Professional indemnity

In case a client loses money because of your advice, services or designs.

What’s typically covered by advertising agency professional indemnity insurance?

Claims against your business for:

• mistakes in the advice you give, which lead to a financial loss for your client
• errors in your certification services that mean a client loses out financially
• negligence in your advice or services that becomes costly for your client

For example:

• your advice on improving a client’s business performance leads to a financial loss for them
• you deliver the wrong certification and training that’s costly for your client to fix
• you make a mistake in a client’s tax return that leads to an HMRC fine

Read more about professional indemnity insurance

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public liability insurance for a marketing agency?

Claims against your business for:

• damage to someone’s property, caused by your business activities
• illness or injuries as a result of your business
• employees causing accidental damage or injuries

For example:

• while hosting a meeting, you leave a cable running across the open office floor and your client trips, spraining their ankle
• you serve a client sandwiches with a trace of sesame seeds, causing an allergic reaction
• your employee drops heavy equipment on your client’s floor, causing extensive damage

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your agency

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury that happens as a result of working for you (including temps and casual workers)
• an employee, including a contractor or casual labourer, suing you after falling ill because of working for you

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• your employee injures their lower back while moving furniture at your premises and holds you responsible
• an employee cuts their hand on a damaged countertop and sues you for operating an unsafe workspace
• a member of staff trips over while unloading business equipment, injuring their knee

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business contents insurance?

Claims against your business for:

• accidental damage to your contents, or the equipment you use to run the business
• theft, flood, and fire damage

For example:

• someone breaks into your business premises and steals three company laptops, as well as two sets of headphones
• a faulty dishwasher floods your office kitchen, causing damage to several appliances
• your business equipment is damaged by vandals during a break-in

Read more about busines contents insurance

Business legal insurance

In case you’re hit with legal expenses connected to your agency.

What’s typically covered by business legal insurance?

Claims against your business for:

• costs and expenses for disputes relating to debt recovery, including judgement enforcement
• disputes with debt collectors, or any party who takes legal action against you, as a result of identity theft
• costs and expenses for contractual disputes arising from an agreement

For example:

• one of your clients isn’t happy with your work and believes you haven’t met the contractual requirements
• someone gets access to your company’s bank details and uses them to buy goods and services
• your client is disputing a contract they had with you on the provision of a service

Read more about business legal insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

Claims against your business for:

• an accidental injury or death suffered by anyone who’s named on the policy (whether it happens at work or elsewhere)
• medical costs and hospitalisation benefit, as well as income lost by your business

For example:

• your office manager – who you’ve covered on the policy – injures their back at the gym and can’t work at full capacity for a month
• you suffer a serious burn while cooking and need to take time off work for treatment
• one of your employees breaks their arm while playing football, and can’t work at full capacity for three weeks

Read more about personal accident insurance

Buildings insurance

In case something happens to your business premises.

What’s typically covered by business building insurance?

Claims against your business for:

• the cost of structural repair (or rebuilding from scratch) following damage to your building
• damage to fixtures and fittings
• underground pipes and cables that you’re responsible for

For example:

• someone vandalises your shop with graffiti, which you need removing ASAP
• your shop’s non-slip rubber flooring gets damaged during a refurb and needs replacing
• a non-supporting wall in your building has been damaged and needs replacing

Read more about business buildings insurance

Excess insurance

In case you need to make a claim on your ad agency policy.

What’s typically covered by excess insurance?

Claims made by you for:

• the cost of the excess you’d have to pay when making a claim on a cover included in your marketing agency insurance policy

For example :

• strong winds cause severe damage to the roof of your property – you don’t have to pay the £250 excess thanks to your excess insurance
• a guest accidentally breaks a television during their stay at your property and thanks to your excess insurance, you don’t need to pay excess on the claim
• a guest’s child trips on a loose carpet and breaks their arm – they claim compensation and you don’t pay excess due to your excess insurance