Liability
- Damage to third parties
- Employers' liability
- Care, custody and control as an extension
Insurance for communication and marketing
In communications and marketing the loss rarely arises with you: it arises with the owner of an image you used and with the client whose campaign you have to have reprinted.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
The risk in this sector is almost always purely financial. Nothing is broken and nobody is hurt. A letter before action arrives from a photographer, a rights holder or a trade mark owner. That is pure financial loss and belongs with professional indemnity insurance. And there lies the catch: many policies exclude infringement of intellectual property specifically. For an agency working daily with images, text, music and brands, that is precisely the claim you want insured. Have this point expressly checked before you take out cover.
The second line is access. If you manage clients' advertising accounts, mailing lists, CMS environments or social media, you hold keys to systems and personal data that are not yours. A hacked advertising account with budget siphoned off, a wrongly addressed mailing containing client data or a deleted website hits your client's finances directly. Cover for that runs through cyber insurance with third-party liability, not through an ordinary liability policy.
Under the GDPR you are usually a processor for your client. That calls for a processing agreement and for arrangements about who reports a data breach. Fines from the regulator cannot be insured. Your client's loss and the cost of investigation and repair often can.
Insurance that matches your sector
Every sector carries its own risks. We translate those into cover that genuinely fits what you do day to day, rather than a standard package that just happens to apply to your business too.
SectorsPhoto coming soon
TailoredPhoto coming soon
CoverPhoto coming soon
What does insurance for communications and marketing cover?
The structure of the cover in three parts, with an overview per situation below.
Assets and continuity
Business contents, goods and lost turnover during downtime.
- Business contents at replacement value as new
- Goods at cost price
- Business interruption or additional costs
Staff
Sickness absence, accidents and the traffic risk.
- Continued pay for 104 weeks
- Group personal accident
- WEGAS for traffic risks
What is covered
| Situation | AVB | BAV | Cyber |
|---|---|---|---|
| Injury to a visitor or customer | Yes | No | No |
| Damage to a client's property | Sometimes | No | No |
| Financial loss caused by an advisory or calculation error | No | Yes | No |
| Downtime after a ransomware attack | No | No | Yes |
| Data breach involving personal data | No | Sometimes | Yes |
| Damage to property in your care | No | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Services within the agency. Strategy, content production, media buying and web development each weigh differently in the risk profile.
- Annual turnover. The basis of calculation; media budgets passed on can distort turnover considerably.
- Including IP infringement. Cover for copyright, trade mark and image rights claims is assessed and priced separately.
- Managing client accounts and data. Access to advertising accounts, CMS and mailing lists calls for cyber cover with third-party liability.
- Volume of printed and physical material. Large print runs and packaging considerably increase the consequential loss from a single mistake.
- Territory and run-off period. Campaigns outside the Netherlands and the run-off period after termination determine the loading.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your activities, turnover and wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Check whether IP infringement is excluded
This is the first question to put to an insurer. Standard policies for advisory professions regularly exclude claims for infringement of copyright, trade mark rights or image rights, because those do not arise for an accountant. At a creative agency they are the core risk. Ask for a policy in which these claims are expressly included, and have the exception to the exclusion confirmed in writing before the cover starts.
Licences apply per form of use, not per image
A stock photo with a web rights licence may not simply be used on a billboard, on packaging or in a television commercial. The same goes for music, typefaces and design rights. Record for each asset which licence you bought, for which channel, which territory and which period. When a letter before action arrives, that record is your only defence, and it determines whether you can pass the cost back to the supplier of the image.
Reprint costs are not covered but are the biggest item
A wrong telephone number on a hundred thousand flyers, a wrong address on packaging, a campaign that has to go out again. The cost of redoing your own work is excluded on virtually every professional indemnity policy. That is a business risk. What can be covered is the consequential loss suffered by your client. So work with a signed proof approval, so that responsibility for the final check is on record.
What you cannot insure
The following are not covered: fines from the Autoriteit Persoonsgegevens (the Dutch data protection authority) and other regulators, the cost of your own remedial work, reputational damage to your client without demonstrable financial loss, and use of images or music you knew you had no right to. That runs into the deliberate act exclusion in Article 7:952 of the Dutch Civil Code. Guarantees of results in terms of reach, conversion or ranking are contractual promises that no insurer will take on either.
Frequently asked questions
This is what people ask us most.
A photographer has sent us a letter before action about an image on our site. Is that covered?
Only if infringement of intellectual property is included on your policy. On many advisory policies it is specifically excluded. If the cover is there, the first step is to consider whether the claim is justified and whether you can produce a licence. Report the letter straight away and pay nothing in advance: settling on your own without consulting the insurer can cost you your right to payment.
Who is liable if the client supplied the image?
In reality the rights holder approaches whoever published, and that is often you. You can then hold the client to the warranty they gave. So state in your terms that the client warrants the rights to material they supply and indemnifies you. Keep the email in which it was supplied. Without that evidence you are empty-handed against both parties.
Are we a processor or a controller?
When carrying out mailings, managing client databases or setting up advertising audiences, you are normally a processor for your client. That requires a processing agreement setting out who reports a data breach and within what period. Where you determine the purpose and means yourself, for instance for your own newsletter, you are the controller and the duty to report a data breach rests entirely with you.
Do we also need public and employers' liability insurance (AVB)?
As soon as you work on location: filming at a client's premises, a stand at a trade fair, an activation in a public space. That is when property damage and injury arise, and those fall outside professional indemnity insurance. If you work solely from the office and digitally, the risk is limited to visitors at your own premises. Equipment you take with you belongs under business assets.
Every situation is different. For these situations we have a separate page.
- Business interruption insurance by sectorThe main page
- Insuring trade marks and intellectual propertyInfringement, defence, enforcement
- Insurance for the IT sectorScope, SLA, data breach
- Insurance for media and communicationsPublication, copyright, equipment
- Insurance for design and developmentProfessional errors, scope, run-off
- Insurance for property managersManagement, keys, liability
- Pet insuranceVet's fees, waiting period ·. Not the same as liability
- Liability insurance for secretarial servicesTime limits, correspondence, confidentiality
- Liability for call centresCustomer data, distance selling, recordings
Read more
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.