Marketing Agency Insurance

From developing concepts to executing campaigns, marketing pros juggle endless details to maximize brand exposure and client conversion metrics.

You manage rushed production schedules, last-minute copy changes, ongoing analytics tweaks, and anxious customers expecting exceptional, measurable results.  

However, despite meticulous effort, projects unravel – social posts with embarrassing typos go viral for the wrong reasons, SEO optimizations inadvertently harm site traffic, promoted events flop due to planning mix-ups, or customers simply aren’t happy with promotional results after budgets are exhausted.

Such situations mean disappointed clients, refund demands, potential lawsuits, and real financial consequences without proper business insurance.

Let’s explore different types of insurance policies available in the insurance industry needed to safeguard your marketing solutions:

• General liability policy
• Professional liability insurance
• Media liability insurance  
• Cyber liability insurance    
• Workers’ compensation insurance
• Errors and Omissions Insurance (e&o insurance)
• Commercial auto insurance
• Commercial property insurance
• Business Owner’s Insurance (BOP)

General liability insurance helps protect against third-party bodily injury and property damage claims – two significant risks for marketing professionals meeting clients and coordinating promotional events.

Even diligent marketing pros face liability risks simply interfacing with partners to shape messaging.

The Allen Thomas Group provides insurance to shield your finances if you or your employees are deemed legally responsible for a third-party bodily injury, property damage, or personal injury up to your selected limits.

Some of the claims include:

• Injury claims – A client slips at an event you organized
• Damaged property – An employee accidentally breaks a venue’s furniture.
• Defamation – Social media posts you created contain harmful misinformation   

Liability protection brings peace of mind when taking on tight marketing initiatives. 

Also called errors and omissions insurance, professional liability insurance goes beyond standard liability to cover financial harm when service mistakes lead to client losses.

This specialized protection responds when marketing negligence results in damage claims.

It is important to have professional liability insurance to shield small business owners against expensive claims resulting from:

• Botched campaign launches – Scheduling mix-ups delay initiatives  
• Faulty SEO guidance – Optimizations accidentally deflate organic traffic   
• Social media disasters – Unauthorized paid promotions use harmful messaging
• Infringement – You incorporated unlicensed music or images into video ads

It’s essential coverage because professional liability picks up when general liability ends regarding financial injury caused by service errors, not simply bodily injury or property damage. For marketing businesses managing partner brands, this policy protects your assets when oversight occurs.  

Handling partner branding assets and intellectual property introduces cyber risks surrounding data breaches, computer hacking, and viruses, which trigger expensive repair bills plus legal and public reputation liabilities.

Sensitive partner data could be exposed, or ransomware could freeze systems and interrupt timelines.

Our customized cyber liability solution provides adequate advertising agency insurance to cover expenses related to data breaches, malware incidents, and other cyber events – from customer notification costs to rebuilding computer networks to lost income from outages. 

It protects customer data and systems crucial for branding initiatives.

Media liability insurance coverage can help cover claims alleging libel, slander, defamation, copyright infringement, invasion of privacy, or plagiarism in the gathering and communication of information to the public through certain channels, such as social media marketing, search engine marketing, advertisements, websites, and videos produced for clients.

Lawsuits can be filed against you, alleging harm caused to the reputation, profitability, or competitive standings of aggrieved organizations or individuals from messaging an agency creates.

Combine with E&O insurance for robust coverage responding to allegations involving media liability and professional services negligence.

While marketing companies don’t face immense employee injury risks, workplace accidents remain possible during client meetings, commuting, and basic office hazards.

Carrying proper workers’ compensation helps pay employee injury claims from these incidents.  It is available in all states. 

Relying solely on group health insurance leaves employers vulnerable. There are certain injury costs that health insurance might deny coverage for. Look for a policy that covers certain coverage needs of your venture against workers injury claims.

Our tailored worker’s compensation solution covers medical expenses, lost wages, rehabilitation services, and long-term care costs for injured employees per state statutes without considering fault.

We facilitate return-to-work and help control premium costs so you can run your ad agency hassle-free and grow your business.