How Much Is Business Insurance
for Digital Advertising and Internet Marketing Firms?

Insurance policies for Internet marketing firms and digital advertising companies range from a few hundred dollars to a few thousand dollars in annual premiums. The cost of Technology Insurance for your business depends on your coverage needs, the kinds of advertising and marketing you do, and other factors related to the size and scope of your business.

We've put together some insurance cost estimates for tech marketing and ad firms. These estimates are based on the median costs of tech marketing and advertising businesses that we've insured. They'll give you a good idea of the typical cost for independent marketing agencies.

HOW MUCH IS
General Liability Insurance?

How Much Does General Liability Insurance Cost?

General Liability Insurance covers many common lawsuits that could bankrupt Internet marketing and digital advertising companies. Slip-and-fall lawsuits, copyright infringement, libel / slander, and property damage disputes with third parties (i.e., people not employed by you) can all be covered by a General Liability Insurance policy.

The typical Internet ad company pays $425 to $429 a year for General Liability Insurance.

Median Premiums, Limits and Deductibles on General Liability Insurance for Digital Advertising and Internet Marketing Firms
Name USD

Median policy premium:

$425 - $429

Median policy limit:

$2 million

Median policy deductible:

None

To see how the cost of General Liability Insurance for digital advertising and Internet marketing firms compares with other industries, visit Insureon's General Liability Insurance Cost Analysis New browser window icon..

HOW MUCH IS
a Business Owner's Policy?

How Much Does a Business Owner's Policy Cost?

Many tech ad firms and marketing companies purchase a Business Owner's Policy because it gives them a way to save money on their basic business liability coverage. BOPs package General Liability (see above) and Property Insurance together. When you buy these two policies in a bundle, you qualify for lower premiums.

Property Insurance helps you repair or replace property that your business owns after a fire, theft, or other covered event causes loss. This includes reimbursement for computers, technology, furnishings, buildings and more.

Typical BOP coverage costs $500 to $647 in annual premiums for an Internet marketing and digital advertising business.

Median Premiums, Limits and Deductibles on Business Owner's Policies for Digital Advertising and Internet Marketing Firms
Name USD

Median policy premium:

$500 - $647

Median policy limit:

$2 million

Median policy deductible:

$250

HOW MUCH IS
Commercial Auto?

How Much Does Commercial Auto Insurance Cost?

Say you're driving to a client's office to show them a mockup of some web advertising materials. What happens if you get an auto accident? Many personal auto policies don't cover you if you're driving for work. Fortunately, there's Commercial Auto Insurance, which can cover lawsuits and auto repairs after an accident happens on the job.

The typical digital advertising and marketing firm pays $1,268 to $2,877 a year for its Commercial Auto Insurance.

Median Premiums, Limits and Deductibles on Commercial Auto Insurance for Digital Advertising and Internet Marketing Firms
Name USD

Median policy premium:

$1,268 - $2,877

Median policy limit:

Varies

Median policy deductible:

None (liability only)

HOW MUCH IS
E & O Insurance?

How Much Does Errors and Omissions Insurance Cost?

Errors and Omissions Insurance (aka Professional Liability Insurance) is one of the most common insurance policies among technology companies. Many clients require their marketing and advertising agency to have this insurance. It covers your legal costs when a client sues you over your work. Missed deadlines, malfunctioning websites, advertising campaigns that don't lead to a boost in sales — any of these situations can lead to a professional liability lawsuit.

Internet marketers and web advertisers can usually expect to pay $669 to $1,722 in annual E&O costs.

Median Premiums, Limits and Deductibles on E&O Insurance for Digital Advertising and Internet Marketing Firms
Name USD

Median policy premium:

$669 - $1,722

Median policy limit:

$1 million

Median policy deductible:

$2,500

To see how the cost of Errors and Omissions Insurance for digital advertising and Internet marketing firms compares with other industries, visit Insureon's Professional Liability Insurance Cost Analysis New browser window icon..

HOW MUCH IS
a Fidelity Bond?

How Much Do Fidelity Bonds Cost?

Some clients — especially those in financial services — require their contractors and ad agencies to have a Fidelity Bond. These bonds (also called Employee Dishonesty Bonds) reimburse your clients if one of your employees attempts to commit theft or fraud against the client. It's standard practice for financial businesses to require their contractors to carry Fidelity Bonds.

When they need a Fidelity Bond in order to sign a contract, digital advertisers and Internet marketing firms typically pay $1,031 to $1,367 in annual premiums.

Median Premiums, Limits and Deductibles on Fidelity Bonds for Digital Advertising and Internet Marketing Firms
Name USD

Median policy premium:

$1,031 - $1,367

Median policy limit:

Varies

Median policy deductible:

$10,000

HOW MUCH IS
Workers' Compensation?

How Much Does Workers' Compensation Insurance Cost?

State employment laws usually require ad firms and marketing agencies to cover their employees with Workers' Compensation Insurance, which pays medical bills and lost wages for employees that suffer from workplace injuries or illnesses. This coverage (commonly nicknamed Workers' Comp or Workman's Comp) can also include Employer's Liability Insurance, which pays for the company's legal expenses if an injured employee sues it.

Internet marketers typically pay $390 to $790 a year for their Workers' Comp coverage.

Median Premiums, Limits and Deductibles on Workers' Comp Insurance for Digital Advertising and Internet Marketing Firms
Name USD

Median policy premium:

$390 - $790

Median policy limit:

$1 million

Median policy deductible:

None

If you'd like to learn more about your employment laws, see our state guide to Worker's Comp laws New browser window icon..

To see how the cost of Workers' Compensation Insurance for digital advertising and Internet marketing firms compares with other industries, visit Insureon's Workers' Compensation Insurance Cost Analysis New browser window icon..

Internet Marketers: Free Business Insurance Quotes

Internet Marketers: Free Business Insurance Quotes

These insurance cost estimates are only ballpark figures. However, you can receive a customized insurance quote for free by submitting our online insurance application.

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