Public Relations Firm Insurance Coverage Checklist
The coverages a public relations firm 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 public relations and communications firms. 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 / Communications Professional Liability | Covers defamation, privacy, and negligent misstatement. | Core | |
| General Liability | Covers events, press conferences, and premises. | Core | |
| Cyber / Privacy Liability | Covers breaches of embargoed or confidential material. | Core | |
| Workers' Compensation | Required for employees. | Core | |
| D&O (Private Company) | Covers conspiracy and interference claims against principals. | Prevalent | |
| Employment Practices Liability | Covers departing-partner and poaching disputes. | Prevalent | |
| Crime / Social Engineering | Covers fraudulent wire requests. | Prevalent | |
| Hired & Non-Owned Auto | Covers travel to media events. | Prevalent | |
| Regulatory / SEC Defense | Covers IR-related subpoenas and proceedings. | Situational | |
| Umbrella | Adds limits for high-profile defamation claims. | Situational |
The coverage gap most often missed
The gap most often missed by PR firms is the securities and intentional-acts exclusion. Many media E&O policies exclude securities-related statements and knowing acts — exactly what IR release cases and smear-campaign allegations involve. Firms with IR work should negotiate a securities carve-back and defense until final adjudication.
Send us the checklist and we'll review your public relations firm coverage line by line, then market it across multiple carriers that compete for your account.
Related: Public Relations & Communications Firm Insurance · Public Relations Firm Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a public relations firm business need?
The core coverages for a public relations firm business are Media / Communications 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 public relations firm 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.