Why do digital marketing agencies need business insurance?
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6 policies every digital marketing agency should consider
General liability insurance
This policy protects your marketing agency from basic risks that most small businesses face. It's often required by client contracts and commercial property leases.
- Accidental client injuries at your office
- Accidental damage to client property
- Personal injury lawsuits
Technology errors and omissions insurance
Tech E&O, also called professional liability insurance, helps pay for lawsuits over digital marketing mistakes. Intellectual property (IP) and media liability coverage can often be added.
- Mistakes in marketing materials
- Marketing materials delivered after the deadline
- Accusations of negligence
Cyber liability insurance
This policy helps digital marketers recover from data breaches and cyberattacks. It also provides coverage if clients blame your business for failing to prevent a breach.
- Lawsuits over a data breach or cyberattack
- Notifying affected clients about a breach
- Fraud detection and monitoring
Business owner’s policy
A BOP bundles general liability insurance with commercial property insurance. Many providers offer digital marketing companies a discount if they choose this policy.
- Accidental client injuries at your office
- Accidental damage to client property
- Damaged or stolen business property
Workers’ comp insurance
State law usually requires digital marketing businesses that have employees to purchase this policy. It helps pay medical costs from work injuries and illnesses.
- Medical bills for employee injuries
- Partial wages while the employee recovers
- Lawsuits over work injuries
Fidelity bonds
A fidelity bond protects your business if one of your employees steals from a client. It’s also called an employee dishonesty bond.
- Unlawful data access by a marketing professional
- Illegal electronic funds transfer by your employee
- Other employee theft or fraud
Technology business insurance costs
Average costs come directly from policies purchased by TechInsurance customers.
General liability: $30 per month
Errors and omissions: $67 per month
View more expected costs.
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Protect against common risks
A lawsuit or data breach can devastate your digital marketing business. Prevent financial losses with policies tailored for your needs.
