Errors & Omissions ยท Marketing & Media
Marketing and Media E&O for work that goes public.
Professional liability for PR firms, web studios and event producers, with IP and defamation cover written in. Placed with domestic and international underwriters, including Lloyd’s.
Domestic and international underwritersFor an instant quote
Who we write
Built for agencies whose work carries their client's name.
The program uses an IT, Tech & Media wording, so intellectual property, defamation and privacy claims tied to the insured’s services are part of the cover.
Freelancers and sub-contractors are a fact of agency life. Their errors are covered up to $250,000.
- PR and communications firms
- Web design studios
- Event producers
Applications and fact sheet
Download what your client needs to sign
- Technology, IT & Media applicationPDF, fillable
- E&O renewal applicationPDF, fillable
- Marketing & Media E&O fact sheetPDF, one page
Competitor applications are fine. Email any of them to submit@approvedcasualty.com.
Coverage
What the Marketing & Media program covers
Core professional liability for wrongful acts in the insured’s professional services, plus these additional coverages.
| Coverage | Limit |
|---|---|
| IP infringement and defamationCopyright, trademark, plagiarism, privacy, libel | $100,000 |
| Breach of contractUnintentional breach in delivering professional services | Included |
| Sub-contractors vicarious liabilityErrors by freelancers and sub-contractors | $250,000 |
| Contingent bodily injury and property damage | Included |
| Network security and privacy liability | $100,000 |
| Dishonesty of employees | $100,000 |
| Loss of documentsNo deductible applies | $100,000 |
| Regulatory investigationsDefence expenses | $50,000 |
| Payment of withheld fees | 50% to $25,000 |
Sub-limits in CAD. They sit within, not on top of, the policy limit.
Built into every policy
- Defence costs paid on top of the limit*
- Duty to defend, even on groundless claims
- Worldwide territory; US exposure up to 20%
- 60 days after expiry to report a claim
- Retro date and prior acts kept on rollover
- Optional CGL to package the account
*Network security and privacy claims and US-jurisdiction claims pay defence within the limit.
Why it fits media work
Hire freelancers? This wording answers for errors your sub-contractors make, up to $250,000, plus IP and defamation claims tied to your services. Contingent bodily injury and property damage are included for event work.
How placement works
From submission to bound, without the back-and-forth.
1
Start the quote
Enter the risk at quote.approvedcasualty.com, upload last year’s policy, or email the application to submit@approvedcasualty.com. Competitor applications are fine.
2
See the indication
Standard risks price on screen in about 60 seconds. Accounts that need a closer look go to an underwriter, with terms back within 48 hours.
3
Place it with our team
You get the completed application to forward to your client. Our underwriters follow up with you, not around you.
Program at a glance
- Limits
- Up to $5M
- Minimum premium
- $515
- US exposure
- Up to 20%
- Form
- Claims-made, worldwide territory
- Security
- Domestic and international underwriters, including Lloyd's
- Wording
- IT, Tech & Media E&O wording
Outside this appetite?
Advertising agencies sit outside this program. Our Hard-to-Place Facility writes them. Send the file the same way and we will route it.
FAQ
Marketing & Media E&O questions brokers ask
Are copyright and defamation claims covered?
Yes. Intellectual property infringement and defamation arising from the insured's professional services are covered with a $100,000 sub-limit, including privacy, plagiarism and trademark claims.
Are freelancers covered?
Claims arising from wrongful acts of sub-contractors the insured engages are covered up to $250,000.
Are advertising agencies eligible?
Advertising agencies sit outside this program, but our Hard-to-Place Facility writes them. Note that the wording excludes claims for false or misleading advertising.
Can I package CGL for event producers?
Yes. Optional CGL is available so you can place both lines in one submission.
What size of account can you write?
Limits go up to $5M, with US exposure up to 20%. Standard risks quote on screen in about 60 seconds. Larger or unusual accounts go to an underwriter, with terms back within 48 hours.
Got an agency to place?
Standard risks quote in about 60 seconds. Our application or the incumbent’s, any way you like to send it.
Other E&O programs
This page summarizes coverage for broker information only. Coverage is subject to the policy wording, terms, conditions, exclusions and underwriting acceptance. Limits and sub-limits in CAD; sub-limits sit within the policy limit.