Marketing agency and advertising firm insurance in North Carolina

What insurance does a NC marketing agency need?

Core coverages include: professional liability or advertising agency E&O (covering claims from marketing and advertising services, including campaign failures and media errors); media liability (copyright infringement, defamation, invasion of privacy in content produced); GL; commercial property; cyber liability; and workers comp for employees.

What is media liability insurance for marketing agencies?

Media liability covers claims arising from content created, published, or distributed by the agency, copyright or trademark infringement, defamation, invasion of privacy, false advertising, and errors in content. Standard GL advertising injury coverage is limited and often inadequate for a marketing agency's exposure. A dedicated media liability policy provides broader protection.

What professional liability do NC marketing agencies need?

Advertising agency E&O covers claims arising from professional marketing services, a campaign that does not produce promised results, media buy errors, missed deadlines, or budget overruns. It is the professional liability analog for marketing services, covering financial harm to clients from professional errors.

What cyber liability do NC marketing agencies need?

Marketing agencies often handle client data (customer lists, CRM data, campaign analytics) and manage client social media and digital accounts. A data breach or unauthorized access to client accounts creates liability. Cyber liability covers breach response and client claims arising from cyber events.