When a crisis hits, the financial damage doesn’t stop with legal fees or lost inventory—it often accelerates through headlines, social media, and public perception. This piece explores why traditional business insurance falls short in protecting reputations, and how Crisis Communication (or Reputation) Insurance can help organizations fund expert PR support when scrutiny is at its highest. From viral controversies to data breaches and workplace incidents, the article breaks down what this coverage includes, where it’s commonly embedded, and why pairing insurance with a proactive crisis plan is essential in today’s always-on media environment.