Commercial industry
Advertising Agency Insurance
An agency’s product is advice, creative, and sometimes a media buy placed in the client’s name. General liability will not defend a claim that a campaign infringed, a claim that advice tanked a launch, or a claim that a production day injured a freelancer you did not actually employ. Professional liability and cyber sit at the center of this file.
We place small and mid-size advertising, branding, and marketing shops in the ten states we serve. If you also produce events or shoot on location, say so — the inland-marine and hired-auto story changes.
Risks we actually schedule
- Errors-and-omissions claims on strategy, creative, or a media placement.
- Copyright, idea-submission, and advertising-injury disputes that a cheap GL form will not fully absorb.
- A client-data or working-file breach, including files on a contractor’s laptop.
- Production-day injury to a freelancer whose status was never documented.
Frequently asked questions
Does general liability cover a client who says our campaign failed?
No. That is professional liability. GL is bodily injury, property damage, and a limited advertising-injury grant — not a failed-ROI lawsuit.
We use a lot of freelancers. Is that a problem?
It is a certificate and status problem. We want their GL and, when they touch client data, their cyber. Misclassified production labor becomes your claim.
Do we need cyber if we do not store payment cards?
Yes. You store brand files, customer lists, and access to client ad accounts. That is enough.
Related coverage, industries, and locations
Professional Liability
Errors-and-omissions coverage when advice, design, or a professional service is alleged to have caused a financial loss.
Coverage detailsCyber
Ransomware, data-breach response, forensic IT, notification, and business income after a network event.
Coverage detailsBusiness Owner's Policy
A packaged policy that pairs general liability with commercial property and business income for eligible classes.
Coverage detailsManagement Liability
Directors and officers, employment-practices, fiduciary, and employee-benefits liability on one conversation.
Coverage detailsProfessional Consulting
Miscellaneous professional liability, cyber, and a office package for firms whose product is advice.
Industry pageIT and Computer Services
Technology E&O, cyber, and a package for shops that implement, support, and sometimes host.
Industry pageEngineering and Architecture
Design professional liability first, then a office package, cyber, and the field-visit auto file.
Industry pageWashington
Licensed commercial insurance broker serving Washington.
State page