Marketing Agency Insurance

small business owners protected by marketing agency insurance

Bring Ideas to Life With Marketing Agency Insurance

Your agency’s vision drives results, but protecting your business requires strategy, too. With marketing agency insurance, you can focus on creating growth, knowing your business is better prepared to manage risks.
 
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small business owners protected by marketing agency insurance

What Is Digital Marketing Agency Insurance?

Digital marketing agency insurance is a collection of business insurance coverages designed to help protect you from the unique risks you face as a creative professional. From a client hurting themselves in your office to a graphic designer getting carpal tunnel, having the right type of insurance can help give you peace of mind and financial protection. A marketing agency insurance plan includes these common types of coverage:
 
  • Business Owner’s Policy (BOP)
  • Workers’ compensation insurance
  • Commercial auto insurance
  • Professional liability insurance
  • Data breach insurance

Why Might You Need Insurance for Your Digital Marketing Agency?

Marketing agencies face unique challenges that demand specialized protection. Marketing agency insurance helps safeguard your business against those risks. It can provide a safety net to help cover claims that can come up during normal operations. Without coverage, you’d have to pay for costly claims out of pocket.
business owners happily protected by insurance for a digital marketing agency

Who May Need Marketing Agency Insurance?

The Hartford understands the unique risks marketing agencies face. That’s why we designed our insurance options to help protect a variety of marketers, including:
 

What Type of Insurance Might I Need for a Marketing Agency?

Many marketing agencies choose a Business Owner’s Policy (BOP) as part of their coverage for the peace of mind it can provide. A BOP combines three essential types of coverage to help protect you from various risks:
 
General liability insurance helps protect your agency from claims it caused bodily injury or property damage to someone else. For example, if a client trips over a cord in your office and hurts their leg, this coverage can help pay their medical bills.
 
Commercial property insurance helps protect the owned or rented building you operate from, as well as the tools, equipment, supplies and inventory you rely on. These can include:
 
  • Computers
  • Hard drives
  • Furniture
  • Projectors
  • Printers
Business income insurance helps replace your lost income if you can’t operate temporarily because of covered property damage caused by fire, theft or wind.
 
It’s important to remember that a BOP won’t cover every type of claim your marketing agency might face. You’ll need to get other types of coverage to create a comprehensive insurance plan, including:
 
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How Much Does Insurance for a Marketing Agency Cost? 

The cost of marketing agency insurance varies, but here are the average costs The Hartford’s small business customers in this industry pay for common types of coverage:**
 
  • BOP: $999 a year, or $83 a month
  • Stand-alone general liability insurance: $684 a year, or about $57 a month
  •  Workers’ compensation insurance: $526 a year, or about $44 a month
Insurers use several factors to determine rates, so your insurance cost may be different than the average. The best way to find out how much you’ll pay for marketing agency insurance is to get a quote.
female small business owner happy to have digital marketing agency insurance

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Covering Your Operations

Running a marketing agency means juggling creativity, deadlines and client expectations – all while facing the potential for unexpected hiccups. The right type of insurance can help you keep your business moving forward.
About 8 million people visit hospitals each year because of fall-related injuries.1
general liability for marketing agencies

General Liability Insurance

“We had a client come in for a meeting, and they tripped over some boxes in our office. They got hurt, and we were suddenly worried about potential medical expenses and liabilities.”
 
General liability helps cover claims that your business caused bodily injury or property damage to someone else.
professional liability insurance for marketing agencies

Professional Liability Insurance

“An unhappy client claimed a messaging error in their ad caused reputational damage.”
 
Professional liability insurance helps cover claims that you made a mistake in the professional services you gave to a customer. It can help pay your legal defense costs, attorney fees or other court-related costs.

Taking Care of Your Team

Your employees are your most valuable asset, turning ideas into impactful campaigns and delivering results that set your business apart. Insurance coverage can help protect your employees on the job and give them peace of mind.
In 2022, 414,400 people sustained workplace injuries due to slip-and-fall accidents.2
workers compensation for marketing agencies

Workers’ Compensation Insurance

“One of my graphic designers started getting a pain in her shoulder and wrist. She was diagnosed with carpal tunnel syndrome and needed months of physical therapy to treat it.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical care bills and replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
commercial auto liability insurance for marketing agencies

Commercial Auto Insurance

“My project coordinator was driving a company car to a client meeting when they rear-ended another car. The other driver was hurt and needed to go to the ER.”
 
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business vehicle for work.

Protecting Your Property

Your tools of the trade, like computers and cameras, are vital to any marketing operation. But theft or accidents can throw off your momentum, impacting both current and future projects. Protecting your physical assets is key to keeping your business running smoothly.
On average, a fire department in the U.S. responded to a fire every 23 seconds in 2023.3
commercial property insurance for marketing agencies

Commercial Property Insurance

“There was a fire in our building that quickly spread. It caused significant damage to our computers and supplies.”
 
Commercial property insurance helps protect your business' physical assets such as equipment, furniture and personal property from loss or damage caused by events like storms, fires or vandalism.
business income insurance for marketing agencies

Business Income Insurance

“Someone broke into our offices and damaged printers and cameras. We couldn’t run customer campaigns and had to give refunds on any deposits that were made.”
 
Business income insurance helps replace lost income if you can’t operate temporarily because of covered property damage.

Frequently Asked Questions About Marketing Agency Insurance

Digital marketing agency insurance is made up of different types of coverage designed to help protect your business from various risks. For example, if a client claims a campaign mishap caused revenue loss or that copyright material was improperly used, professional liability insurance can help cover your legal costs. You can get other types of coverage to protect the equipment and business-owned vehicles you rely on. 
Marketing agencies operate in a fast-paced environment, with tight deadlines and creative deliverables that expose them to unique liabilities. Without insurance for marketing companies, one client lawsuit over a missed milestone or copyright violation could hurt your agency’s finances.
Getting insurance for a marketing agency is easy with The Hartford. In just a few minutes, you can get a fast and free insurance quote online.
male business owner happily works after getting insurance for marketing agency quote

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Get the protection you need to keep creating with confidence.
 
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Related Articles

 
 
Last Updated: February 5, 2026
 
1 National Floor Safety Institute, viewed January 2026.
 
2 National Safety Council, "Top Work-Related Injury Causes - Data Details,” viewed November 2024.
 
3 National Fire Prevention Association, “Fire Loss in the United States,” viewed November 2024.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
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