clients and the relevance of the project. If you are not sure which sum insured makes sense for your activity in Poland, our experts from exali customer suppoert will be happy to help you.
With exali your sum insured can be adapted at any time
exali's Professional Indemnity Insurance offers you a choice of several sums insured from € 100.000 to € 3.000.000 for financial losses and from € 2.000.000 to € 10.000.000 for property damages and personal injuries. Your advantage with exali: You can increase the insured sums of your Professional Indemnity Insurance at any time via the customer area "My exali". This migth be neccessary if your business grows, you receive a large project or your clients demand a higher sum insured.
In addition to the basic cover of exali's Professional Indemnity Insurance, you can protect your business against special cyber risks with an optional add-on.
Protection Against Cybercrime, DDoS Attacks and Viruses
The additional module "First-Party Cyber and Data Risks Insurance (FPC)" protects your own IT systems against the incalculable risks of hacker attacks, DDos attacks and other cybercrime. In the event of a damage to your own systems, the insurer provides you with IT forensic experts and supports you in restoring your systems as quickly as possible. Additional costs incurred, for example, for the use of third-party IT systems, are also covered.
What Does Professional Indemnity Insurance Cost in Poland?
How Your Insurance Premium Is Calculated
The minimum premium for exali's Professional Indemnity Insurance is € 133,10*. Your individual insurance premium is calculated on the basis of:
- Your annual net turnover (a higher turnover means a higher contribution)
- Your selected sums insured (higher sums mean a higher premium)
- If you have selected protection against cybercrime (FPC)
Benefit From Exclusive Discounts
As a business start-up, you also receive a discount of 15% during the first two years of your contract. Should you take out a 3-year contract, you will also benefit from a term discount of 10% per insurance year. In the premium calculator, you can put together your Professional Indemnity Insurance individually with just a few clicks and see directly how the individual items affect the premium.
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)
Which Persons Can Be Co-Insured in the Professional Indemnity Insurancein Poland?
What Are the Contractual Exclusions?
What Is the Minimum Contract Term for Professional Indemnity Insurance in Poland?
Where Is Your Business Protected by Professional Indemnity Insurance in Poland (Geographical Limits)?
How do I report a damage claim?
Which Professional Activities in Poland Are Covered by Professional Indemnity Insurance?
Professional Indemnity Insurance from exali automatically covers all activities typically performed by a Polish freelancer or a Polish company in the IT, media or consulting sector. This principle is called "All-risk coverage" - and it ensures that the insurance cover always automatically adapts to your business model. The only activities that are not covered are those that have been explicitly excluded in the insurance conditions.
A Small Selection of Activities Insured in the Professional Indemnity Insurance:
- Database developer
- Software engineer
- Computer scientist
- Web developer
- Java developer
- App developer
- Service provider
- Internet provider
- IT service provider
- IT Manager
- Project director
- Network supervisor
- System administrator
- IT specialist
- Software dealer
- Content agency
- Freelance journalist
- Graphic designer
- Marketing agency
- Media agency
- SEM agency
- Social media consultant
- Social media agency
- Web designer
- Advertising agency
- Management consultant
- Business analyst
- Strategy consultant
- Organisational consultant
- HR consultant
- Recruiter, headhunter
- Interim manager
- Project manager
- Energy consultant
- Marketing consultant
- Market researcher
- Quality manager, auditor
- Lecturer, trainer, coach
- Mediator, moderator
- Family advisor
- Accounting assistant
- Office service company
- Call centre service provider
- Detective agencies
- Fitness trainer
- Payroll service
- Wedding planner
- Motor vehicle expert
- Mental coach
- Secretarial activities
- Virtual assistance
- Zumba teacher