Marketing Agency Insurance Coverage Checklist
The coverages a marketing 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 marketing, advertising, and digital agencies. Priorities reflect typical exposure; confirm against campaigns and media spend.
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 / Professional Liability | Covers infringement, defamation, and campaign-performance claims. | Core | |
| Cyber Liability | Covers breaches of client data and notification costs. | Core | |
| TCPA Coverage | Covers text and call campaign claims — excluded from most policies. | Situational | |
| Crime / Social Engineering | Covers client media funds lost to fraud. | Prevalent | |
| Business Owners Policy / GL | Covers office premises and property. | Prevalent |
The coverage gap most often missed
The most commonly missed gap for this class is coverage for campaigns the agency runs for clients. Text and call campaigns expose agencies to TCPA damages of $500 to $1,500 per message, and influencer and review campaigns draw FTC scrutiny — claims many media policies exclude. Agencies should confirm what their media liability covers, keep consent records, and require clients to substantiate their own claims.
Send us the checklist and we'll review your marketing agency coverage line by line, then market it across multiple carriers that compete for your account.
Related: Marketing Agency Insurance · Marketing Agency Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a marketing agency business need?
The core coverages for a marketing agency business are Media / Professional Liability, Cyber Liability. 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 marketing 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.