Advertising Agency Insurance

Advertising Agencies
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Why do advertising agencies need business insurance?

Media and advertising agencies face several risks – especially liability over what you publish. A client could sue over a mistake, or a competitor could file a lawsuit alleging defamation or copyright infringement. Advertising agency insurance covers these and other liabilities, such as injuries and cyberattacks.

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Find the right coverage

Insureon helps advertising agencies find insurance that matches your unique risks.

Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.

What types of business insurance do advertising agencies need?

These insurance policies cover common advertising agency risks.

General liability insurance icon

General liability insurance

This policy covers accidental property damage and injuries. Bundle it with commercial property insurance in a business owner’s policy (BOP) for a discount.

  • Customer bodily injuries
  • Damaged customer property
  • Commercial lease requirements
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Media liability insurance

This policy covers legal defense costs related to the quality of your work and advertising injuries. It's also referred to as professional liability insurance or errors and omissions insurance.

  • Accusations of negligence
  • Mistakes in an advertising campaign
  • Copyright infringement
Business owner’s policy icon

Business owner's policy

A business owner's policy, or BOP, is a cost-effective way for smaller advertising agencies to purchase general liability coverage and commercial property insurance together.

  • Damaged client property
  • Slip-and-fall injuries at your agency
  • Stolen or damaged business property
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Workers’ compensation insurance

Most states require workers' comp for advertising agencies that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Employee injury lawsuits
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Cyber insurance

This policy covers financial losses caused by data breaches and cyberattacks. It's strongly recommended for media and advertising agencies that handle credit cards or other sensitive data.

  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs
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Commercial auto insurance

Commercial auto insurance helps cover costs if a vehicle owned by an advertising agency is involved in an accident. It's usually required for vehicles owned by a business.

  • 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 media and advertising professionals?

Media and advertising professional calculating the cost of business insurance.

A small ad agency will pay less for insurance than a larger company.

Factors that affect premiums include:

  • Media and advertising services offered
  • Business property and equipment
  • Business income
  • Types of coverage purchased
  • Policy limits and deductibles
View Costs

How do I get advertising agency insurance?

It's easy to get media and advertising agency insurance or marketing consultant insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your media or ad agency, whether you work independently or hire employees.

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