Media and Marketing Insurance

Media and Marketing Insurance

Media and Marketing Insurance is essential for media and marketing professionals who face many risks on a day to day basis.

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What is Media and Marketing Insurance?

Media and Marketing professionals many different risks – general risks such as injuries or property damage as well as risks related to the services they provide and advice they provide to clients. Media and Marketing Insurance protects professionals in this industry.

What does Media and Marketing Insurance cover?

Marketing Insurance protects professionals in the industry from several risks:

Who needs Media and Marketing Insurance?

Professionals in the industry who should protect themselves:
  • Advertising Agencies
  • Marketing Consultants
  • Graphic Designers
  • Website Designers/Developers
  • Photographers

What is the cost of Media and Marketing Insurance?

There are many factors that go into determining the annual premium, such as:
  • Yearly revenue
  • Number of employees
  • Industries serviced

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Common scenarios where Media and Marketing Insurance is useful

Upside down print
An advertisement printer makes an error while printing a magazine which causes an ad to be placed upside down in the final version of the print. The magazine company demands a refund for the printing and advertising costs.
False Marketing
Marketing copy developed by an advertiser makes claims about a competitor that the competitor deems as inappropriate and false. The competitor then sues for libel.
Copyrighted Materials
A publishing company uses images in its publication. It is later discovered that these images were from a popular book and the publisher failed to take appropriate permissions. The publisher is sued for copyright infringement.

Frequently Asked Questions about Media and Marketing Insurance

What are the most common risks that media and marketing professionals require insurance for?

The most common risks that professionals in the media and marketing industry face are lawsuits that arise from copyright infringement, plagiarism, defamation, and invasion of privacy. As media and marketing professionals frequently work with media assets (often created by other professionals), it is common for such types of problems to arise.

Is Legal Expense Insurance included in my Media and Marketing Insurance policy?

You can request to add Legal Expense Insurance to your Media and Marketing Insurance policy. Legal Expense Insurance enables you to consult a lawyer for advice related to your business. Standalone Legal Expense policies start at $200 a year, but you may be able to get a discount if you bundle it with other policies (such as general liability, errors & omissions, crime etc) in your Media and Marketing Insurance.

How can I get coverage for advertising injury?

If you are concerned about advertising injury (libel, slander, etc) caused by your own company’s marketing and promotional material, request to add General Liability coverage to your Media and Marketing Insurance policy. But General Liability does not cover the work you do for your clients. If you are concerned about advertising injury caused by the work you do for your clients, add Errors & Omissions coverage to your insurance policy. Errors & Omissions Insurance provides coverage for damages caused by errors and omissions in your services.

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