Public Relations Firm Insurance Coverage Checklist

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.

Core almost always needed · Prevalent commonly carried in this class · Situational depends on specific exposure

Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.

Have it?CoverageWhy this business needs itPriority
Media / Communications Professional LiabilityCovers defamation, privacy, and negligent misstatement.Core
General LiabilityCovers events, press conferences, and premises.Core
Cyber / Privacy LiabilityCovers breaches of embargoed or confidential material.Core
Workers' CompensationRequired for employees.Core
D&O (Private Company)Covers conspiracy and interference claims against principals.Prevalent
Employment Practices LiabilityCovers departing-partner and poaching disputes.Prevalent
Crime / Social EngineeringCovers fraudulent wire requests.Prevalent
Hired & Non-Owned AutoCovers travel to media events.Prevalent
Regulatory / SEC DefenseCovers IR-related subpoenas and proceedings.Situational
UmbrellaAdds 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.

Not sure you have everything on this list?

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.

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.

Protect What You’ve Built

When everything you’ve built is on the line, a quote isn’t enough. Tell us about your business and receive a considered assessment — not a form letter.