Professional Liability Insurance for Toronto Digital Media Consultants
Content disputes, copyright claims, or underperforming campaigns can expose Toronto digital media consultants to risk. E&O insurance helps protect your creative work.
Errors and omissions insurance for digital media consultants in Toronto
If you’re a Toronto media professional who plays any role in the development, execution and maintenance of digitally-based technology, there may be times when you are not covered by your commercial general liability insurance and could face accusations of negligence.
Whether you’re a graphic designer, animator, programmer or specialist for new media technology such as websites, video games or other multimedia, you may run into unforeseen situations and may not necessarily be covered if a media service or advice you offer results in financial damages to a client. Even if you aren’t found liable, you could face extensive legal defence costs.
Fortunately, EasyCover offers Toronto media professional liability insurance (also known as errors and omissions insurance). This unique form of insurance offers protection when the unexpected happens on the job. It’s the perfect way for Torontonians working in media to protect their finances and reputation.
Interested in purchasing your professional liability online in minutes?
Acera Insurance offers EasyCover where you can get a quote, bind your policy and pay online in only a few short minutes. Get comprehensive coverage and affordable rates quickly and easily.
Here are some of the benefits of EasyCover:
- Get free online quotes 24/7
- No long, confusing applications to fill out
- Purchase and manage your policy online
- Support by phone, email or chat
- Option to bundle with other coverages
What is professional liability insurance for digital media consultants in Toronto?
Professional liability insurance is a commercial coverage which is customized for individuals who specifically offer professional advice or services as part of their business operations. Also known as E&O insurance, this coverage can help pay for your legal costs – if a client sues you for negligence or mistakes related to your services. Professional liability for digital media consultants is created to specifically provide protection against the most common risks faced by professional working in the digital or new media industry.
For example, let’s say you’re hired to create an e-commerce site for your client. Everything appears to be working fine during your quality assurance testing, but on launch day something goes wrong and customers can not make purchases. Your client could sue you to recover their profit loss.
In this and other similar cases, professional liability insurance can help digital media consultants in Toronto cover legal expenses, which could otherwise potentially bankrupt a small business. E&O coverage includes defence costs, such as hiring a lawyer, as well as restitution, such as settlements and judgement awards.
Toronto digital media consultants insured through EasyCover
EasyCover provides coverage for the following digital media professionals in Toronto:
- Advertising consultants
- Brand consultants
- Copywriters
- Corporate identity consultants
- Editors
- Graphic designers
- Market researchers
- Marketing consultants
- Media buyers
- Public relations consultants
- Website designers
- Website programmers
- Website marketers
Contact us if you don’t see your profession listed and we’ll see how we can help!
Professional liability insurance digital media claims examples
Here are some scenarios Toronto digital media professionals may be covered by professional liability insurance.
Copyright accusations
You’re a web designer, and have been accused of copyright infringement on work you’ve recently produced for a client.
Website with incorrect information
A company has hired you to write content for their new website. After launch, they discover some of the content you wrote is incorrect. They claim they’ve lost business because of the mistake.
Development error
As a new media programmer, you create an e-commerce website for a client. After it launches, the shopping cart tool isn’t working properly. They claim they’ve lost business because customers can’t perform transactions.
How are professional liability rates calculated for digital media consultants in Toronto?
There are several factors that will determine professional liability insurance premiums for new and digital media consultants in Toronto, including:
- Your area of expertise. The digital media industry is fairly broad and includes many different types of professions. EasyCover offers excellent coverage for the most common digital media consultants in Toronto, from media buyers to website designers and more.
- Your annual revenue. With EasyCover, digital media consultants who make up to a maximum of $2 million per year are eligible to receive coverage through our exclusive program.
- Your coverage limits. You can select one of three different coverage limits: $1 million, $2 million and $5 million. The limit chosen is the total maximum amount you are eligible to receive for all approved claims during the 12-month period of your policy.
- Number of individuals on your policy. Toronto digital media consultants have the option of selecting coverage for themselves or for up to five employees. If you company is larger, we can refer you to one of our colleagues at Acera Insurance.
Optional commercial coverages for digital media contractors in Toronto
Besides offering professional liability insurance, EasyCover can also provide a few additional protections for Toronto’s digital media contractors.
Commercial General Liability Insurance
Commercial General Liability (CGL) insurance is your business’s first line of defense. It covers accidental injuries or property damage caused by you or your team—whether at your office or on a client’s site—so you can focus on your work with peace of mind.
Directors and Officers Liability Insurance
Being a director or officer comes with big responsibilities—and big risks. If you make a misstep or fall short of your duties, you could be held personally liable. That’s why D&O insurance is essential. It helps cover legal costs if claims come from regulators, employees, vendors, or even customers.
Cyber Liability Insurance
A data breach or hack can hit your business hard. Our cyber liability insurance is here to help cover the costs—from breach response and lost income to legal fees and even ransom demands. With both network security and privacy liability included, you’ll have support when you need it most—even for fines or digital asset recovery.
Why do digital media consultants in Toronto select EasyCover by Acera Insurance?
Toronto digital media consultants rely onEasyCover for their professional liability insurance because we offer key benefits, such as:
- Excellent coverage.
- Affordable prices.
- Quick and easy quotes.
- Ability to buy online.
We’re one of the few digital options in Canada – you don’t need to speak to a broker to get insured! Ultimately, we offer the errors and omissions insurance digital media consultants in Toronto need.
Ready to get your free professional liability insurance quote?
Simple answer a few questions to immediately receive a quote, bind your policy and pay online in only a few short minutes.