Business Insurance for Social Media Companies and Consultants

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.

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.

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.

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.

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.

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.