Improved insurance for NUJ members!
IMAGING INSURANCE offers all freelances including "Image-makers" (photographers, photo-journalists, video and film makers) and "Writers" (journalists and authors), policies which are tailor-made to your individual needs. See below for details of how the policies have improved. They include:
Professional Indemnity Insurance: In these litigious times most freelances now consider Professional Indemnity Insurance, or "libel insurance" as many writers refer to it, an essential business protection.
"Writers" Professional Indemnity Insurance covers you for claims resulting from words you write and professional services you provide, such as PR and Media advice. This policy was devised specifically for NUJ members and provides cover for claims resulting from negligence, libel, slander, defamation, breach of someone else's copyright, confidentiality or privacy. Automatically included is cover for legal defence costs, so even if you are in the right and someone is just "having a go", the policy provides you with the back-up to prove it in court if necessary. Cover is provided for material published, for example, in newspapers, magazines, business publications, books, on websites (both yours and other people's), blogs, and social media including Twitter and Facebook.
As an NUJ member you get cover for all the material you have had published since the first day of your current continuous NUJ Membership and also free Public Liability Insurance with a limit of liability of £1 million.
Public Liability and Products Liability Insurance: Public Liability Insurance is offered with a choice of limits of liability of £1 million, £2 million, £5 million or £10 million. PL Insurance covers you if you accidentally injure someone or damage someone else's property, and is essential for any self-employed person or business.
"Image-makers" Professional Indemnity Insurance covers you for claims resulting from photo, video or film images if, for example, you fail to produce work to a professional standard for a client, or breach someone else's copyright, confidentiality or privacy.
Equipment and Business Property Insurance: Photo, video, film, computer and all other business equipment can be covered on a new for old or agreed value basis. And if you have your own premises, you can also cover business buildings, fixtures and fittings.
Employers Liability Insurance is a further option. Household Insurance is also available.
The NUJ members' policy provides professional indemnity and public liability insurance: it has now been extended to include the following additional protection against:
- Civil Liability policy basis (the previously policy was for allegation of negligence)
- An allegation of a breach of contract/duty under contract
- All flavours of defamation, including online defamation, as opposed to just libel and slander
- Confidentiality - covers personal privacy violation as well as confidentiality breaches
- Loss of Documents extended to include electronic documents and those attached to emails
- Worldwide Cover for claims brought against you in any jurisdiction (previously only claims in the EU were covered)
- Transmission of virus and breaches of network security that affect your clients
Best of all is that all these improvements to the NUJ members' policy are being provided at no extra cost.
Professional Indemnity Insurance, or "libel insurance" as many writers refer to it, "is an essential business protection in these litigious times" says Martin Swann, Divisional Director of Vantage Insurance Services Ltd. "I am pleased," he contunues, "that we have been able enhance the protection provided by our imaging and writers' products while maintaining a static cost for the members so they get the best value for the premium paid."
Writers' Professional Indemnity Insurance covers you for claims resulting from words you write and professional services you provide, such as PR and media advice. This new insurance policy has been created specifically for members of the NUJ. In addition to providing cover for claims resulting from an allegation of a breach of contract, negligence, defamation, breach of intellectual property (including copyright), confidentiality or privacy, the policy automatically provides cover for legal defence costs associated with such a claim/allegation. So even if the allegation is unfounded and is simply a case of someone "just having a go", the policy provides you with the back-up to defend your position as necessary and with the excess only applying if the allegation/claim is successful this defence is at no cost to yourself.
The standard policy provides cover for a variety of published material including newspapers, magazines, business publications, books, websites (both yours and other people's), blogs, and social media. With the worldwide cover now being provided it will cover you wherever this material is published, too.
The policy is also now payable by interest-free direct debit allowing you to spread the cost of your protection at no additional charge.
The policy can also be extended at an additional cost to include:
- Equipment (both office and portable)
- Employer's Liability
- Cyber and data breaches and interruption from such a cyber-attack or data breach
All of these can be placed under one policy and by the same Interest free direct debit.