{"id":2828,"date":"2023-12-11T14:21:00","date_gmt":"2023-12-11T14:21:00","guid":{"rendered":"http:\/\/www.policybee.co.uk\/blog\/?p=2828"},"modified":"2024-06-25T12:27:08","modified_gmt":"2024-06-25T11:27:08","slug":"professional-indemnity-insurance-claims-the-case-of-the-corrupted-file","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/professional-indemnity-insurance-claims-the-case-of-the-corrupted-file","title":{"rendered":"The story of a designer&#8217;s professional indemnity claim"},"content":{"rendered":"\n<p><\/p>\n\n\n<div class=\"wp-block-image is-resized\">\n<figure class=\"alignright size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"300\" src=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2011\/12\/corrupted-file_graphic_JH.jpg\" alt=\"designer's professional indemnity claim story\" class=\"wp-image-20412\" style=\"object-fit:cover;width:300px;height:150px\" srcset=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2011\/12\/corrupted-file_graphic_JH.jpg 600w, https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2011\/12\/corrupted-file_graphic_JH-300x150.jpg 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n<\/div>\n\n\n<p><a href=\"https:\/\/www.policybee.co.uk\/blog\/what-is-professional-indemnity-insurance\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Professional indemnity insurance (opens in a new tab)\">Professional indemnity insurance<\/a> helps protect you and your business if you make a mistake, and your client sues you for their loss. But you already know that.<\/p>\n\n\n\n<p>And contrary to popular belief, <a href=\"https:\/\/www.money.co.uk\/business\/business-insurance-statistics#:~:text=Recent%20UK%20business%20statistics%20found,Loss%20of%20money\" target=\"_blank\" rel=\"noreferrer noopener\">claims happen all the time<\/a>. Some are justified, some aren\u2019t; some go nowhere, some take years and cost \u00a3tens of thousands.<\/p>\n\n\n\n<p>So we thought you might like to hear about one &#8211; in this case, a designer&#8217;s professional indemnity claim. It&#8217;s interesting because it makes you think and it gives you an idea of what you&#8217;re paying for.<\/p>\n\n\n\n<p>The names have been changed to protect the innocent but apart from that, everything\u2019s just as it happened.<\/p>\n\n\n\n<p>Enjoy.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A tale of corruption<\/h2>\n\n\n\n<p>It&#8217;s May 2021 and Andy&#8217;s small design agency, Pont Studios, is running at full capacity.<\/p>\n\n\n\n<p>Of particular concern is the annual report for The Green Group, their biggest and most prestigious client. It&#8217;s the 17th year that Pont have done the design, copy and print for Green\u2019s annual report and this year\u2019s design is bigger and glossier than ever.<\/p>\n\n\n\n<p>As all designers know, the devil\u2019s in the detail. The two companies have worked closely through long days and late nights to make sure the report is top-drawer. It&#8217;s been worth it though \u2013 the team is justifiably proud of the end result.<\/p>\n\n\n\n<p>With the final version in the bag, and on the day the report is due to go to print, Andy takes a call from Green\u2019s chief executive. He\u2019s spotted a small error: the CFO\u2019s name appears twice in the list of people to be thanked.<\/p>\n\n\n\n<p>No big deal. Andy fixes it while they talk; along with a couple of other last-minute amendments to the index page. The final version is saved and sent for print.<\/p>\n\n\n\n<p>It&#8217;s not long before 5,000 shiny, new annual reports are rattling off the printing press. Job done, then.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Don&#8217;t count your chickens<\/h2>\n\n\n\n<p>Well, maybe not quite. Unfortunately, although the report was amended correctly and the file sent to the printers on time, it had somehow got corrupted along the way and the changes hadn\u2019t saved properly. All 5,000 reports were wrong.<\/p>\n\n\n\n<p>Although the printers had shown a sample copy to Green\u2019s CEO early in the print run, his brief was to check the photos only \u2013 as per the procedure followed for the last 17 years. So the print errors slipped through.