Advertising, Graphic Design & Media Business Insurance

Business Insurance

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Why Advertising & Media Firms Need Business Insurance

In your profession, you succeed when your creative work and innovative marketing ideas meet your client’s expectations. While creative marketing work can be very rewarding, its subjective nature can expose your business to higher levels of risk. Learn about the insurance coverages advertising agencies, media professionals, and graphic design firms like yours typically purchase from The Hartford.
 

Business Owner’s Policy

Most small advertising agencies, graphic design, or media services businesses have a Business Owner’s Policy (BOP). Why? Because BOP insurance helps protect your advertising agency, small media or design business in much the same way a homeowner’s policy helps protect your home and personal possessions.
 
By combining three basic coverages that are important to virtually every small business, a BOP can help graphic designers, media professionals, and advertising agencies save money on insurance rates while safeguarding what their agency worked hard to build. 
 
  1. General Liability – helps protect small advertising agencies, graphic design, and media services businesses from certain lawsuits alleging injuries or property damage that occurred as the result of business operations, like if an advertising customer is injured at your agency or one of your media professionals causes damage to a customer’s property. It even helps cover certain claims of slander and libel against your advertising or design agency. Business Liability does not cover liabilities directly arising out of the professional advertising, graphic design, or media services you may provide.
  2. Commercial Property – helps protect the place where you do business and the things you use to conduct your advertising, graphic design or media business, like graphic design tools and media equipment, whether you own or lease them.
  3. Business Income – helps cover the loss of income when you can’t run your advertising, graphic design, or media service business because of covered property damage.
Learn more about our Business Owner’s Policy for your advertising, graphic design or media business.
Easily Add Optional Insurance Coverages to a Business Owner’s Policy
Professional Liability insurance helps cover the costs and legal fees your advertising or graphic design business may incur in the services it provides. For example, a former client is claiming that a logo you designed for them is causing them to lose business. Professional Liability insurance can help cover the expenses your business might incur as a result. Learn more about Management & Professional Liability insurance.
 
Advertising agencies, graphic design, and media businesses often store sensitive information about their employees and clients, including Social Security and debit/credit card numbers. And if that information is lost or stolen, it could leave an agency, media, and design business vulnerable to lawsuits and a damage reputation.

Data Breach Coverage helps pay the costs of notifying impacted individuals, managing public relations, good faith advertising, and more if personally identifiable information is lost or stolen.
 
 
Advertising, graphic design and media services businesses may be sued by current or former employees who claim wrongful termination, retaliation, discrimination or harassment. For example, if your business was sued by a disabled employee who claimed your company did not provide necessary and reasonable accommodations, EPL may help cover your business’s legal costs associated with the claim.
 
Employee Benefits Liability insurance may help cover costs to your advertising or graphic design firm that arise from claims that errors or omissions were committed in the administration of your company’s employee benefits plan. For example, if an employee claims that a clerical error prevented him from receiving the full amount of his health benefits, Employee Benefits Liability coverage may help cover the costs to your company associated with that claim.
When you work off-site, Limited Care, Custody or Control Property coverage may help cover the costs to your advertising or graphic design business in the event a customer’s property is damaged while in your care, custody or control. For example, if you damaged a client’s property while installing a sign you created, this coverage may help cover the costs your company incurs related to the damage claim.
Bundle Insurance Coverage for Advertising, Graphic Design & Media Services
It’s easy to increase your advertising, graphic design and media services businesses BOP protection at an affordable price with The Hartford’s Stretch® endorsements that bundle valuable key coverages. For advertising, design or media firms like yours we offer:
 
  • Basic Stretch
  • Super Stretch
  • Super Stretch for Business Services
     
Contact an agent or a representative from The Hartford about these cost-effective solutions that help take the guesswork out of selecting the right coverage for your advertising, graphic design or media business.

Additional Solutions

If you have employees, use a car for work, or work from home, your advertising, graphic design or media services business may also benefit from:
Other Insurance Options for Advertising, Graphic Design & Media Services
Required by most states, workers' compensation insurance provides benefits to your employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. And if the worker’s family decides to sue you, coverage can help you with related legal fees.

Businesses, including those in advertising, graphic design, and media, have been turning to The Hartford for workers' compensation insurance coverage for more than a century. 
 
Do you ever use your own car to meet a client, pick up office or art supplies, attend a design conference, or for other activities related to your advertising, graphic design, or media work?

A Business Auto Policy provides coverage generally not included in a personal auto policy. It can cover you or an employee of your advertising, graphic design or media business, when an owned vehicle, used for business purposes, is involved in an accident. 
 
If you run your advertising, media services, or graphic design business out of your home, you probably want a Business Owner’s Policy (BOP). A BOP provides insurance coverage for small home-based businesses – including advertising agencies, media professionals, and graphic design firms – that is not generally available with a homeowner’s policy. 

Ask yourself, “Do I have advertising, graphic design or media services customers come to my home, do I receive business packages at my home, do I have employees or inventory in my house?” If so, your agent or a representative from The Hartford can help you select the right coverage to protect your home-based advertising, media services, or graphic design business.

Learn More About Home-Based Business Insurance
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.