Businesses that may fit this online path
The application evaluates the exact work performed. Examples in this broad category include:
- Photographers and videographers
- Graphic and brand designers
- Writers, editors, and content services
- Marketing and public-relations consultants
- Eligible event and media professionals
Coverage options to consider
Products and endorsements vary by eligibility, profession, state, and the application responses.
Professional Liability
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
General Liability
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Business Owner's Policy
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Business Equipment
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Cyber Liability
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Hired and Non-Owned Auto
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Information to have ready
- Services, deliverables, usage rights, and client types
- Revenue, employees, subcontractors, and locations
- Camera, computer, production, and other equipment values
- Contracts, intellectual-property procedures, and approvals
- Travel, events, data, claims, and requested limits
Frequently asked questions
Why can creative businesses need Professional Liability?
Clients may allege a missed deadline, error, omission, unsuitable work, or other failure in covered professional services caused financial harm.
Is business equipment covered away from the office?
Do not assume it is. Mobile cameras, computers, and production equipment may require specific property or inland-marine treatment depending on the offered policy.
Online eligibility and coverage are not guaranteed. Products, terms, pricing, effective dates, and document availability are determined during the application. Actual policy documents control.