How Much Is Business Insurance
for SEO / SEM Professionals?

You know you need small business insurance to protect your SEO / SEM firm. But how much do you need to set aside in your budget to cover the costs? It's not as easy an answer as you might think. Your insurance costs vary depending on your business's size, location, and a myriad of other factors.

Although the only way to get an accurate assessment of your insurance costs is to apply for quotes, these insurance premium estimates give you a good idea of the typical cost of SEO insurance. Note: these sample quotes are for illustrative purposes only.

HOW MUCH IS
General Liability?

How Much Does General Liability Insurance Cost?

An SEO / SEM company might need General Liability Insurance to sign an office lease or to land a client contract. This foundational business insurance policy covers legal expenses when someone is injured on your property or when your business damages a third party's property, infringes on a copyright, or commits libel / slander.

SEO companies typically pay $425 to $429 in annual premiums for Commercial Liability Insurance.

Median Premiums, Limits and Deductibles on General Liability Insurance for SEO / SEM Professionals
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 SEO and SEM professionals compares with other industries, visit Insureon's General Liability Insurance Cost Analysis New browser window icon..

HOW MUCH IS
a BOP?

How Much Does a Business Owner's Policy Cost?

A Business Owner's Policy combines General Liability (see above) with Property Insurance in one bundle with lower premiums. It's only available to small-business owners that meet certain qualifications. The Property portion of your BOP pays to replace insured items lost because of fire, theft, vandalism, or windstorms.

The typical Business Owner's Policy costs $500 to $647 annually for SEO / SEM consultants.

Median Premiums, Limits and Deductibles on Business Owner's Policies for SEO / SEM Professionals
Name USD

Median policy premium:

$500 - $647

Median policy limit:

$2 million

Median policy deductible:

$250

HOW MUCH IS
E&O Insurance?

How Much Does Errors and Omissions Insurance Cost?

If you rewrite a client's website and their rank hasn't improved, you might be sued for failing to fulfill your contract. If your firm has Errors and Omissions Insurance, you won't have to cover the cost of a business lawsuit out of pocket. This coverage can cover lawsuits over professional negligence, cyber liability, and more.

Web marketers typically pay $669 to $1,722 in annual E&O premiums.

Median Premiums, Limits and Deductibles on E&O Insurance for SEO / SEM Professionals
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 SEO and SEM professionals compares with other industries, visit Insureon's Professional Liability Insurance Cost Analysis New browser window icon..

HOW MUCH IS
Workers' Comp?

How Much Does Workers' Compensation Insurance Cost?

When an SEO / SEM company hires its first employees, it will usually need Workers' Compensation Insurance (also called Workers' Comp or Workman's Comp). State laws require employers to have insurance that covers employee medical expenses and lost wages when they suffer work injuries, accidents, or illnesses.

SEO marketing firms typically pay $390 to $790 annual for Workers' Comp premiums.

Median Premiums, Limits and Deductibles on Workers' Comp Insurance for SEO / SEM Professionals
Name USD

Median policy premium:

$390 - $790

Median policy limit:

$1 million

Median policy deductible:

None

HOW MUCH IS
Commercial Auto?

How Much Does Commercial Auto Insurance Cost?

Commercial Auto Insurance provides vital coverage for SEO and SEM firms that own company vehicles. It can cover the cost of lawsuits arising from collisions, damage to the other driver's car, and other expenses.

Commercial Auto Insurance typically costs $1,268 to $2,877 in annual premiums for SEO and SEM firms.

Median Premiums, Limits and Deductibles on Commercial Auto Insurance for SEO / SEM Professionals
Name USD

Median policy premium:

$1,268 - $2,877

Median policy limit:

Varies

Median policy deductible:

None (liability only)

HOW MUCH IS
a Fidelity Bond?

How Much Is Fidelity Bond Coverage?

Fidelity Bonds cover the losses a client suffers if one of your employees steals from them or uses their data to commit fraud / identity theft. You may be required to have a Fidelity Bond if you work for investment firms or banks in order to comply with their industry's security protocol. SEM / SEO contractors with access to a client's networks, websites, or data may need to have this coverage, too.

SEO firms typically pay $1,031 to $1,367 annually for Fidelity Bond Insurance.

Median Premiums, Limits and Deductibles on Fidelity Bond Insurance for SEO / SEM Professionals
Name USD

Median policy premium:

$1,031 - $1,367

Median policy limit:

Varies

Median policy deductible:

$10,000

HOW MUCH IS
Umbrella Insurance?

How Much Does Umbrella Insurance Cost?

If an SEO company exceeds the limits of its General Liability, Commercial Auto, or Employers' Liability Insurance coverage, Umbrella Insurance can be applied to the remaining cost of the claim. So if your General Liability maxes out at $2 million, but after legal expenses you owe $2.5 million, you can make a claim on your Umbrella policy to cover the extra $500,000.

The typical SEO / SEM company pays $400 to $404 annually for Umbrella Insurance.

Median Premiums, Limits and Deductibles on Umbrella Insurance for SEO / SEM Professionals
Name USD

Median policy premium:

$400 - $404

Median policy limit:

$1 million

Median policy deductible:

None

To see how the cost of Umbrella Insurance for SEO and SEM professionals compares with other industries, visit Insureon's Umbrella Insurance Cost Analysis New browser window icon..

Get Free Insurance Quotes

Where Can I Find Free Insurance Quotes for SEO & SEM Businesses?

For insurance quotes tailored to your business's specifications, submit an online insurance application.

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