Disputes over rights — yours and other people's — and the specialist litigation costs that come with them.
Legal costs when you are accused of infringing copyright, trademark or patent.
Pursuing others who infringe your rights, where the policy includes it.
Awards against you for covered claims, up to the limit.
The indemnities you have given customers in contracts, where written in.
Enforcement actions frequently trigger counterclaims — cover should anticipate both directions.
Specialist IP litigation is among the most expensive civil work there is.
If your revenue depends on rights — owning them, using them or indemnifying them — the exposure is already there.
Ship enough features and you will eventually overlap with someone’s claimed rights.
Trademark disputes follow growth and visibility.
Copyright claims arrive from every direction in both roles — claimant and defendant.
Patent assertion is a business model, and manufacturers are its favourite target.
Your revenue depends on rights someone else may challenge.
Customer contracts increasingly push IP risk onto the vendor — you.
IP cover is one of the most variable policies on the market — defence and enforcement are often sold separately, and wording differs sharply by carrier. This is a line where the placement matters more than the premium.
Only a narrow slice — advertising injury may pick up some copyright claims tied to your advertising. Patent and most trademark disputes are excluded entirely.
Known disputes are excluded from new policies — which is exactly why the time to arrange cover is before the letter arrives.
Defence responds when you are accused of infringing. Enforcement funds pursuing those who infringe you. Many policies sell them separately — decide which direction your risk runs.
Defence cover responds to assertion claims including NPE actions, subject to the policy wording — one of the main reasons manufacturers and software firms buy it.
Carriers set the premium, not us — and IP pricing varies more than almost any line, with revenue, sector, litigation history and the rights at stake all in play. We shop specialist markets and walk you through the options — free, no obligation.
Specialist IP litigation regularly runs to seven figures through trial — defence cost is the reason this policy exists.
Territory varies by policy — if you sell or enforce across borders, say so and we will match the territory to the exposure.
Some forms extend to trade secret misappropriation claims — it is a specific ask, not a default.
