The Hartford doesn’t offer talent agency insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Talent Agency Insurance?
Talent agency insurance is another name for small business insurance. It’s made up of different types of business insurance coverages to help protect you from the risks you face as you manage and represent creatives.
Running an agency means you’re responsible for handling contracts, booking gigs and overseeing your team. You may be asked to deal with everything from production delays and client disputes to accidents at auditions. Having the right type of insurance can help safeguard your business by covering property damage, client claims, injuries and even stolen equipment that could disrupt your operations.
Common types of coverage that may be included in a talent agency insurance package can include:
- General liability insurance
- Professional liability insurance
- Commercial auto insurance
- Cyber insurance
Why Might You Need Talent Agency Insurance?
Talent agency insurance is a collection of coverages designed to help protect your business from unforeseen risks. While you’re busy coordinating events and managing creative professionals, accidents can happen when you least expect them.
Certain types of insurance coverage can offer protection for events like:
- Property damage: A fire damages your office, destroying valuable contracts, documents and tech equipment.
- Lawsuits: A booking mishap leads to a breach of contract claim, costing you time and legal fees.
- Theft: Your photographer’s gear is stolen from the office, leaving you scrambling to replace it.
Talent Agency Insurance Coverages
When it comes to protecting your talent agency, you’ll want to ensure you have coverage that matches your potential risks. You can start with a Business Owner’s Policy (BOP), which combines three types of coverage, including:
General liability insurance to help protect your agency from claims that it caused bodily injury or property damage to others.
Commercial property insurance to help protect the owned or rented building you operate from, as well as the tools, supplies and equipment that you rely on. These can include:
- Computers
- Tablets
- Folders
- Furniture
- Phones
Business income insurance to help replace 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 kind of claim that your talent agency faces. You’ll need to get other types of insurance to create comprehensive protection, such as:
Workers’ compensation insurance to give your employees benefits to help them recover from a work-related injury or illness.
Commercial auto insurance to help protect your employees on the road if they use a company-owned vehicle for business and get into an accident.
How Much Does Talent Agency Insurance Cost?
The cost of talent agency insurance varies because every business faces unique risks. Insurance companies may consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
Although The Hartford doesn’t offer coverage for talent agencies, here are the average costs our small business customers pay for common types of insurance. You can use this to help estimate your costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month2
To find out your specific talent insurance costs, get a free online quote from Tivly.
General Liability Insurance
“A client slipped on our front steps and had to go to the hospital.”
General liability helps cover claims that your business caused bodily injury or property damage to someone else.
Employment Practices Liability Insurance
“A new team member felt we were discriminating against him, and it turned into a lawsuit.”
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment.
Workers’ Compensation Insurance
“My assistant developed carpal tunnel and needed weeks of physical therapy.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Professional Liability Insurance
“An actor sued my casting director for breach of contract after she failed to secure an audition for a TV show.”
Professional liability insurance helps protect your business from claims that it made a mistake in the professional services given. It can help pay attorney fees or other court-related costs.
Commercial Property Insurance
“Our AC broke during a heatwave, and we couldn’t be in the office until it was fixed.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Commercial Auto Insurance
“My publicity manager was on his way to a press event when he accidentally rear-ended another car.”
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.
Get a Quote for Talent Agency Insurance Options
Stay reliable and resilient, no matter what comes your way. We work with Tivly to help you get the talent insurance coverage you need.
Last Updated: September 25, 2025
2 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
3 National Safety Council, “Top 10 Preventable Injuries”
4 American Society of Safety Professionals (ASSP), "Why Ergonomics Should Be at the Forefront of Worker Safety and Well-Being"
5 Kroll, “Current Trends in Property Insurance Valuation”
** 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.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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