Advertising & Marketing Agency Insurance
Advertising agencies create campaigns, manage client budgets, and make public-facing claims on behalf of brands. This creates unique media liability, professional errors, and intellectual property risks that standard business insurance doesn't cover.
Essential Agency Coverages
Professional Liability (E&O)
Covers claims that your campaign underperformed, your advice was negligent, you missed a deadline, or your strategy caused financial harm to a client.
Media Liability
Covers claims of copyright infringement, trademark violations, defamation, libel, and invasion of privacy arising from content you create or publish.
General Liability
Covers injuries at your office, client events, and photo/video shoots.
Cyber Liability
Protects client data, campaign analytics, and login credentials from breaches.
Common Agency Claims
- Client alleges campaign failed to deliver promised ROI
- Copyright infringement in creative assets (stock photos, music, designs)
- Defamation or false advertising claims from competitors
- Missed campaign launch deadline causing client financial loss
- Data breach exposing client customer lists or analytics
- Trademark violation in ad creative
How Much Does Agency Insurance Cost?
Small agencies (under $1M revenue) typically pay $1,500–$4,000/year for an E&O + GL package. Mid-size agencies pay $4,000–$10,000+ depending on client size and services offered.
