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Professional services

Marketing agencies

Advertising, marketing, PR, and creative agencies serving clients.

Why it needs cover

The exposure

Media/advertising E&O (copyright, defamation, campaign errors) is the defining exposure; cyber protects client data.

What we place

Coverages this class usually needs

Professional liability / media E&OOften (contract)
Copyright, defamation, campaign errorsCore creative exposure
General liabilityOften (lease)
Premises/third-party claimsOffice and client visits
CyberOptional
Client data breachStored client data
Business owners policy (BOP)Optional
GL + property bundleOffice/equipment
What it costs

National benchmark premiums

Rated on: Annual revenue and headcount

General liability
media/advertising GL averages $33/mo; marketing consultants $29/mo
Professional liability / E&O
media/E&O averages $78/mo; marketing consultants $55/mo
Cyber
professional-services cyber averages about $123/mo
Total annual (typical)
roughly $1,000-$2,500/yr for a small agency

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: Insureon (Media & Advertising / Marketing Consultant cost).

When it goes E&S

Where this risk gets hard to place

Large-brand campaign work and prior IP/defamation claims can move media E&O to specialty markets.

Contact

Talk to us about Marketing agencies.

Send the basics once. Our team and our AI agents route your risk to carriers with genuine appetite, package the submission, and handle the carrier follow-up.