professional indemnity insurance

Hi trickylittleimp

There are two sides to professional indeminity insurance:

1. It protects you from financial loss through litigation as a result of your error.

or

2. It encourages people to sue you because they know they can get a fat payout from your insurer, rather than just a few thousand quid from you on your own.

My view is that if you're in an industry where it isn't a requirement of being allowed to practice, and if nobody is likely to die as a result of your mistake, then it's not really worth bothering with.

I'd think you're fairly unlikely to be sued in the communications sector. PR companies don't generally have professional indemnity insurance, advertising agencies don't and so on.

By the way, if this advice ever turns out to be wrong it's really not worth suing me, as I don't have professional indemnity insurance. :)

cheers
steve

Steve Parks
Pilot, FlyingStartUps.com

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