<\/p>\n\n\n\n<p>It was only when Andy travelled to Green\u2019s head office to personally deliver 100 copies that he spotted the errors (while idly thumbing through the pages, waiting for the CEO\u2019s PA to return from lunch). Hardly the ideal way to find out\u2026<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The penultimate chapter<\/h2>\n\n\n\n<p>So what to do? Not unreasonably, Green\u2019s CEO wanted the annual report to be reprinted and the mistakes corrected \u2013 and quickly. Pont couldn\u2019t risk upsetting (and possibly losing) their biggest client by refusing to bear the cost of the reprint themselves, and they could hardly ask Green to \u2018go Dutch\u2019.<\/p>\n\n\n\n<p>Faced with the prospect of losing one important client and a good \u00a3few thousand , Andy got in touch with us. He was pretty sure that this was the sort of thing his <a rel=\"noopener noreferrer\" href=\"https:\/\/www.policybee.co.uk\/professional-indemnity-insurance\" target=\"_blank\">professional indemnity insurance<\/a> could help with.<\/p>\n\n\n\n<p>He was right. One full and frank conversation later and we were up to speed with the gravity and urgency of the situation.<\/p>\n\n\n\n<p>The first thing we did was explain where he stood (pending the insurer\u2019s definitive view), lay out exactly what we needed and, more importantly, reassure him as much as possible. While he set about collating and sending through all the necessary information, we called one of the claims guys at Pont\u2019s insurer and ran through the details with them.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Righting the wrongs<\/h2>\n\n\n\n<p>Whether the policy would respond or not was fairly easily determined. Pont\u2019s liability was clear and there was certainly a case to answer. Having confirmed cover, the only sticking point was the cost of the reprints \u2013 even without Pont\u2019s margin, the bill would be around \u00a314,000. Ouch.<\/p>\n\n\n\n<p>The insurer suggested that because the amendments were very minor and, arguably, Green shared some responsibility for the errors, there might be a deal to be done on the cost of the reprints. It was worth a try.<\/p>\n\n\n\n<p>With support, advice and direction from his insurer, and from us, Andy started negotiations with Green. Thankfully, common sense prevailed and they reached an agreement \u2013 all within a week of his first phone call to us.<\/p>\n\n\n\n<p>A cheque for just over \u00a39,000 was soon winging its way to Andy along with instructions to the printers to fire up the presses again. The Green Group got their (correct this time) annual reports just in time for their AGM and Pont Studios got to keep both their reputation and the relationship with their most important client intact.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">And the lessons learnt from our designer&#8217;s professional indemnity claim?<\/h2>\n\n\n\n<p>Don\u2019t trust technology, obviously. Check what\u2019s been received is what you sent (that goes for paper files too).<\/p>\n\n\n\n<p>Most importantly, though, <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.policybee.co.uk\/blog\/why-client-sign-off-matters\" target=\"_blank\" rel=\"noreferrer noopener\">get everything signed off<\/a>, even last-minute amendments. Sign-off protects you and puts the onus on your client to check everything\u2019s OK. Once they\u2019ve signed it off, it\u2019s their responsibility, not yours.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">All&#8217;s well that ends well<\/h2>\n\n\n\n<p>We hope you found our designer&#8217;s professional indemnity claim story useful. If you&#8217;re ever in a sticky situation with a client, and unsure of how your policy can help, it&#8217;s always best to check with your broker. It beats paying \u00a3thousands, potentially, to put things right yourself. <\/p>\n\n\n\n<p>For more info on <a href=\"https:\/\/www.policybee.co.uk\/designers-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">designers&#8217; insurance<\/a>, you can call our team up on <strong>0345 222 5391<\/strong>. Or, if you&#8217;re ready to go, just <a href=\"https:\/\/www.policybee.co.uk\/professional-insurance\/quote?occ=Design+Agency\" target=\"_blank\" rel=\"noreferrer noopener\">grab a quick quote<\/a>.<\/p>\n\n\n\n<p><em>Image used under license from Shutterstock.