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SPECIALIST IP INFRINGEMENT INSURANCE FOR MODERN BUSINESSES
What Is Intellectual Property (IP) Infringement Insurance?
IP infringement insurance is designed to protect your business if you are accused of infringing someone else’s copyright, trademark, patent or other intellectual property rights — even if the allegation is unfounded.
It is particularly relevant to software and SaaS companies, technology businesses, creative and digital agencies, designers, manufacturers and any organisation using brands, content, designs, products or code in their work.
What Does IP Infringement Insurance Typically Cover?
Policies differ by insurer, but commonly focus on legal defence, settlement and associated costs when a third party alleges IP infringement.
- Legal Defence Costs – solicitors, barristers, expert witnesses and court fees to defend you against IP infringement allegations.
- Damages & Settlements – contributions towards settlement amounts or damages you’re ordered to pay (subject to policy terms).
- Copyright Infringement – for code, content, artwork, photography, copy, UX layouts, design assets and more.
- Trademark & Brand Infringement – use of names, logos, domain names, taglines or branding elements that are challenged.
- Patent or Design Right Disputes – where available, cover for alleged use of protected processes, products or innovations.
- Defence Against Unfounded Claims – protection if allegations are spurious but still expensive to defend.
- Mitigation Costs – costs to rebrand, re-code, redesign or re-license to resolve disputes (where covered by the policy).
- Contractual IP Indemnities – support where contracts require you to indemnify clients for IP issues arising from your work.
- Global Projects – in some cases, cover can extend to projects and disputes outside the UK (subject to jurisdiction clauses).
Who Is IP Infringement Insurance For?
This cover can be relevant to any business using content, brands, software or designs — but certain sectors face particularly high exposure.
Software & Technology Businesses
- SaaS companies and software vendors using custom or open-source code.
- App developers and digital product studios.
- IT consultancies building or integrating third-party platforms.
- Start-ups with innovative tech, APIs, algorithms or user experiences.
Creative, Digital & General Commercial Businesses
- Branding, marketing and creative agencies.
- Web designers, UX/UI teams and content studios.
- Ecommerce, retail and consumer brands using distinctive branding.
- Manufacturers and product designers concerned about design rights.
FREQUENTLY ASKED QUESTIONS
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What is IP infringement insurance in simple terms?
IP infringement insurance helps cover legal defence costs and, where included, damages or settlements if you’re accused of copying or misusing another party’s protected intellectual property such as code, content, branding or product designs.
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Is IP cover only for software companies?
No. While software and SaaS businesses face heavy exposure, IP claims are also common for creative agencies, online retailers, manufacturers and any business using brands, creative assets or designs.
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Does Professional Indemnity already cover IP infringement?
Some PI policies include limited cover for unintentional IP infringement, but often with restrictions. A dedicated or enhanced IP infringement solution can provide broader and clearer protection. We can review your existing policy for gaps.
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Will this cover deliberate copying or intentional infringement?
No — insurance is designed to respond to unintentional or alleged infringement, not deliberate copying. Intentional or fraudulent acts are typically excluded from cover.
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Can you review my current PI or cyber policy for IP gaps?
Yes. We can review your existing Professional Indemnity, Cyber or Management Liability policies to check how IP is treated, identify exclusions and recommend whether dedicated IP infringement cover would add value.