Video games

Professional liability is also known as “E&O” or Errors and omissions insurance. This insurance provides coverage to hedge against financial loss that you may cause to a third party after having followed your recommendation, as a result of the omission of advice that you should have given within your professional capacity or as a result of a design error of your product. As a result, your client could sue you for losses you would have caused him. Professional liability would also cover defence costs associated with a lawsuit.

Multimedia insurance covers the entire creative process, including production interruptions, liability insurance, and the protection of audiovisual data.

By adding this coverage to your insurance contract, you are protected from the intellectual property infringement you may be subjected to and the legal defence costs required to defend yourself in the event of alleged violation from a third party. As such, your patents, copyrights and secrets are protected by this insurance.

This insurance not only covers liability related to the management of the private information of your clients, employees and your company but also that of your personal data in the event of hacking.

It also includes the following types of coverage:
– Protection against accidental computer breaches
– Coverage for data recovery costs
– Coverage for data breach reporting costs

Adding this coverage to your insurance contract helps you hedge replacement costs in the event of loss of data, including a computing error, computer abuse or a virus.

This insurance covers lost profits or expenses incurred in order to maintain the normal business operations in the event of a major peril. For example, rental of buildings or equipment as well as compensation for decreased income.

Media and advertising liability provides coverage for defamation lawsuits or defamatory material found in your marketing material or content published on your website.

Civil liability coverage protects you from property damage or bodily injury that you may involuntarily cause to a third party or to one of your clients, anywhere your activities take place. As a result, this coverage is necessary in order to protect your business in the event of a lawsuit or claim attributable to your operations, your places of business or your operations. It is important to properly assess the chosen limit in relation to the actual risk because the consequences could be catastrophic for the survival of your company.

This insurance covers the damage resulting from the sudden or accidental breakdown of your equipment requiring repairs or replacement. This coverage also offers inspection services of your equipment.

Are insured:
– Pressurize equipment
– Electrical equipment
– Mechanical equipment
– Electronic equipment and loss of data

Adding the executive risks coverage, also known as “D&O”, allows your company’s directors and officers to be covered. These directors and officers carry the responsibility of acting in the best interest of the company. Whether you are the member of a board or run a company, you could be held personally liable of any wrongful act in the management of a company. This insurance also covers defence costs in the event of allegations or legal action brought against members of a board or business executives.

IT equipment such as computer hardware, servers, and devices are protected from damage under this coverage.

This coverage is designed to protect you in the event of a financial loss following the cancellation of an event for unforeseen reasons, or because the guest of honour was unable to make it.

Since the building is covered under the basic insurance contract, immovable property is covered (namely the walls, floors and windows, but also the cupboards and counters of your company against fire, theft, vandalism and more). Property insurance also covers tenants improvements and betterments. This is part of your contract’s basic coverage.

Contents insurance offers coverage to your company for damage or loss to the property inside your office, for example desks, chairs and equipment, but especially all your computer equipment. Equipment belonging to you at your collaborators’ and hosting providers’ site is also covered.

Because no one is immune from unfortunate events, this coverage protects you against employee theft or fraud committed by a senior executive. It also covers phishing attempts.

This insurance provides an indemnity in the event of loss of revenue or negative brand image as a result of an event blemishing the company’s reputation.

All companies should have a chance to assert and defend their rights. Legal insurance provides you with the means to do so should you encounter legal issues.