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At Vantage Professional Risks, we believe that it is essential that marketing and media businesses are placed under a specialist media wording which provides cover for rectification, mitigation of loss and irrecoverable fees.

Many insurers have a media specific wording , but the cover under these differs greatly form one wording to another and it is important that your broker understands the cover each wording offers you as the client, and more importantly that you “the client”, understand the cover purchased and your obligations under the wording.

Marketing and media businesses, which includes advertising and publishing, were historically insured under a standard PI wording. However under a standard wording it required that a claim be made for a loss, which for the media industry would almost always be financial loss, arising as a result of the neglect, error or omission of the insured.

In reality this didn’t work as media professionals will normally be in a position to fix the problem before their client ever finds out about the problem. Alternatively, they might waive an outstanding bill or issue credit notes so as to preserve commercial relations with their clients. The end result is no third party claim for damages and therefore, which meant under a standard PI wording the claim would be invalid.

Essential documentation

Marketing & Media Insurance

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Bespoke cover can be incepted to include:
Office Contents (including multiple locations)Directors & Officers Liability
Employment Practices LiabilityCorporate Legal Liability
Trustee IndemnityCrime/Fidelity
Public LiabilityEmployer's Liability
Product LiabilityBusiness Interruption
Group TravelPersonal Accident
ComputersCyber Liability
Overseas Offices/StaffIntellectual Property & Patent Risks
Kidnap & RansomIdentity Theft
Medical MalpracticeLegal Expenses (including contract disputes)

If you have a question, please get in touch

If you would like to know more about our Marketing & Media Insurance policies, including further details about what is covered, please get in touch with us using the contact details below.

020 7655 8020 Request a call back
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