Creative Services Business Insurance in Tennessee

Business types with their own guide

• Photographer Insurance Stolen or damaged cameras and lenses, and more. Read the photographer insurance guide.
• Videographer Insurance Gear theft or damage, and more. Read the videographer insurance guide.
• Graphic Designer Insurance Claims that work infringes on someone else&rsquo, and more. Read the graphic designer insurance guide.
• Marketing Agency Insurance Claims of advertising injury, and more. Read the marketing agency insurance guide.

More creative services businesses

These business types share many of the same risks. Each has a short overview below.

Writers and authors

Writers can face claims of defamation, copyright infringement, or errors in published work. Media or professional liability is the usual coverage to ask about.

Editors and editorial services

Editors can face claims over errors, missed deadlines, or content issues. Professional liability and cyber for client manuscripts are common.

Photo editing, scanning, and restoration

Restoration services hold irreplaceable family photos. Coverage for customer property in your care and professional liability for errors are key.

Print shops and mailing services

Print shops run equipment and hold client materials and data. Equipment breakdown, property, professional liability for print errors, and cyber for mailing lists are worth reviewing.

Wedding and event invitation designers

Invitation designers can face claims over typos or late delivery before a big day. Professional liability and coverage for equipment and stock are common.

Coverages common in creative services

• Tools and equipment (inland marine) Covers tools and gear that travel to job sites or customer locations, or sit in your truck.
• Professional liability (E&O) Covers claims that your advice, design, or professional service caused a client a financial loss.
• General liability Helps if your business is blamed for injuring someone or damaging their property, and usually pays for a legal defense.
• Cyber liability Helps respond to data breaches, ransomware, and payment fraud, including notifying customers.
• Business owner’s policy (BOP) Bundles general liability with coverage for your business property, and often business income, for many smaller businesses.
• Hired and non-owned auto Liability for when you or employees drive personal or rented cars on business errands.

All coverage is subject to underwriting and policy terms. Not every business needs every coverage.

Tennessee rules to know

Workers’ comp. Most Tennessee employers outside construction and coal mining must carry workers’ compensation once they have five or more employees, full- or part-time, per the Tennessee Department of Labor and Workforce Development. Even below that number, many owners choose to carry it.

We can review your requirements and help you shop workers’ compensation and other coverages, subject to underwriting.

Certificates of insurance

Landlords, clients, venues, and general contractors often ask for a certificate of insurance before you start. If they want to be an additional insured, the policy usually needs an endorsement. Our certificate of insurance checklist explains what to check.

Related guides

• All business types
• Business insurance in Middle Tennessee
• General liability insurance
• Small business insurance checklist (PDF)
• Starting a business in Tennessee
• General liability vs. professional liability