Your Questions About Creative Protection, Answered
Professional Liability Insurance can feel complex, but protecting your agency’s creative work doesn’t have to be confusing. Our specialists have compiled answers to the most common questions advertising and marketing agencies ask about professional liability coverage.
These FAQs address the real-world scenarios agencies face, from copyright concerns to client disputes, and help you understand how our specialized coverage protects your creative enterprise. If your specific question isn’t covered here, our team is always available to provide personalized guidance.
What exactly does Professional Liability Insurance cover for advertising agencies?
Our coverage protects against claims arising from your creative work, including defamation, copyright infringement, using someone’s likeness without permission, and unfair competition allegations.
How is Professional Liability different from General Liability Insurance?
General Liability covers bodily injury and property damage, while Professional Liability covers claims arising from your professional services and creative work—like copyright disputes or advertising content issues.
Do we need cyber coverage if we already have Professional Liability?
Yes. Our Cyber & Technology endorsement covers digital-specific risks that aren’t included in traditional Professional Liability policies—this is critical coverage that most agencies overlook.
What’s the automatic 15% discount for 4As members?
All 4As member agencies receive an automatic 15% premium discount, plus you’re eligible for additional “no claim discounts” of up to 5% per year (maximum 25%) for maintaining a clean claims record.
How do coverage limits work for Professional Liability?
You can choose per-claim limits and aggregate annual limits. We’ll help you determine appropriate limits based on your agency size, client types, and risk exposure.
What if a client sues us for campaign performance issues?
This depends on your contract language and the specific allegations, but our coverage can protect against certain performance-related claims that fall under covered wrongful acts.
Are freelancers and independent contractors covered under our policy?
Coverage typically extends to work performed by contractors on your behalf, but we recommend reviewing specific arrangements with our underwriting team.
What about international work or campaigns that run overseas?
We offer optional coverage for claims brought outside the U.S.—essential for agencies working with global brands or international campaigns.
