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One in 45 small business owners experience a claim
Based on Hiscox claim data from 1/1/2016-1/30/2019
Eligible Professions
- Advertising
- Brand consultant
- Digital marketing
- Market research
- Marketing/media consulting
- Public relations
- Search engine services (SEO/SEM)
- Social media consultant
- Other marketing/PR services
Common Risks for Marketing Services
- Bodily injury
- Defamation, libel, slander
- Dissatisfied client
- Loss of client revenue
- Lost or damaged equipment
- Negligence
- Third-party equipment damage
- Trademark infringement
- Copyright infringement
- And much more
The Curcuru Agency Bundle for Marketing Services
GENERAL LIABILITY (GL)
Protects your business from a third party’s claims of bodily injury, property damage, and personal injury like slander and libel.
PROFESSIONAL LIABILITY (PL)
Also known as errors and omissions, or E&O, coverage, this protects you from claims of negligence during the course of conducting business. You’re protected even if you haven’t made a mistake.
Claim Scenarios for Marketing Services
GL CLAIM EXAMPLE
Third-party property damage:
You are market research consultant delivering a presentation at a client’s site. During the presentation, you knock an expensive projector off the conference table, breaking it. The client files a claim to recover the cost of the projector. General liability insurance protects against third-party property damage, and would cover the cost to replace the item.
PL CLAIM EXAMPLE
Negligence:
You are a media consultant working on an ad campaign for a new product, and you place ads in several print trade publications. The largest of the publications placed the ad on a page directly opposite a competitor’s ad for a similar product. The client sues you for negligence. Professional liability insurance protects against claims of negligence, and will appoint an attorney to defend you if needed, even if you haven’t made a mistake.