Advertising and Marketing Companies

Arguably the most important coverage within the business type is the set of coverages called ‘Personal and Advertising Injury.’ However, you will find that when an underwriter properly classifies an Advertising Firm as such, the resulting general liability coverage will exclude ‘Personal and Advertising Injury,’ but all of the other coverages typical to the general liability form remain intact. The reasoning behind such an exclusion is that because the advertising company is in the business of the specific coverage in question, the peril becomes a professional exposure that would need covered under a professional type of insurance policy known as malpractice, errors and omissions, E&O, and professional liability insurance.