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Professional indemnity insurance helps protect you and your business if you make a mistake, and your client sues you for their loss. But you already know that. And contrary to popular belief, claims happen all the time. Some are justified, &hellip; <a href=\"https:\/\/www.policybee.co.uk\/blog\/professional-indemnity-insurance-claims-the-case-of-the-corrupted-file\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[129],"tags":[45,181,219,150],"class_list":["post-2828","post","type-post","status-publish","format-standard","hentry","category-professional-indemnity-insurance","tag-claims-2","tag-design-and-illustration","tag-graphic-designers","tag-managing-risk"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>The story of a designer&#039;s professional indemnity claim<\/title>\r\n<meta name=\"description\" content=\"One bad file. 5000 wrongly printed reports. A valuable client and \u00a3thousands at risk. Here&#039;s the true story of a designer&#039;s professional indemnity claim.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.policybee.co.uk\/blog\/professional-indemnity-insurance-claims-the-case-of-the-corrupted-file\" \/>\r\n<meta property=\"og:locale\" content=\"en_GB\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"The story of a designer&#039;s professional indemnity claim\" \/>\r\n<meta property=\"og:description\" content=\"One bad file. 5000 wrongly printed reports. A valuable client and \u00a3thousands at risk. Here&#039;s the true story of a designer&#039;s professional indemnity claim.\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/www.policybee.co.uk\/blog\/professional-indemnity-insurance-claims-the-case-of-the-corrupted-file\" \/>\r\n<meta property=\"og:site_name\" content=\"PolicyBee news and risk advice\" \/>\r\n<meta property=\"article:published_time\" content=\"2023-12-11T14:21:00+00:00\" \/>\r\n<meta property=\"article:modified_time\" content=\"2024-06-25T11:27:08+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2011\/12\/corrupted-file_graphic_JH.jpg\" \/>\r\n<meta name=\"author\" content=\"Alexandra Williams\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:creator\" content=\"@PolicyBee\" \/>\r\n<meta name=\"twitter:site\" content=\"@PolicyBee\" \/>\r\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Alexandra Williams\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/professional-indemnity-insurance-claims-the-case-of-the-corrupted-file#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/professional-indemnity-insurance-claims-the-case-of-the-corrupted-file\"},\"author\":{\"name\":\"Alexandra Williams\",\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/#\\\/schema\\\/person\\\/9724de2ae82620a7e676af2668c960a0\"},\"headline\":\"The story of a designer&#8217;s professional indemnity claim\",\"datePublished\":\"2023-12-11T14:21:00+00:00\",\"dateModified\":\"2024-06-25T11:27:08+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/professional-indemnity-insurance-claims-the-case-of-the-corrupted-file\"},\"wordCount\":972,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/professional-indemnity-insurance-claims-the-case-of-the-corrupted-file#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/wp-content\\\/uploads\\\/2011\\\/12\\\/corrupted-file_graphic_JH.jpg\",\"keywords\":[\"claims\",\"design and illustration\",\"graphic designers\",\"managing risk\"],\"articleSection\":[\"Professional indemnity\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/professional-indemnity-insurance-claims-the-case-of-the-corrupted-file#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/professional-indemnity-insurance-claims-the-case-of-the-corrupted-file\",\"url\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/professional-indemnity-insurance-claims-the-case-of-the-corrupted-file\",\"name\":\"The story of a designer's professional indemnity claim\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/professional-indemnity-insurance-claims-the-case-of-the-corrupted-file#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/professional-indemnity-insurance-claims-the-case-of-the-corrupted-file#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/wp-content\\\/uploads\\\/2011\\\/12\\\/corrupted-file_graphic_JH.jpg\",\"datePublished\":\"2023-12-11T14:21:00+00:00\",\"dateModified\":\"2024-06-25T11:27:08+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.policybee.co.uk\\\/blog\\\/#\\\/schema\\\/person\\\/9724de2ae82620a7e676af2668c960a0\"},\"description\":\"One bad file. 5000 wrongly printed reports. 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