Professional Indemnity Insurance:
Comprehensive Protection for Content Creators

Yes, the insurance cover applies across all your channels and platforms, whether you produce video, audio or written content. This is because Professional Indemnity Insurance from exali generally includes open occupational coverage (all-risk cover). This means that all activities and services you offer within your insured professional field are automatically covered.

Annual premiums for Professional Indemnity Insurance for content creators start at € 170,60 net p.a. for the basic option. The actual premium depends on several factors, including your turnover in the previous year, your chosen sum insured (€ 300,000 or € 3 million), the policy term (1 year or 3 years), any optional add-on modules you select, such as the D&O External Liability module and whether you qualify for and make use of available discounts, such as the start-up discount.

Professional Indemnity Insurance also includes cover for certain first-party losses, including:

• Costs arising from third parties modifying or blocking your own website
• Loss of work documents, including electronic files
• Fidelity losses caused by your own employees
• Losses resulting from fake president fraud, phishing emails and other incidents

All exali customers can also contact us directly and personally with questions before taking out insurance, throughout the policy term and in the event of a claim. We work without call centres or waiting queues. Instead, our customers receive support from experienced specialists who draw on more than 15 years of experience and expertise gained from serving over 25,000 active customers.

The policyholder is covered, regardless of whether they are a natural person or a legal entity. In addition, all persons listed in Section C of the insurance conditions are also insured.

Professional Indemnity Insurance for content creators through exali covers you and the employees working in your business. This includes:

• Legal representatives of the policyholder
• Managers and other employees, marginally employed workers, volunteers, apprentices, trainees, interns and working students
• Temporary agency workers integrated into the policyholder's business operations and freelancers (natural persons)
• Shareholders, limited partners, partners, supervisory board members and advisory board members (natural persons), provided they act in the name and on behalf of the policyholder

Insurance cover also applies to third-party liability claims against insured persons arising from the engagement of external companies or subcontractors. However, the personal liability of these external companies, subcontractors and their employees is not insured.

The following companies are covered: The policyholder and its subsidiaries, branches and offices located in Germany, the European Economic Area (EEA) and the United Kingdom (UK). Subsidiaries outside these territories are covered if they are explicitly named in the insurance policy.

Even if it is difficult, the first thing you should do when a claim occurs is stay calm. Contact our exali customer service experts by phone on +49 (0) 821 80 99 46-0 or by email at info@exali.com. Together, we will discuss the next steps, gather all relevant information and forward it to the insurer.

The notice period is one month before the end of the insurance year. exali offers policy terms of either one year or three years, with a 10% discount for the three-year option. If the cancellation deadline is not met, the insurance policy automatically renews for another insurance year.

However, you have the right to terminate the policy early in the following cases::

• An increase in premiums without a corresponding adjustment to the insurance benefits (this does not include adjustments due to increased turnover or the expiry of the start-up discount)
• Discontinuation of your professional activity (e.g. a freelancer becoming a permanent employee)
• Following the settlement of a claim

Any overpaid premiums will be refunded on a pro-rata basis where applicable.

If you temporarily pause your business activities, your insurance cover remains in place as usual. This is important because customers or clients may still make claims against you after a project has ended. If you permanently discontinue your professional activities, you have the right to terminate your insurance policy early, effective from the date you notify us that you have ceased trading. Any overpaid premiums will, of course, be refunded.