Delaware Business Insurance Update from CNC Insurance Associates Inc. "Business Liability Policies May Cover Your Advertising Exposures" 9-1-15

Business liability policies will cover advertising, marketing and trademark liability claims. The coverage language is found in Part B of the standard ISO General Liability policy. The ability for businesses to do their own marketing and advertising has increased with technology, but so has their exposure to claims. Just a few years back, most businesses would hire marketing or advertising firms to promote their business. These firms would carry special insurance to cover claims. Now, with business owners doing their own thing, they are finding themselves testing their business general liability policy for coverage.
So what will the business owners' liability policy will cover? You can expect coverage for libel & slander, violation of right of privacy, copyright infringement, and trademark infringement. With the explosion of do it yourself advertising and marketing, many small business owners are surprised when they get sued for one of these exposures. The good news is that the general liability policy will help defend and pay damages for these types of claims. Review your advertising and marketing needs with your insurance professional and make sure your business liability policy will cover your exposures. Until next time be careful out there and know your risks.


G. Kevin Nemith, President CNC Insurance Assoc. Inc. & The Small Business Insurance Center
Serving DE, MD, NJ, PA & VA.
www.cncinsurance.com
www.bizinsurancetv.org

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