La Playa Arts & Entertainment: Insurance with Intelligence®

Specialist Insurance for Arts Organizations

La Playa: Insurance with Intelligence®

Errors & Omissions Insurance

When Things Go Pear-Shaped – and it’s your fault

If your work involves selling your knowledge, services and expertise to others, then Professional Indemnity insurance (PI) is a must. It’s an essential piece of armour for anyone who could be sued for making a mistake.

In this everything-by-yesterday world, even the most respectable company can find itself in dispute with a client over an error, a delay or alleged breach of contract.

Why do I need it?

In the political climate of harmonization and consumer protection, it’s hard to keep up with changes in the law, and many companies find themselves embroiled in expensive disputes without realizing they’d done anything wrong. Failing to defend these allegations properly could cause irreparable damage to the reputation and financial stability of your business. Every day your business could be exposed to allegations of:

  • Negligence or breach of duty of care
  • Negligent mis-statement & defamation – unwitting or intended comments
  • Infringement of intellectual property rights including copyright, performance and broadcasting rights
  • Breach of contract
  • Dishonesty of your partners, directors, employees or freelancers

How will it protect my business? Errors & Omissions Insurance helps with:

  • Indemnification and defense costs: legal expenses cover to defend your cause in a dispute
  • Rectification: the insurer may pay to rectify the problem to mitigate costs and avoid an expensive liability claim
  • Outstanding fees: if a dissatisfied client threatens legal action and defaults on fee payment, the policy can cover outstanding fees

We can help you review your contractual obligations to identify the extent of indemnities that your clients require. Contact us using the form below.

Case Study: Errors & Omissions
A TV broadcaster aired a commercial with the incorrect voice-over. The insurer helped broker a deal with the customer, who accepted free media space and dropped the case for compensation.

What is E&O insurance?

In this everything-by-yesterday world, even the most respectable company can find itself in dispute with a client over an error, a delay or alleged breach of contract. E&O insurance provides indemnity for losses you are legally liable for if you make a mistake or are negligent, or if your product or service is defective, inadequate or fails to perform.

What if...

Allegations are unexpectedly made against your organization for:

  • Negligence or breach of duty of care?
  • Negligent mis-statement & defamation – unwitting or intended comments?
  • Infringement of intellectual property rights including copyright, performance and broadcasting rights?
  • Breach of contract?
  • Dishonesty of your partners, directors, employees or freelancers?

Failure to defend your business adequately could cause irreparable reputational damage - not to mention the financial implications.

What is E&O insurance?
In this everything-by-yesterday world, even the most respectable company can find itself in dispute with a client over an error, a delay or alleged breach of contract. E&O insurance provides indemnity for losses you are legally liable for if you make a mistake or are negligent, or if your product or service is defective, inadequate or fails to perform.

Errors & Omissions Insurance helps with:

  • Indemnification and Defense costs: legal expenses cover to defend your cause in a dispute
  • Rectification: the carrier may pay to rectify the problem to mitigate costs and avoid an expensive liability claim.
  • Outstanding fees: If a dissatisfied client threatens legal action and defaults on fee payment, the policy can cover outstanding fees.

We can help you review your contractual obligations to identify the extent of indemnities that your clients require.

Errors & Omissions Insurance

We can help with insuring...

Property: computers, audio visual equipment, offices

Consequential Loss: protects income streams during physical and technological disruptions (fire, flood, power & telecommunications failure)

General Liability: cover for compensation payments arising from damage to third party property or personal injury

Workers' Compensation: for injury and illness to employees and freelancers

Errors & Omissions: helping to defend you against allegations of libel, slander, infringement of copyright, breach of confidentiality

Directors' & Officers' Liability: protecting decision-makers against alleged mismanagement of the organization

Travel & Touring: trip cancellation, medical expenses, passport replacement, loss of baggage

Specialist Cancellation Insurance: cover against financial loss as a result of cancellation, abandonment, postponement or re-scheduling of an event. As an artist manager, you can opt to insure your highest earning artists/authors with a “friends and family” type policy – entirely flexible and designed to cover areas where your income is most vulnerable - without breaking the bank. Some problems are worth losing sleep over. We believe insurance isn’t one of them. More >

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Download: Arts & Entertainment Brochure

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How we can protect your arts organisation...

Business Interruption Insurance
Business Interruption Insurance
Business Protection
Business Protection
Cancellation and Non-Appearance
Cancellation and Non-Appearance
Performing Arts Insurance
Performing Arts Portfolio
Cyber Risks Insurance
Cyber Risks Insurance
Directors & Officers Liability
Directors & Officers Liability
Employers' Liability
Employers' Liability
Employment Practices Liability
Employment Practices Liability
Key Person Insurance
Key Person Insurance
Legal Expenses
Legal Expenses
Motor Insurance
Motor Insurance
Pensions and Benefits
Pensions and Benefits
Performing Arts Portfolio
Performing Arts Portfolio
Professional Indemnity
Professional Indemnity
Property & Equipment
Property & Equipment
Public & Products Liability
Public & Products Liability
Travel & Personal Accident
Travel & Personal Accident
Trustee Liability
Trustee Liability

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The arts present a very specific set of risk exposures – and now your digital and online risks can expose you globally. We understand the risks and pressures you face - and we speak your language. We’ll support you with great advice - helping you make good decisions for your organization.

Our policies can help streamline costs, and we’ll always help you stay ahead of the game in managing risk. The show must always go on - insurance isn’t just about processing a claim, it’s about thinking laterally to solve challenges and problems fast.

At La Playa, we’re passionate about the arts and creative industries – many of us are practitioners and active consumers; in fact, La Playa founded the first ever corporate art collective!

Advice You Can Trust

…from an expert who understands you

  • Specialist insurance for entertainment and the arts
  • Independent professional advice
  • Relationship-based service: right beside you when you make a claim
  • “Can do” culture
  • Seamless insurance across US and UK
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