Professional indemnity insurance

IF AN employed journalist has something published that leads to a court case, the publisher certainly ought to defend it. As a freelance, you are much more likely to be left in the lurch. So the NUJ has negotiated a deal on Writesure cover for members with Jensten insurance brokers.

Professional Indemnity insurance covers you for legal costs incurred if your business is found to have provided a service that causes a client to lose money. This is mandatory on all policies.

Previously published work: While Writesure cannot cover you for problems you already know about, the cover does apply for work you have produced since your NUJ membership started.

Future liabilities: Writesure also provides you with cover after you have stopped producing new work, for example if you retire or are unable to continue working due to ill health. The standard cover continues for 12 months after the end of the policy year in which you stop producing new material, but you can choose to extend this period if you wish.

To get an individual quote, please visit bit.ly/LFBwritesure – where you can also find details of public and products liability, portable business equipment, home based business equipment and employer’s liability cover; or call 01903 444 951.

In general, the Freelance Office would recommend that you take advice before committing to any insurance policy.

Writing Insurance for the National Union of Journalists Jensten