Business Insurance for Marketing Consultants

A general liability policy covers basic third-party risks, such as accidental copyright infringement. It’s often required for a commercial lease.

This policy helps cover legal expenses if a marketing professional is sued for a mistake or an unsuccessful marketing campaign. It’s also called errors and omissions insurance or E&O insurance.

Most states require workers’ comp for marketing consulting firms that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

A business owner’s policy, or BOP, combines general liability coverage with commercial property insurance, typically at a lower rate than if the policies were purchased separately.

Fidelity bonds, also called employee dishonesty bonds, provide reimbursement if one of your employees steals from a client. They are often required by client contracts.

This policy helps marketing consultants recover from data breaches and cyberattacks. It’s strongly recommended for small businesses that handle sensitive data.