PR Firm Insurance

Affordable PR Firm Insurance

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Your clients rely on your advice and the exposure that you get them. That's why PR firms can be sued for fraud and negligence in the performance of their duties.

We understand the risks that come with:

Crisis public relations strategies
Social media promotions and responses to negative opinions online
Writing and distributing press releases
Creating special events designed for public outreach and media relations
Conducting market research
Speech writing
Writing pitches and sending them directly to journalists
Expanding business contacts via personal networking or attendance and sponsoring at events
Copywriting and blogging for the web

What would you do if you were hit with a liability suit for more than your current PR firm insurance covered?

Thankfully, here at InsuranceHub, we have experience helping PR agencies that get their clients featured on websites, newspapers, magazines, radio, and TV programs. We understand the risks that come with promoting your clients and making them seem as successful, honest, important, exciting, or relevant as possible. We also understand that not all press is good press.

Get a fast & free public relations firm insurance quote

We offer a complimentary insurance consultation. Contact us today at (877) 341-5728 or complete our online form.

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Types of exposure that PR agencies need protection from:

Property exposure

This is probably limited to your office. If you have expensive equipment for the production of photographic, graphic design, audio, or visual artwork for your clients, be sure to talk to your agent about it.

Your biggest concern here is fire, water, and smoke damage. Invest in a monitored fire alarm system and a sprinkler system to minimize loss. Do your employees have company-supplied laptop computers and display equipment? Talk to your agent about this.

Inland marine exposure

Accounts receivable for unpaid balances.
Any client property that you are in control of. You might need bailees' customer insurance.
Computers.
Valuable papers and records. Your clients' records and art are typically originals that are almost impossible to replace or re-create. Keep originals in fireproof cabinets and create duplicate copies and keep them off-site for protection.
Talk to your agent about a special floater if any of your property is taken to off-site production locations.

Equipment breakdown exposures

Your biggest concern here is most likely heating and air-conditioning equipment. If your climate control system breaks down, your artwork could be ruined.

Professional liability and advertising liability exposures

Risk factors include:

How the product/organization is advertised
Promises made on behalf of the product/organization
How the advertisements will perform
Potential copyright or trademark infringements
Negative statements made about competitors

Crime exposures

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.

Premises liability exposure

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.

Automobile exposures

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.

Workers compensation exposures

Ergonomically designed workstations may reduce eyestrain, neck strain, carpal tunnel syndrome, and similar repetitive injuries.

Some PR firms require off-site work for sales presentations. This may lead to extensive traveling both inside and outside the United States. If employees are working out of the country or overseas, the potential for them getting hurt can be very high. If a worker is hurt in another country, the cost of sending them home could be very high. Talk to your agent about the need for special foreign coverage.

Here is the minimum recommended PR agency insurance coverage:

minimum insurance coverages for a small business insurancehub

Building
Business Personal Property
Business Income with Extra Expense
Employee Dishonesty
Money and Securities
Accounts Receivable
Bailees' Customers
Computers
Valuable Papers and Records
General Liability
Employee Benefits Liability
Professional and Advertising Liability
Umbrella Liability
Hired and Nonownership Auto Liability
Workers Compensation

Other PR agency insurance coverage to consider:

Equipment Breakdown
Computer Fraud
Forgery
Special Floater
Employment-related Practices Liability
Business Automobile Liability and Physical Damage

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