E & O Insurance

Advertising Agency Liability Insurance

Our Advertising Agency Liability program is designed for the advertising industry and includes the following:

•Policy is issued on an Occurrence form

•Policy provides Worldwide coverage

•Punitive and exemplary damages are included in the definition of Damages (where permitted by law)


Basis Personal Injury coverage including libel in all forms, invasion of privacy, rights of publicity, etc., plus supplemental personal injuries including false arrest, malicious prosecution, trespass, eavesdropping or other invasions of the right of private occupancy;

•Optional “Business Operations” personal injury coverage is available to provide personal injury coverage for the usual and ordinary transactions pursuant to the business operations of the Insured. This is available if the Insured’s General Liability policy excludes all personal injury coverage, not just that related to the creation of advertising for others;

•Intellectual property right coverages such as copyright infringement, plagiarism, misappropriation of ideas, plus coverage extended to include infringement of trademark, title, slogan, trade name, trade dress, service mark or service name;

•Claims arising out of false advertising, misrepresentation in advertising, unfair competition are specifically covered by named perils;

•Legal costs for injunction relief are covered;

•Payments toward your own declaratory relief actions and rectification costs are covered

•Coverage is “A” rated by A.M. Best and written on admitted paper

•Primary and Excess limits available

•No hammer clause for claim settlement

•Blanket Additional Insured coverage with broad Additional Insured language

•Defense costs are covered either within the limit of insurance or in addition to the limit of insurance.

Optional Coverage

For claims arising out of negligent acts, errors or omissions can be provided, such as:

•Mistakes in ad copy

•Missed deadlines

•Errors in providing services (i.e. PR or market research) for clients

The Errors & Omissions coverage can even be extended to include Contingent Bodily Injury/Property Damage coverage.

•Professional Services

•Technology Activities

•Enhanced Privacy Liability

•Hacker Damage (1st party loss)

If you have any questions, please contact us.