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Advertising agencies create advertising campaigns for their clients with the intention of placing advertisements in media outlets including newspapers, magazines, radio and television. These agencies may create advertisements as well as place them in media, only write advertising copy, only develop art and graphics for advertisements or focus solely on placing advertisements in media.

General Liability Insurance for Advertising Agencies – Premises liability lawsuits may occur when customers or the public suffers injuries at advertising agencies’ offices or at off-site photo and/or video shoots. All furniture and displays should have smooth surfaces that are free of defects, such as sharp corners, exposed nails/screws/metal, splinters, cracked glass, etc. Furniture and displays should also be stable to avoid any tip over hazards.

Professional and Advertising Liability for Advertising Agencies – Since the activities of advertising agencies involve making claims about products, the chances of a lawsuit occurring in the case of a false claim is high. Lawsuits could also take place if advertising agencies infringe upon copyright or trademark laws. Ads should be proofread and verified prior to publishing.

Workers’ Compensation Insurance for Advertising Agencies – Since employees of advertising agencies may engage in business travel, there is a chance of injuries or other losses occurring during car or air travel instances in the United States as well as overseas. The risk level depends on the amount of business travel taking place. Injuries could also occur to employees if chemicals are used in photo processing. Proper usage of the chemicals and adequate ventilation systems and air circulation should be required.

Business Auto Insurance for Advertising Agencies – The chances of on-the-job automobile accidents occurring depends on the frequency of the advertising agency’s automobile use. Employees may use their own vehicles, company-owned vehicles and/or rented vehicles for business purposes. Drivers under the age of 25 may increase the auto liability risks in addition to frequent travel by employees during rush hour traffic. The radius of travel will also directly impact the risk of automobile accidents. Overseas automobile rental may take place as well.

Property Insurance for Advertising Agencies – The property of an advertising agency that is subject to loss due to fire or theft may include the agency’s office itself as well as studios containing design graphic, photographic, artistic, visual or audio equipment and materials. The most common ignition sources in advertising agencies comes from the chemicals used in artwork and film developing, in addition to faulty wiring, overheating electrical equipment, and smoking. Flammable chemicals should be properly used and stored and a “no smoking” policy should be in place. Items carried out of the office by employees may also be subject to damage and/or loss, including portable display equipment and computers.

Crime Insurance for Advertising Agencies – The primary crime risk at advertising agencies is employee theft. This risk is elevated if equipment is not inventoried regularly and kept in a locked location. Financial controls should be in place, such as countersignature on checks and requiring separation of duties for bank statement reconciliation and depositing and withdrawing from accounts.