Kevin Shilling
4 months ago
Working in media & advertising comes with risks that can be difficult to predict. A mistake in client work, a copyright dispute, a cyber attack or damage to essential equipment could all have an impact on your business.
The insurance you need will depend on the work you do, the clients you work with and the risks you face. At Robison & Co, we’ll take the time to understand how you work and help you put the right protection in place.
When clients rely on your ideas, advice and creative work, a mistake can have consequences for both sides. An error in a campaign, an allegation of copyright infringement or an issue with content you’ve produced could lead to additional costs or a claim against your business.
There are also the risks that come with how you work. You may handle sensitive client data, rely on digital systems, use specialist equipment or work at shoots, events and client locations. Depending on your business, you may also have employees or members of the public to protect.
That’s why the risks you face will depend on the services you provide, the work you produce and how your business operates.
A freelance designer or content creator won’t necessarily need the same insurance as an advertising agency, PR firm or production company. The clients you work with, the services you provide, the equipment you use and the responsibilities you take on can all affect the protection you need.
That’s why it’s important to consider your risks individually, rather than assuming the same cover will suit everyone working in media and advertising.
At Robison & Co, we’ll take the time to understand what you do and help you put the right protection in place, making the insurance process as straightforward as possible without compromising on cover.
The insurance you need will depend on your business, the work you do and the risks you face. Some types of cover may be essential for your business, while others depend on how you work.
Here are some of the insurance policies you may need to consider:
Protects against claims relating to mistakes, professional advice or services you provide to clients.
Covers claims if someone is injured or their property is damaged because of your business activities.
Protects against claims if an employee becomes ill or is injured because of their work. Most employers are legally required to have this cover.
Protects against the financial impact of cyber incidents, data breaches and attacks on your systems.
Helps protect your income if an insured event prevents your business from operating as usual.
Other types of insurance, including Events Insurance, may also be worth considering depending on how your business operates. For example, if you organise launches, promotional events or other events for clients, you’ll need additional protection to do so.
If you’re unsure, one of our brokers can assess your individual risks and help you decide which cover is right for your business.
Knowing you need insurance is one thing. Knowing which policies you need, how much cover is right and what you’re protected against can be harder.
The risks you face can vary depending on the work you take on, the clients you work with and the responsibilities you have. That means the insurance that’s right for a freelancer may not be right for an agency or production company.
You shouldn’t have to work it out alone, and you certainly don’t want to guess. At Robison & Co, you’ll have a dedicated broker who’ll get to know what you do and the risks that come with it. They’ll explain your options clearly and help you find cover that fits. And, if you ever have a question, a change or need to make a claim, we’ll be there to support you through it.
The right insurance starts with understanding what you do, how you work and the risks you face.
Speak to a Robison & Co broker to find out what cover you need to protect your business and the work you’ve built.
If you have any employees, you are legally required to have employers’ liability insurance.
While not legally required, it is also strongly recommended that you have professional indemnity and public liability insurance to protect your business from financial and reputational risks.
Our professional indemnity policies can be tailored to cover you for international campaigns. Please speak to one of our brokers, who will talk you through the options to ensure all international and national projects are protected.
