Professional indemnity
- Libel, slander and unlawful publication
- Infringement of copyright and image rights
- Cost of defence in interim proceedings and corrections
Publication risk · AVB · cyber
In media and journalism the biggest risk lies not in your equipment but in what you publish. Professional indemnity insurance is therefore the centre of gravity, with AVB and cyber around it.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
Anyone who publishes runs a risk other business owners do not know: a claim about the contents of your work. An accusation that turns out not to stand up, a portrait used without consent, images for which there is no licence. The injured party usually bases the claim on tort (Article 6:162 of the Dutch Civil Code) and demands a correction and compensation.
That loss is pure financial loss: there is no injury and no damaged property. An ordinary public and employers' liability insurance does not cover it. For that you need professional indemnity insurance with an insured capacity that expressly names publishing, editing or issuing, including the cost of defence in interim proceedings.
The AVB is still needed for the physical work: injury to an extra, a lamp falling over, damage in a rented studio. And because editorial teams work with source files and subscriber data, a cyber insurance belongs in the assessment.
Every sector carries its own risks. We translate those into cover that genuinely fits what you do day to day, rather than a standard package that just happens to apply to your business too.
Sectors
Tailored
CoverWhat you publish, what you do and what sits in your systems each call for a policy of their own.
Claims about the content of your publications and your editorial work.
Injury and property damage during filming, events and site visits.
Help and cover after a hack, ransomware or a data breach in your archive.
What is covered
| Situation | AVB | Professional indemnity |
|---|---|---|
| Injury to an extra from falling equipment | Yes | No |
| A claim after a publication that turns out to be unlawful | No | Yes |
| A payment for using images without a licence | No | Provided that |
| The cost of defence in interim proceedings about a correction | No | Provided that |
| Theft of camera equipment from your van | No | No |
| A fine from a regulator or a penalty imposed | No | No |
What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
Two points that make the difference when you claim.
Your policy only covers work that falls within the described business activity. If it says 'content production' while you publish investigative journalism, or you have also become a publisher, a claim can fall outside the cover. Note the area of operationas well: many policies exclude claims under United States law, while online publications are read there. Report changes straight away. The duty of disclosure in Article 7:928 of the Dutch Civil Code continues to apply and a breach can cost you the payment (Article 7:930 of the Dutch Civil Code).
Outside the cover in any event are: publishing against your better judgement, deliberate acts and wilful recklessness (Article 7:952 of the Dutch Civil Code), fines and penalty payments, and redoing or refunding your own fee for work that is rejected. contractual penalties and claims arising from a dispute already known when you took out the policy also remain for your own account. Equipment and drones are insured separately.
Insurers weigh these details differently. That is where your saving is.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
This is what people ask us most.
No. Public and employers' liability insurance covers injury and property damage. A claim about a publication concerns pure financial loss: reputational damage, lost turnover, the cost of a correction. That falls under professional indemnity insurance, provided it names your editorial work in the insured capacity. Without a BAV you pay both the compensation and the defence yourself.
Often yes, but not always. Many professional indemnity policies cover unintentional infringement of copyright or image rights within a separate limit. Deliberate use without a licence counts as a deliberate act and is excluded. Check the conditions and keep your licence records up to date: when a claim arrives you have to be able to show which rights you bought.
Only if that is included. As standard the policy covers your own staff. If you work with freelance photographers or sub-editors, have it recorded that third parties you engage fall within the cover, or make sure they have professional indemnity insurance of their own. Ask for a policy schedule before the work starts.
Not on the liability policies. Cameras, laptops, drones and lighting are insured through an electronics or business contents policy. Note the requirements for theft from a vehicle: many policies cover it only in daylight, after signs of forced entry and sometimes with a lower limit. Equipment left unattended is often excluded.
Request a quote without obligation. We check your insured capacity and territory.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.
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