Comprehensive Protection Tailored for Advertising Agencies

Our Professional Liability Insurance is specifically engineered for the advertising industry. For over two decades, we’ve partnered with AXIS, a leading Carrier renowned for their deep understanding of advertising operations, risks, and claim patterns.

This specialized program was developed through collaboration between AXIS, 4As Benefits, and a dedicated task force of 4As member agencies. This collaborative approach ensures protection that addresses the full spectrum of exposures agencies face in today’s complex media landscape.

Core Coverage Protection

Our Professional Liability program provides essential protection against claims relating to:

  • Defamation and Trade Libel: Including statements made in comparative advertising
  • Likeness and Name Appropriation: Protection against look-alike and sound-alike claims
  • Copyright Infringement: Coverage for alleged misuse of protected creative works
  • Unfair Competition: Including false advertising and misrepresentation allegations

Customization Options

Agencies can tailor protection with optional coverage extensions:

  • Contingent Bodily Injury/Property Damage: Protection for physical harm scenarios
  • Claim Expense Outside Limits: Preserving policy limits for settlements or judgments
  • Split Limits: Separate protection for each wrongful act and aggregate exposures
  • Prior Acts Coverage: Protection for claims arising from work before policy inception
  • International Claims: Coverage for actions brought outside the United States

Digital Protection Endorsements

In today’s interconnected environment, digital exposures require specialized protection:

  • Cyber/Technology Services: Coverage for digital media and technology operations
  • Security and Privacy Liability: Protection for data breach and privacy violations
  • Regulatory Action Defense: Coverage for government investigations and actions
  • Crisis Management: Support for reputation management during incidents
  • Computer System Extortion: Protection against ransomware and digital threats

Important Note: Cyber and Technology risks are typically NOT covered under standard General Liability or basic Professional Liability policies. If you’re uncertain about your protection, review your current policy or send it to us for evaluation. We are happy to help ensure proper coverage.