FAQ Category: Creative agency

No – it is up to individual freelancers to have their own insurance.

No, it is up to you to ensure you do not breach copyright laws. If these are breached by freelancers you outsource to, it will be their responsibility for any repercussions.

Yes, but with some conditions. If you add Business Equipment cover and declare the full value of your tools, you’ll be insured when working off-site. However, we can’t cover equipment valued above £25,000, and there are some exclusions—for example, if equipment is left unattended, stored insecurely, or kept in a vehicle without being locked away out of sight. For full details, see Section D: Business Equipment in our policy wording.

Yes. You can cover your business equipment for up to £25,000 in value. If your equipment is lost, stolen, or damaged, we’ll pay to repair it or replace it as new—provided it’s under 3 years old. For older equipment, we’ll pay its current value, taking into account wear and tear.

No. Our insurance excludes claims relating to disputes over the quality or outcome of your creative work. This means issues such as disagreements about campaign performance, client dissatisfaction with creative direction, or alleged shortcomings in deliverables are not covered under this policy.

No – we are unable to cover stored data, it is up to you to take necessary steps to avoid data breaches.

No. Our policies exclude cover for loss or damage to electronic data. However, if you add Business Equipment cover, we can protect your physical devices, such as laptops, desktops, and servers, but not the digital files stored on them.

No. Our policies for Employers’ Liability are available for agencies with 5 or fewer employees. This headcount should include everyone you employ directly, unpaid volunteers, and labour-only subcontractors, as well as your directors or principals if you’re a registered company.

Yes. Many creative agencies provide a mix of services that don’t fit neatly into one category, and that’s absolutely fine. You can select multiple trades or professions in your application, and your policy will cover you for all of them. If none of the listed options match exactly what you do, you can choose ‘Other’ and describe your services—we’ll then review and create a bespoke arrangement to reflect your agency’s work.