Marketing and Media Insurance
Contact the team
Contact our Marketing and Media Insurance team today for a quick and simple quote.
Marketing and Media Insurance
Contact the team
Contact our Marketing and Media Insurance team today for a quick and simple quote.
We have the expertise to meet your insurance requirements as a Marketing and Media Professional
We believe that it is essential that marketing and media businesses are placed under a specialist media wording which provides cover for rectification, mitigation of loss and irrecoverable fees.
Many insurers have a media specific wording , but the cover under these differs greatly form one wording to another and it is important that your broker understands the cover each wording offers you as the client, and more importantly that you “the client”, understand the cover purchased and your obligations under the wording.
Marketing and media businesses, which includes advertising and publishing, were historically insured under a standard PI wording. However under a standard wording it required that a claim be made for a loss, which for the media industry would almost always be financial loss, arising as a result of the neglect, error or omission of the insured.
In reality this didn’t work as media professionals will normally be in a position to fix the problem before their client ever finds out about the problem. Alternatively, they might waive an outstanding bill or issue credit notes so as to preserve commercial relations with their clients. The end result is no third party claim for damages and therefore, which meant under a standard PI wording the claim would be invalid.
| Office contents (including multiple locations) | Directors and officers liability |
| Employment practices liability | Corporate legal liability |
| Trustee indemnity | Crime/fidelity |
| Public liability | Employer’s liability |
| Product liability | Business interruption |
| Group travel | Personal accident |
| Computers | Cyber liability |
| Overseas offices/staff | Intellectual property and patent risks |
| Kidnap and ransom | Identity theft |
| Medical malpractice | Legal expenses (including contract disputes) |
We have the expertise to meet your insurance requirements as a Marketing and Media Professional
We believe that it is essential that marketing and media businesses are placed under a specialist media wording which provides cover for rectification, mitigation of loss and irrecoverable fees.
Many insurers have a media specific wording , but the cover under these differs greatly form one wording to another and it is important that your broker understands the cover each wording offers you as the client, and more importantly that you “the client”, understand the cover purchased and your obligations under the wording.
Marketing and media businesses, which includes advertising and publishing, were historically insured under a standard PI wording. However under a standard wording it required that a claim be made for a loss, which for the media industry would almost always be financial loss, arising as a result of the neglect, error or omission of the insured.
In reality this didn’t work as media professionals will normally be in a position to fix the problem before their client ever finds out about the problem. Alternatively, they might waive an outstanding bill or issue credit notes so as to preserve commercial relations with their clients. The end result is no third party claim for damages and therefore, which meant under a standard PI wording the claim would be invalid.
| Office contents (including multiple locations) | Directors and officers liability |
| Employment practices liability | Corporate legal liability |
| Trustee indemnity | Crime/fidelity |
| Public liability | Employer’s liability |
| Product liability | Business interruption |
| Group travel | Personal accident |
| Computers | Cyber liability |
| Overseas offices/staff | Intellectual property and patent risks |
| Kidnap and ransom | Identity theft |
| Medical malpractice | Legal expenses (including contract disputes) |
Get in touch
Want to know more about Marketing and Media Insurance?
Our team are happy to help with any enquiries you may have about Marketing and Media Insurance as well as anything else we may be able to assist with.
Please use the details below:
Want to know more about Accountants Insurance?
Our team are happy to help with any enquiries you may have about Marketing and Media Insurance as well as anything else we may be able to assist with.
Please use the details below:
Your Travel Risk Professionals Team
Industry Leading Expertise
Alan Pattison
Travel Risk Professionals Managing Director
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Harry Morris
Travel and Tourism Account Handler
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Heidi Schlechter
Commercial Account Handler
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Emma Rutter
Travel and Tourism Underwriter
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Frequently Asked Questions
Is an online office insurance policy suitable liability protection for my business as a tour operator?
No – As a tour operator or travel agent you are exposed to a unique set of liability risks which are not generally covered by online or standard office insurance policies. Please seek specialist insurance advice on the suitability of your planned insurance arrangements, as the liability risk can be very costly.
I have a Tour Operator Liability policy. Does this cover for me for force majeure events?
Typically no. a Tour operator liability policy is generally intended to respond to claims made against you which arise out of the unintentionally negligent acts of you or your suppliers. You may still have an obligation to pay out refunds or compensation in a force majeure event, but this would typically fall under what is termed ‘ Travel Disruption Insurance’
How do I protect myself against the effects of one of my suppliers going bust?
This can only be protected against under a supplier failure or scheduled airline failure policy.
We transport passengers in our own company vehicles. Are we covered?
You have to make sure that your motor insurance or fleet policy covers you for this. In the same way if you operate marine craft, you would need to have a marine policy in force to pick up claims for any injury caused whilst in board a boat or in a vehicle owned or operated by you or your staff.
I have received charge backs as a result of a fraudulent credit card being used to pay for a flight. Can I claim under my liability insurance?
No – this would be viewed as a commercial risk outside of liability insurance
If my computer systems have been hacked, what insurance would I need to help me respond?
This would be a specialist Cyber & Privacy Insurance policy
Does the Tour Operator Liability policy cover claims made against me as Director personally?
No – the tour operator liability policy is designed to respond to claims made against the company. To provide legal defence costs cover in the event a claim is made against you personally