Advertising insurance

What do advertising agencies do?

For any business, getting their name out there is vital to success – that’s where you come in. It’s an advertising agency’s job to ensure your clients products or services are getting out there in front of the right audiences. Is your time spent in the online space, or do you work with traditional channels such as TV, radio and out of home? Either way, reaching your clients target audience is pivotal.

What is business insurance for advertising agencies?

As an advertising agency, you might support a broad range of creative staff across multiple mediums. You’re used to making big creative leaps, but the work you do isn’t without practical risks too. That’s where business insurance comes in.

AXA’s flexible business insurance for advertising agencies helps give you peace of mind with products such as professional indemnity, employers’ liability, public liability, contents, and business equipment cover.

Why do I need insurance for my advertising agency?

You could be coming up against copyright issues, possible libel, and data breach issues. What would you do if you were sued by a client because the recommendations you provided caused them financial loss? Or if a client was visiting your office and got injured? Would you have the money to handle compensation costs and legal fees on your own?

Depending on the circumstances of your claim, there may be other repercussions to consider. For example:

  • Drop in your revenue from the inability to work
  • Unable to provide services due to damaged equipment
  • Loss of customers due to delays or cancellations

With AXA business insurance on your side, you can rest easy knowing you’re covered if the worst should happen.

Do I need advertising insurance if I’m a freelancer?

If you’re running your own business, then you’ll need to keep it safe somehow. Whether you’re working on full-time retainers or are working freelance, you’ll need to keep yourself protected.

AXA’s business insurance for advertising agencies lets you create a blend of cover to weather the possible challenges of running an advertising agency.

Public liability insurance will cover compensation and legal costs, if someone’s accidentally injured by your work – e.g., by a falling prop at a product launch event. Business equipment insurance will help protect your tablets, mobiles, and the other devices you use to stay connected to your audience.

For plans and designs you provide to clients, professional indemnity insurance can protect you if this advice is found to caused your client a financial loss.

What risks do advertising agencies face that they need to insure against?

When you’re working with creative material, customer information and brand reputations, you stand to face a whole host of risks. From issues with copyright and defamation to intellectual property infringement (perhaps inadequate permission for use of an image or piece of music used in a campaign) – there are plenty of risks that AXA can help you insure against.

You can customise the level of professional indemnity insurance you have with a range of add-ons:

  • Defamation
  • Breach of confidentiality
  • Business equipment
  • Loss of documents
  • Bodily injury (from breach of professional duty)


What kind of cover can I get?

Choose from the covers below and build an insurance policy the fits the bill.

Professional indemnity

Up to £5 million cover for advice, designs, recommendations or plans that you’ve drawn up, that are found to have caused a financial loss for a client.

Find out more about professional indemnity insurance

Employers’ liability insurance

£10 million cover for anyone who works for you (that includes part-time, weekend, temporary staff, interns, apprentices or any volunteers who work with you) in case they’re injured or fall ill as a result of working for you. Legally required if you have staff.

Find out more about employers liability insurance

Business equipment insurance

With this optional extra you you’ll get protection for laptops, mobiles, and other essential work tech as well as any other non-technical equipment that is needed to keep your business running efficiently, no matter your job description.

Find out more

Legal expenses

£1 million cover for specialist legal support including and a 24/7 legal advice helpline – simply add to any of our core covers for additional protection.


How much does advertising insurance cost?

No two business are exactly alike, which means no two policies cost the exact same either. Your policy cost will depend on several factors unique to your business, such as the level of cover you choose, where you work, how many (if any) employees you have, the size of your business, the value of your equipment and more.

Our customers pay from £82* a year for business insurance with AXA. Want to know how much your policy would cost? Simply head click the link below and get a quote. You’ll also get a 10%** discount for purchasing online, too.

Get a business insurance quote

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Optional extras

Business equipment cover

Mobiles, tablets and laptops – keep the technology that’s the lifeblood of your communications business protected with this equipment cover, and get help to replace damaged or lost devices.

Find out more

Legal expenses

£1 million cover for specialist legal support, a 24/7 legal advice helpline and specialist options – simply add to any of our core covers for additional protection.

Find out more

*10% of our customers paid this or less between January and March 2024.

**This discount is applied automatically and lasts for the lifetime of your policy.