American Association of Advertising Agencies

We have been a partner with the American Association of Advertising Agency since 1992.

Our 4A program offers specialized professional liability coverage exclusively to its members.


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Lou Scimecca

Senior Vice President


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  • Admitted
  • Occurrence policy form
  • $20,000,000 Capacity
  • Defense costs in addition to the limit or defense costs within the limit
  • Creative is covered on the Internet
  • Coverage for the acquisition and gathering of matter in addition to the actual publication, broadcast or other dissemination
  • “Damages” includes punitive and exemplary damages, where allowed by law, including most favorable venue language
  • Mitigation Expense Cost coverage to mitigate or correct a circumstance that is expected to result in a claim
  • Joint venture coverage
  • Coverage for third parties who the Named Insured agrees to hold harmless for claims arising out of matter furnished by the Named Insured to the third party
  • "Insured" includes part-time, seasonal, leased or temporary employees and volunteers
  • Independent contractors/freelancers furnishing matter or services to the Named Insured can be covered at the discretion of the Named Insured
  • Severability provision for innocent persons involving claims for fraudulent or criminal acts
  • Company shall not subrogate against any Insured or any client of the Insured
  • Spousal coverage including domestic partners
  • 90-Day acquisition clause with waiver of additional premium if the acquired entity/media is within the specified revenue threshold
  • No “hammer” clause governing settlement
  • Claim handling options for the Named Insured in selecting and employing outside counsel
  • Worldwide coverage (where permissible by law)
  • Primary and excess coverage available
Products & Capabilities

“All-Risk” coverage agreement provides broad protection including but not limited to:

  • Defamation, including emotional distress, outrageous conduct and prima facie tort
  • Invasion of privacy or publicity
  • Infringement of copyright, trademark, title, slogan, misappropriation and plagiarism
  • Breach of a license to use a third party’s intellectual property
  • Personal injury from the acquisition and gathering of matter to be advertised
  • Unfair competition or conspiracy
  • Negligent supervision of an employee
  • Contextual Errors & Omissions coverage (including bodily injury and property damage)
  • Errors & Omissions coverage for the performance of advertising services
  • Negligent transmission of a computer virus or malicious code in media
Optional Coverages
  • Business operations personal injury and intellectual property coverage for acts committed in the course of usual and ordinary business operations of the Insured (expands coverage beyond covered media activities to “usual and ordinary business operations” and may fill potential coverage gaps left in CGL policy)
  • Cyber/Technology Services E&O coverage for services such as web site programming, web site hosting or web site maintenance performed for clients
  • Security and Privacy Liability coverage for liabilities arising from claims involving disclosure or theft of protected personal or corporate data
  • Regulatory action defense coverage for privacy regulation violations
  • First Party Coverages - Crisis Management, Public Relations Expense and Computer System Extortion Expense and Loss
  • Professional Services E&O (for Miscellaneous Errors & Omissions exposures)
World-Class Claims Service

AXIS' industry-leading media claims expertise includes:

  • Dedicated in-house media claims attorneys
  • A network of top intellectual property and First Amendment law firms
  • Risk management and loss control programs available
This web page is for descriptive purposes only and does not provide a complete summary of coverage. Consult the applicable insurance policy for specific terms, conditions, limits, limitations and exclusions to coverage. Coverage may not be available in all states and jurisdictions. Coverage is underwritten by a member company of the AXIS group of insurance companies.