A former contractor who helped build your app says they own the code and the name. They start a title dispute and demand you stop using the software and domain in Australia. You need legal help to prove ownership and defend your rights.

It is designed to cover legal costs for a title dispute first made against you about who owns an IP right, like software, a domain name, or a trade mark.

You file a new trade mark with IP Australia for your business name. Another business lodges an opposition, saying your mark is confusingly similar to theirs. You need a lawyer to prepare evidence, respond and attend the process.

It is designed to cover legal costs for an opposition action filed against your IP right during the policy period, such as at IP Australia.

You import a tool and start offering it to customers. A rival says the design uses their patented feature and sends a formal claim. They ask you to stop using it in Australia and threaten court action unless you agree to a licence or payout.

Patent infringement insurance is designed to cover legal costs and covered damages for a third party claim alleging you infringed a patent.

You launch a new product and name it. A competitor emails a cease and desist saying your brand name and packaging are too similar to their registered trade mark. They want you to stop selling in Australia, hand over stock and pay a settlement.

IP liability insurance is designed to cover legal costs and covered damages for a third party claim alleging trade mark or copyright infringement.

Your software licence ends and you keep using the third party code. The owner claims you breached the licence terms and sues for breach of contract. The main issue is the contract terms, not an IP infringement claim.

Not covered for claims arising from breach, expiry or termination of a contract or licence to use an intellectual property right.

A court finds you infringed and orders you to pay a penalty and punitive damages on top of compensation. You ask the insurer to reimburse the penalty amount and the extra damages awarded to punish the conduct.

Excluded for fines, penalties, civil or criminal sanctions and punitive, exemplary or multiple damages, even if linked to a claim.

You see another Aussie brand selling well and copy their logo style and product photos anyway. You had legal advice warning you not to. They sue for trade mark and copyright infringement and you admit you did it on purpose.

Excluded where the act or infringement is wilful or intentional, including malicious, reckless or dishonest conduct by you or your team.

Before you buy the policy, you already receive emails from a competitor saying your new brand name infringes theirs. You do not respond, then after cover starts they send a formal claim for compensation and legal costs.

Not covered if a senior executive knew, or should reasonably have known, about a circumstance or likely claim before the inception date.