Business Insurance for Social Media Companies and Consultants

Social Media / Social Networking
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Why do social media companies need business insurance?

Promoting clients via LinkedIn posts, Facebook pages, or other social media channels comes with many risks. You could be sued for violating a copyright or defaming a competitor. Business insurance helps cover legal costs related to social media marketing. Some insurance policies may be required by state law, clients, or landlords.

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Get same-day insurance

With Insureon, social media consultants and companies can get insurance coverage the same day they apply for quotes.

Fill out our easy online application to compare quotes from top-rated providers.

What types of insurance do social media companies and consultants need?

These policies cover the risks of social networking and influencer marketing.

General liability insurance icon

General liability insurance

A general liability policy covers customer property damage and injuries. Some social media companies can bundle it with commercial property insurance in a business owner's policy for a discount.

  • Damaged customer property
  • Customer injuries
  • Commercial lease requirements
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Media liability insurance

This policy covers lawsuits over mistakes and advertising injuries, such as a social media post or video content that violates a copyright. It's sometimes referred to as professional liability insurance.

  • Accusations of professional negligence
  • Copyright infringement
  • Libel and other advertising injuries
Business owner’s policy icon

Business owner's policy

A business owner's policy, or BOP, is a cost-effective way for social media companies and consultants to purchase general liability coverage and commercial property insurance together.

  • Damaged client property
  • Slip-and-fall injuries at your office
  • Stolen or damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for social media agencies that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Legal costs from employee injuries
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Cyber insurance

This policy helps social media companies survive data breaches, such as a hacked social media account. It's strongly recommended for any small business that handles personal information.

  • Data breach investigations
  • Customer notification expenses
  • Fraud monitoring services
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Commercial auto insurance

Commercial auto insurance helps cover costs if a vehicle owned by a social media marketing 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
Looking for different coverage? See more policies.

How much does insurance cost for media and advertising professionals?

Media and advertising professional calculating the cost of business insurance.

A social media influencer who works alone will pay less for insurance than a larger agency.

Factors that affect the pricing include:

  • Type of media, advertising, and social media content
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
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How do I get social media business insurance?

It's easy to get business insurance for social media companies, PR agencies, and consultants if you have your company information on hand. Our application will ask for basic facts about your business, 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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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 your social media agency, whether you work independently or hire employees.

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