Public Relations Consultants Insurance
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What is public relations insurance?
Business insurance for public relation consultants and firms is designed to protect against common industry threats, such as negligence claims, client property damage, and broken equipment.
Why do public relations agencies need insurance?
Managing your clients’ reputations can be high-stakes. Public outreach often requires many moving parts, from market research and press releases to public events and social media. A simple mistake or missed deadline could lead to financial damages for a client and a lawsuit for your business.
Communication and media relations professionals often choose different types of insurance to cover claims of libel or slander, copyright infringement, plagiarism, property damage, employee injury and other everyday risks.
PR insurance helps you cover legal fees, compensation claims, and other unplanned expenses that could empty your bank accounts. Some policies, like Workers’ Compensation, may be required by law.
What insurance do PR firms need?
PR professionals, firms and agencies often consider different types of insurance to suit their unique business risks and needs.
Clients rely on your skill and knowledge to build their reputation and manage crises. The PR industry is competitive, and if a client feels your services are not up to standard, they could make a claim or file a lawsuit against your firm.
Media Liability insurance* (a type of Professional Liability or E&O insurance) can help you manage legal costs associated with mistakes in your work, breaches of contract, missed deadlines, and other allegations of professional wrongdoing.
PR consultants often meet with clients in person, either in their offices, at the client’s business premises, or third-party locations. These face-to-face meetings create the potential for property damage and injury claims.
General Liability insurance* could help you manage property damage and injury claims made by clients or other members of the public.
PR consultants and agencies often rely on equipment to do their jobs and run their businesses—such as laptops, tablets, cell phones, and printers. A Business Owner’s Policy (BOP) is a convenient insurance package that can be customized to cover your business equipment, manage business interruptions, and cover your general liability risks.
Protecting your employees on the job is an important part of being a responsible business owner. Workplace accidents and injuries are common, and lost wages and medical costs can be expensive.
PR agencies with at least one employee may be legally required to have Workers’ Compensation insurance*. Workers’ comp requirements vary from state to state, so check your local laws to see if a policy is mandatory for your PR firm.
How much does insurance cost for public relations consultants?
Insurance for public relations consultants varies, as premiums are based on different factors, such as your business location and size.
PR agencies can compare business insurance quotes with BizInsure to determine how much coverage will cost for their business.
* As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
