PR Firm Insurance

This basically means you should be concerned about employee dishonesty. You most likely have access to your clients' proprietary information, trade secrets, lists of customers. You might also have access to the personal information of the client, their employees, or their customers.

That's why the smartest PR firms do background checks on all of their employees. Have a system to monitor and protect all client information. Use different employees to deposit, bill, and disburse funds. Annually do an audit of your books. Regularly do a an equipment inventory as well.

Do you have clients that come to your office location? If so, clients must be kept in waiting areas and designated conference areas. Ensure that all areas are well-maintained, including their floor coverings.

You also may face off-premises exposures when your employees do sales visits, training sessions, and the photography and filming of advertising materials. Remember to be careful when off-site so the public doesn't get hurt.

Do you rent vehicles for employee use? Do you supply vehicles to employees?

• Are there clear written procedures regarding personal use by employees and their families?
• Do you take age, training, experience, and records of each driver into consideration when selecting drivers?
• Do you take age, condition, and maintenance of the vehicles into consideration?
• Do you ever rent cars overseas for your PR work?

Talk to your agent about each of these answers you come up with.