A copyright claim can reach a business even if the infringement was inadvertent. Intellectual property infringement insurance may cover loss, damage or liability arising from alleged inadvertent infringement of copyright, patents or other intellectual property rights connected with professional services, subject to the policy’s terms and limits.It is understandable to expect a policy to respond when a claim arrives, but the wording matters. The cover must apply to the type of infringement alleged, relate to the insured’s professional business and be current when the claim is made. This article explains how Professional Indemnity Insurance may address infringement claims, what cover can include and which conditions affect whether a policy responds. It also looks at the consequences of using protected material without permission, helping you understand the risks before a dispute escalates. Key Takeaways Using an image in client work without permission or a licence can expose a business to a copyright claim, even when the mistake was inadvertent. Consider how a claim could affect legal costs, finances and business reputation when assessing the level of cover needed. Review whether professional indemnity cover addresses alleged inadvertent infringement linked to your services, and understand its limits and settlement conditions. MyGen Insurance Brokers can help businesses consider Professional Indemnity Insurance as part of a tailored approach to business risk. Table of Contents Copyright infringement claims involving images Legal, financial and reputational consequences Copyright infringement cover under professional indemnity insurance MyGen Insurance Brokers: Business Insurance Copyright infringement claims involving images A graphic designer may face a damages claim after using a copyrighted image without permission or a licence. An advertising agency may face similar action if a client campaign includes protected content. While dedicated wall art for workplaces can be sourced safely through specialists like Panther Print, incorporating digital imagery into client work carries strict licensing responsibilities. The claim may concern the image itself, even if the mistake was not deliberate. Intellectual property infringement insurance can help cover legal costs when defending infringement claims against a business, its customers or licensees.IP infringement insurance may cover both defending allegations and pursuing alleged infringers. “IP defence insurance” usually refers to cover for defending claims, but policy labels and scope vary. Policies may cover copyright, trademark and patent disputes. Prior to rolling out new branding, conducting clearance searches with intellectual property specialists such as Henry Goh & Co can help businesses mitigate the risk of conflicting marks. Whether design disputes are covered depends on the wording and the types of infringement the insurer accepts.Cover may include legal fees to defend a claim, … [Read more...] about Intellectual property infringement insurance and what it covers