ALTRU’s miscellaneous liability program includes advertising agencies and graphic artists as a target class of business.

Some hightlights of our program:

  • Admitted in 21 states, E&S basis in the other states.
  • No minimum premium.
  • Minimum $1,000 retention for each Wrongful Act

Other features:

  • “Claim” includes both monetary and non-monetary demands
  • Coverage for “Personal Injury Offenses”
  • Independent Contractors included as “Insureds”
  • “Subsidiaries” included as “Insureds”
  • Favorable 70/30 Settlement Clause is standard
  • $10,000 Disciplinary Proceeding supplementary limit
  • Punitive Damages coverage where insurable by law
  • Three-year bi-lateral Extended Reporting Period standard
  • No discrimination exclusion
  • Professional Service definition tailored to each risk

Contact Us today to discuss your ad agency or graphic designers E&O renewals.



ALTRU, LLC is a Managing General Underwriter that specializes in directors & officers (D&O) and organization liability for non-profit organizations, as well as Miscellaneous Professional Liability (MPL) for a wide range of service firms. ALTRU provides underwriting services on behalf of Old Republic Insurance Company, rated A+ (Superior) by A.M. Best, A+ (Stable) by S&P and A2 (Stable) by Moody's. The team at ALTRU builds solid, professional relationships and delivers a superior level of service to their network of retail insurance agents, which sets them apart from other industry wholesalers.