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Recommended insurance coverage for media and advertising professionals
When you work in media and advertising, you're vulnerable to lawsuits over copyright infringement, libel, and other advertising injuries. Business insurance can cover legal costs, property damage, and other losses.
General liability insurance
This policy covers common risks for media professionals, such as customer property damage and injuries. Bundle it with property insurance in a business owner’s policy to save.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Commercial lease requirements
Media liability insurance
This policy can pay legal defense costs related to professional negligence and advertising injuries. It's sometimes referred to as professional liability insurance or errors and omissions insurance (E&O).
BEST FOR
- Work mistakes and oversights
- Copyright infringement
- Invasion of privacy
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for media and advertising companies to purchase general liability coverage and commercial property insurance together.
BEST FOR
- Damaged client property
- Client injuries
- Stolen or damaged business property
Workers’ compensation insurance
Most states require workers' comp for media and advertising businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee bodily injury lawsuits
Cyber insurance
Cyber liability insurance helps media companies survive data breaches and cyberattacks. It's recommended for any business that handles credit cards or other personal information.
BEST FOR
- Customer notification costs
- Fraud monitoring expenses
- Data breach investigations
Commercial auto insurance
A commercial auto policy helps cover costs if a vehicle owned by an advertising agency is involved in an accident. It's usually required for business-owned vehicles.
BEST FOR
- Property damage caused by your vehicle
- Injuries caused by your vehicle
- Vehicle theft or vandalism
Looking for different coverage? See more policies.
How much does insurance cost for advertising and media professionals?
Insurance companies look at several factors during underwriting to determine the cost of business insurance for media and advertising companies, including:
- Type of media and advertising services offered
- Business equipment and property
- Business revenue
- Number of employees
- Types of coverage purchased
- Claims history
How do I get liability insurance for media and advertising businesses?
It’s easy to find insurance for media and advertising businesses. Whether you’re a social influencer, blogger, or run a PR firm, you’ll need to have some basic information about your business available.
Our application will ask you for your annual revenue and payroll, among other details. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare free quotes and choose a policy.
- Pay for your policy and download a certificate for proof of insurance.
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance solutions for your media and advertising business needs, whether you’re an independent graphic designer or operate an advertising agency with multiple employees.
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FAQs about media and advertising business insurance
What is covered by a media liability insurance policy?
Media liability insurance coverage is a type of professional liability insurance, also called errors and omissions insurance or media perils insurance. This policy protects against allegations that your professional conduct or media content harmed someone financially or caused emotional distress, whether by intellectual property infringement, defamation, plagiarism, or a similar claim.
Examples of multimedia liability claims include:
- Work mistakes and oversights
- Missed deadlines
- Advertising injuries, such as libel and slander
- Copyright and trademark infringement
While advertising injuries are typically included in a business's general liability coverage, they're excluded for advertising and media agencies because of their increased risk due to the type of professional services they provide.
Is media liability covered by a cyber insurance policy?
Advertising and media businesses can sometimes bundle media liability coverage and cyber insurance in a technology errors and omissions (tech E&O) policy. This policy protects media and tech companies from costly copyright claims, including claims of software copyright infringement.
Tech E&O also provides liability coverage related to:
- Oversights and mistakes
- Failure to deliver promised services
- Breach of contract
- Third-party cyber liability (data breach lawsuits)
What other policies do media and advertising businesses need?
There are several additional insurance products media and advertising businesses should consider for their risk management plan, such as:
Business income insurance compensates small business owners for their normal operating expenses and other associated costs if a fire or other commercial property insurance claim forces you to temporarily close your doors. It's also called business interruption insurance.
Hired and non-owned auto insurance (HNOA) provides auto liability coverage for accidents involving personal, leased, or rented vehicles used by your business and its employees.
Social media insurance coverage adequately protects your company's online social presence from many different types of advertising injury claims. Social media coverage is typically included in your general liability policy, but it's best to speak with your insurance agent to be sure you're getting the appropriate amount of coverage for your business needs.
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