Advertising Insurance

When you pay the high insurance rates associated with commercial liability insurance, you need to make sure that advertising and personal injury is included in your policy.
Insurance rates typically don’t go up with this type of coverage, as it’s usually included in commercial policies. But you should make sure that there is advertising and personal injury coverage included in your policy before you sign.

The Prevalence of Advertising-Based Litigation A third-party can sue your company and claim that its injury was brought about due to your advertising. Third parties can claim that your company engaged in libel or slander, or they can claim that you infringed on a copyright or trademark.

Often, a competitor will initiate a lawsuit against you and claim injury due to your advertising practices. Advertising injury insurance will protect your company from these types of claims.
Advertising injury coverage typically protects you from the following claims:

*Invasion of Privacy
*Slander
*Libel
*Copyright Infringement
*Trademark Infringement
*Certain State Law Claims, and certain Misappropriation Claims

Jurisdictional Differences
Different states have different definitions for advertising. Broadly speaking, advertising is defined as activity that includes business promotion to a sizable audience.

The Safety Net of Advertising Insurance
Good advertising injury coverage will protect you, as long as the claim is not excluded by your policy. Common exclusions include knowingly publishing false information, criminal acts, breach of contract, etc.
If you are equipped with advertising insurance, you’ll be able to conduct an advertising campaign without having to worry about litigation. It’s a great feeling, so investigate advertising insurance before you actually launch your advertisements.