How to Apply for Professional Liability Insurance
Securing Professional Liability insurance (also known as Errors & Omissions coverage) for your advertising agency involves a straightforward application process designed specifically for creative enterprises. We’ve streamlined the steps to ensure you can obtain this essential protection with minimal administrative burden.
As a 4As member, you benefit from exclusive access to Professional Liability coverage tailored to the unique exposures agencies face, from copyright issues to campaign performance disputes. Our application process focuses on understanding your agency’s specific risk profile to deliver appropriate coverage.
Application Process Overview
Securing comprehensive Professional Liability protection for your agency follows these simple steps:
1. Complete the Application
The Professional Liability application gathers essential information about your agency’s operations:
- Agency profile including size, structure, and locations
- Service offerings and types of advertising/marketing work performed
- Client portfolio including industry sectors served
- Risk management practices currently in place
The application is designed specifically for advertising agencies, focusing on the information most relevant to assessing creative enterprise risks.
2. Submit Through Your Broker
Once completed, the application can be submitted through your existing insurance broker:
- Work with your current broker who will submit the application to the appropriate underwriters
- Receive the exclusive 4As member discount of 15% automatically applied to your premium
- Benefit from the cumulative “no claim discount” of up to 5% per year (maximum 25%)
3. No Broker? We Can Help
If you don’t currently work with an insurance broker familiar with agency professional liability:
- Connect with a 4As preferred broker who specializes in advertising industry risks – contact us for 4As member agency preferred pricing and best-in-class broker introduction.
- Receive guidance from professionals who understand the unique exposures agencies face
- Benefit from streamlined processing by working with brokers experienced with our program
4. Review and Implement Coverage
After submission, the final steps ensure you receive appropriate protection:
- Review coverage options and limits based on your agency’s specific needs
- Address any underwriting questions that arise during the review process
- Implement your policy with confidence knowing you have industry-specific protection
Getting Started
We understand the unique risks advertising agencies face. Protecting your agency from professional liability claims begins with completing the application. Contact us to request the Professional Liability application or to be connected with a 4As preferred broker who specializes in advertising agency coverage.
