Advertising Agency Insurance Coverage Checklist
The coverages an advertising agency business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for advertising and creative agencies. Priorities reflect typical exposure for this class; confirm against your actual services, contracts, and clients.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Media / Advertisers Professional Liability | Covers infringement, defamation, and errors in creative work. | Core | |
| General Liability | Covers shoots, events, and premises. | Core | |
| Cyber / Privacy Liability | Covers client data, tracking pixels, and breach response. | Core | |
| Workers' Compensation | Covers employees and on-set crews. | Core | |
| Regulatory Defense (FTC / AG) | Covers deceptive-advertising investigations. | Prevalent | |
| Hired & Non-Owned Auto | Covers staff driving to shoots and meetings. | Prevalent | |
| Crime / Funds Transfer Fraud | Covers client funds and fake wire instructions. | Prevalent | |
| Employment Practices Liability | Covers harassment and termination claims. | Prevalent | |
| Production Package | Covers equipment, props, and shoot-day losses. | Situational | |
| Umbrella | Adds limits for large brand and indemnity claims. | Situational |
The coverage gap most often missed
The gap most often missed by agencies is contractual indemnity. Agency agreements usually require you to indemnify the advertiser for infringement, but many media E&O forms exclude assumed liability. Confirm the policy covers contractual indemnity for IP claims, and look for exclusions that could catch AI-generated content.
Send us the checklist and we'll review your advertising agency coverage line by line, then market it across multiple carriers that compete for your account.
Related: Advertising Agency Insurance · Advertising Agency Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an advertising agency business need?
The core coverages for an advertising agency business are Media / Advertisers Professional Liability, General Liability, Cyber / Privacy Liability, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my advertising agency coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.