Insurance for Marketing and Media Businesses

Whilst not an exhaustive list of cover or detailed cover summaries, some of the main covers you should consider are:

• Professional Indemnity Insurance
  This policy protects businesses that provide advice, design or consultancy services. It covers your business for any mistakes in the services you provide, contract disputes and IP infringement.
• Media Liability Insurance
  Automatically can be included in professional indemnity policies, media liability is essential for marketing, advertising, media, PR and digital agencies to cover for negligence in media content and advertising, including websites, blogs and social media. It can cover claims arising from IP infringement, breach of confidentiality, right to privacy, and breach of comparative advertising regulations.
• Cyber Insurance
  No business is immune to a security breach, even if you have the most secure security in place. More than half of the UK businesses suffered from a cyber-attack in 2019. Cyber Insurance ensures both your data, and your liability for client data, are protected.
• Public Liability Insurance
  Relevant for most businesses, public liability insurance covers claims to do with physical damage or injury to anyone or anything that doesn’t involve an employee.
• Employers’ Liability
  If you have employees, Employers’ Liability Insurance is a legal requirement. Not having it could result in a £2,500 fine for every day you don’t have it.
• Directors’ and Officers’
  Also known as Management Liability Insurance, D&O Insurance covers your directors or management team against negligence claims from employees, the public or investors.