Why do PR agencies need insurance?
Handling PR can be a sensitive matter. Business insurance covers legal expenses if a client sues over a mistake, or claims a PR campaign caused financial loss. It also covers theft, data breaches, and injuries. Some policies, such as workers' comp for your employees, may be required by law.
Find the right coverage
Insureon helps PR agencies and consultants find insurance quotes that match their unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
What types of insurance do PR agencies and consultants need?
These insurance policies cover common risks faced by PR professionals.
General liability insurance
A general liability policy covers accidents that injure a client or damage their property. Bundle it with commercial property insurance in a business owner’s policy (BOP) for a discount.
- Client property damage
- Client bodily injuries
- Commercial lease requirements
Media liability insurance
This policy helps cover legal expenses if a public relations consultant or agency is sued for unsatisfactory work or slander. It's sometimes referred to as professional liability insurance.
- Errors in press releases
- Negligence claims
- Copyright infringement
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for smaller PR agencies to purchase general liability coverage and commercial property insurance together.
- Damaged client property
- Slip-and-fall injuries at your agency
- Stolen or damaged business property
Workers’ compensation insurance
Most states require workers' comp for public relations firms that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical bills
- Disability benefits
- Legal fees from employee injuries
Cyber insurance
This policy helps PR agencies recover financially from data breaches and cyberattacks. It's recommended for any small business that handles credit cards or other personal information.
- Data breach lawsuits
- Client notification expenses
- Fraud monitoring costs
Commercial auto insurance
Commercial auto insurance helps cover costs if a vehicle owned by a public relations agency is involved in an accident. It's usually required for business-owned vehicles.
- Property damage caused by your vehicle
- Injuries caused by your vehicle
- Vehicle theft or vandalism
How much does insurance cost for media and advertising professionals?
A PR consultant who works alone will pay less for insurance than a larger company.
Factors that affect premiums include:
- Media and advertising services offered
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get PR agency insurance?
It's easy to get public relations business insurance if you have your company information on hand. Our application will ask for basic facts about your PR firm, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for public relations professionals, whether you work independently or hire employees.
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