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Why do talent agencies need insurance?
Legal action brought by a disgruntled actor, writer, or director could put you out of business. Talent agency insurance covers financial losses from lawsuits, burglaries, auto accidents, and data breaches. Some policies, such as workers' compensation insurance, may be required by law.
Find the right coverage
Insureon helps talent agencies find insurance that matches your 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 business insurance do talent agencies need?
These insurance policies cover the most common risks at talent agencies.
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for talent agencies to buy general liability coverage and commercial property insurance together.
BEST FOR
- Legal costs from customer accidents
- Stolen or damaged business property
- Business interruption insurance
General liability insurance
Commercial general liability insurance covers basic business risks, such as a client tripping on a loose rug at your agency. It may be required for a commercial lease.
BEST FOR
- Slip-and-fall accidents
- Customer property damage
- Libel and other advertising injuries
Professional liability insurance
A professional liability policy helps cover legal expenses if a talent agency is sued for unsatisfactory work. It's sometimes referred to as errors and omissions insurance (E&O).
BEST FOR
- Accusations of negligence
- Failure to produce promised results
- Work mistakes or oversights
Workers’ compensation insurance
Most states require workers' comp for talent agencies that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
This type of coverage pays for legal costs and other expenses when a talent agency's vehicle is involved in an accident. It's required for vehicles registered to a business.
BEST FOR
- Property damage caused by your vehicle
- Bodily injuries from an auto accident
- Vehicle theft and vandalism
Cyber insurance
A cyber liability insurance policy helps talent agencies survive data breaches and cyberattacks by covering data recovery expenses and other related costs.
BEST FOR
- Data recovery
- Client notification expenses
- Fraud monitoring services
Looking for different coverage? See more policies.
How much does insurance cost for professional service businesses?
A talent agent who works independently will pay less for insurance than a larger business.
Factors that affect premiums include:
- Professional services offered
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get talent agency insurance?
It's easy to get talent agency business insurance and surety bonds 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:
- 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 your talent agency, whether you work independently or hire employees.
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