What you need to know
Advertising and marketing businesses create and distribute content on behalf of their clients and with that comes a set of professional and media liability exposures that standard business insurance does not address. When content causes harm whether through defamation, copyright infringement, or a campaign that doesn't perform as promised the question of who carries the liability can become complex and costly.
Stainton & Co. works with advertising agencies, marketing consultancies, digital marketing businesses, and creative studios to structure insurance programmes that cover the specific risks of the creative industry. This includes access to specialist media liability wordings that address the full scope of content-related risk.
What we help with
A comprehensive media and creative insurance programme, structured to protect agencies, consultancies, and content creators against media liability claims, professional indemnity exposures, and the full range of business risks — giving you confidence that the work you produce for clients will never put your own business on the line.
What's generally covered
Media Liability
Media liability insurance is designed for businesses that create, publish, or distribute content whether in traditional or digital media. It covers a range of content-related risks that fall outside standard professional indemnity and liability policies.
Defamation & Libel
Covers claims arising from content that is alleged to be defamatory, libellous, or slanderous whether published in advertising, social media, editorial, or broadcast media. Applies to content created on behalf of clients as well as your own business.
Copyright & Intellectual Property Infringement
Covers claims arising from the unintentional use of third-party intellectual property including images, music, text, and other protected content in campaigns or materials produced for clients.
Invasion of Privacy
Covers claims where content is alleged to have invaded an individual's right to privacy including the use of a person's image, likeness, or personal information without appropriate consent.
Breach of Confidence
Covers claims arising from the unintentional disclosure of confidential information belonging to clients, suppliers, or third parties.
Title & Slogan Infringement
Covers claims arising from the use of titles, slogans, or taglines that are alleged to infringe on a third party's registered trade mark or existing intellectual property rights.
Digital & Social Media Content
Cover extends to content published across digital channels including social media, websites, email marketing, and online advertising reflecting the reality of how modern advertising and marketing content is distributed.
Professional & Business Cover
Professional Indemnity (E&O)
Covers claims arising from errors, omissions, or failures in the professional services you provide including campaigns that underperform, strategic advice that causes client loss, or project delivery failures.
Public Liability
Covers legal liability for bodily injury or property damage caused to clients, contractors, or third parties in connection with your business operations.
Cyber Insurance
Covers data breach, ransomware, and cyber-related business interruption. Particularly relevant for agencies that hold client data, creative assets, and campaign materials.
Material Damage (Office Contents)
Covers physical loss or damage to office contents computers, screens, cameras, and equipment from fire, water damage, theft, and other insured events. Creative businesses often carry significant equipment value that should be accurately reflected in the sum insured.
Business Interruption
Covers loss of revenue following damage to your premises or contents. While staff may be able to work from home in the short term, there are still additional costs involved finding suitable alternative premises, connectivity, and the operational disruption that comes with an unplanned relocation.
Coverage terms, exclusions, and limits vary significantly between insurers. We recommend reviewing your programme carefully particularly if you create content for clients in regulated industries.