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.
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.
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).
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.
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.
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.
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.
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:
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.
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:
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.
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:
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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