Talent & Modeling Agency Insurance Coverage Checklist
The coverages a talent & modeling 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 talent agencies, modeling agencies, managers, and influencer agencies. Priorities reflect typical exposure for this class; confirm against your actual talent and services.
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 |
|---|---|---|---|
| Professional Liability (Talent Agency E&O) | Covers claims of bad advice, missed bookings, or contract errors. | Core | |
| Abuse & Molestation / Sexual Misconduct | Covers allegations involving talent, especially minors — usually excluded elsewhere. | Core | |
| General Liability | Covers injuries at your office, castings, and events. | Core | |
| Employment Practices Liability (incl. Third Party) | Covers harassment claims by staff and by talent. | Core | |
| Crime / Fidelity | Covers theft of talent earnings held in trust. | Prevalent | |
| Media Liability | Covers use of talent images, likeness, and publicity claims. | Prevalent | |
| Cyber / Privacy Liability | Covers talent personal data and online portfolios. | Prevalent | |
| Workers' Compensation / Employer's Liability | Covers staff — and talent where they are employees. | Core | |
| License / Surety Bond | Required for talent agencies in many states. | Prevalent | |
| Hired & Non-Owned Auto | Covers staff driving talent to bookings. | Situational |
The coverage gap most often missed
The gap most often missed by talent and modeling agencies is misconduct coverage. Agencies send young people to shoots with clients and photographers they don't control, and abuse and harassment claims are usually excluded from GL and E&O. Fee and wage disputes are the other risk — models sued six New York agencies in 2016 over deductions and housing charges. Add abuse and third-party EPL coverage, and keep talent money in a trust account.
Send us the checklist and we'll review your talent & modeling agency coverage line by line, then market it across multiple carriers that compete for your account.
Related: Talent & Modeling Agency Insurance · Talent & Modeling Agency Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a talent & modeling agency business need?
The core coverages for a talent & modeling agency business are Professional Liability (Talent Agency E&O), Abuse & Molestation / Sexual Misconduct, General Liability, Employment Practices Liability (incl. Third Party), Workers' Compensation / Employer's 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 talent & modeling 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.