Choose from the nation's best insurance providers
Top media and advertising businesses
Recommended insurance coverage for media and advertising professionals
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.
General Liability Insurance
Covers bodily injuries, customer property damage, and advertising injuries. Often required for commercial leases.
Best for:
Slip-and-fall accidents
Customer property damage
Libel lawsuits
Professional Liability Insurance
Also called E&O insurance, this covers legal costs for professional errors or missed deadlines.
Best for:
Negligence lawsuits
Project disputes
Work mistakes
Workers' Compensation Insurance
Covers medical expenses for employee injuries and is required in most states.
Best for:
Employee medical costs
Disability benefits
Injury-related lawsuits
Business Owner’s Policy (BOP)
Combines general liability and commercial property insurance for small businesses in one affordable package.
Best for:
Customer injuries
Damaged property
Business interruptions
Cyber Insurance
Helps businesses recover from cyberattacks and data breaches by covering recovery costs and customer notifications.
Best for:
Data breach lawsuits
Customer notifications
Fraud monitoring
Commercial Auto Insurance
Covers vehicle-related accidents and damages. Required for business-owned vehicles in most states.
Best for:
Auto accident lawsuits
Vehicle damage or theft
Vandalism
How much does insurance cost for advertising and media professionals?
Insurance companies look at several factors during underwriting to determine the cost of business insurance for media and advertising companies, including:
- Type of media and advertising services offered
- Business equipment and property
- Business revenue
- Number of employees
- Types of coverage purchased
- Claims history
How do I get liability insurance for media and advertising businesses?
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 Swift Insurance in three easy steps:
- Complete a free online application.
- Compare free quotes and choose a policy.
- Pay for your policy and download a certificate for proof of insurance.
Swift’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.
FAQs about media and advertising business insurance
What is covered by a media liability insurance policy?
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:
- Work mistakes and oversights
- Missed deadlines
- Advertising injuries, such as libel and slander
- Copyright and trademark infringement
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.
Is media liability covered by a cyber insurance policy?
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:
- Oversights and mistakes
- Failure to deliver promised services
- Breach of contract
- Third-party cyber liability (data breach lawsuits)
What other policies do media and advertising businesses need?
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.