Business insurance for advertising and creative professionals
Advertising and the creative industries are often driven by passion, so insurance can back you up financially against various risks and help you concentrate on doing what you love.
Your work likely requires talented digital professionals, so if you employ staff, employers’ liability insurance may become a requirement. For advertising agencies and freelance creatives, client complaints can lead to court cases, so it’s good to know there’s indemnity insurance to assist with related costs.
From accidents at marketing events to cyber-attacks on your image database, the risks are many – our business insurance can be tailored to fit the creative work you do.
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Advertising and creative professions that Hiscox covers
Marketing and media
Marketing consultants, media relations companies and creative agencies can all face problems if clients take issue with work. It might be a simple case of miscommunication, but in a field with legal standards to contend with, it may be reassuring to have indemnity insurance that can deal with these.
Photographers
Professional photographers capture more than just images – from wedding photographs to commercial snaps, you showcase human connections. Liability insurance can offset the risk of accidents, while indemnity cover can step in when a client claims you’ve made a mistake.
Videographers
Insurance can help to safeguard videographers against risks affecting the lights, camera and action you rely on. When you face a bill for video camera repairs, the right business insurance policy can lend a hand.
Graphic designers
Precise work calls for tailored business insurance to match. Graphic designers can face copyright complaints which professional indemnity insurance can help to defend against. Self-employed graphic design professionals might also add liability insurance to help prevent studio accidents impacting your finances.
Event organisers
Busy environments can lead to injuries and court cases, so event organisers often lean on liability insurance to reduce the risk of financial losses. Event organising is meticulous business, so mistakes can happen – and if they’re made by your contractors, our indemnity insurance can cover these too.
Wedding planners
Weddings are events unlike any other, and with so much at stake, even small problems might create headaches. If your laptop is stolen the week before a big event, then you’ll need a swift replacement in order to access table plans, invoices and schedules.
Digital marketers
Data is important for many digital professionals. You might work in public relations or biddable media – either way, a cyber-attack could bring things to a halt. Public liability and professional indemnity can provide financial protection too.
Copywriters
The written word is a powerful tool, as copywriting professionals know. Missed turns of phrase can lead to defamation lawsuits – and you may need to take legal action if a partner fails to pay. Insurance can be tailored to help agencies and solo professionals with this and other risks.
Writers and authors
Promotional events, contractual disputes and equipment issues could all pose risks for writers. Tailored insurance can offer support, whether you pen books, articles or scripts.
Publishers
The digital revolution has given publishers more places than ever to spread the word. But with greater opportunity comes more responsibility. Insurance can help to protect you against unforeseen events.
TV and film producers
Film and TV sets are busy places with lots of moving parts. That leaves producers open to risks, from crew member injuries to copyright infringements. Business insurance offers protection against the unexpected.
Marketing consultants
As a marketing consultant you're shaping your clients' strategies for selling their products and services. But what if your services fall out of shape? Business insurance can offer a safety net. Say you've provided negligent advice; professional indemnity cover could provide financial support.
Artists
Studio damage could leave you counting the costs. Choosing the right insurance can help an artist to protect both their work and hard-earned reputation.
Key types of insurance for advertising and creative businesses
At Hiscox, we take a profession-by-profession approach to business insurance, so the exact covers available will depend on what you do. Generate a quote or speak to the experts to find out what’s available to your specialism.
Professional indemnity insurance
Professional indemnity insurance helps advertising agencies, consultants and creatives to deal with the risks that come with providing services and advice. It could help freelance digital professionals who stand accused of negligence to pay legal fees and compensate clients. It can also help against industry-specific risks, such as breaching advertising regulations. Breach of contract is covered as standard within Hiscox PI insurance as we understand a large portion of claims can arise from such incidents. This cover can also help with rectification costs in the event of an out of home misprint that negatively affects your client.
Public liability insurance
No matter how small your creative business, anyone could take you to court if they’re injured or their property is damaged due to your work. Marketing consultants and independent creatives attend corporate meetings, which come with a risk of accidents.
Cyber and data insurance
Cyber insurance can be helpful to digital professionals, but any business that uses the internet can be exposed to risks. If a mailing list error leads to a serious data breach, this cover can help advertising agencies and freelance creatives with funding investigations.
Personal accident insurance
Creatives often work solo, but even when you’re in a team, your skills may be hard to come by. Personal accident insurance helps financially if you, or a key employee at your marketing or creative business, is put out of action by an accidental injury.
Employers’ liability insurance
Marketing and advertising agencies often need staff to keep ideas flowing, as do consultants and independent professionals. Employers’ liability insurance is, in many cases, a legal requirement (external link) for anyone with staff.
Legal protection insurance
Professionals within the marketing and creative sphere often work in a collaborative, client-focused way. Legal protection cover can assist with legal costs if you face issues with client contracts or employment disputes.
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