Digital Marketing Insurance

small business protected by digital marketing insurance

Help Protect Your Business With Insurance for Digital Marketing

Staying ahead means managing more than just marketing campaigns. With digital marketing insurance, you can help protect your business from setbacks, so you can keep designing impactful strategies that drive results.
 
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small business protected by digital marketing insurance

Why Do You Need Digital Marketing Insurance?

Whether it's a data breach that compromises client information or a miscommunication that leads to a legal claim, having insurance as a digital marketing agency is important to help safeguard your reputation and financial stability. Without coverage, you’d have to pay out of pocket for costly claims.
 
We know the unique risks digital marketers face. That’s why we’ve designed our insurance solutions to meet the specific needs of marketers and creatives. Digital marketing insurance is made up of different types of business insurance coverages that can help protect your agency from various risks.
small business owners protected by digital marketing insurance industry

Who May Need Digital Marketing Insurance?

Our insurance solutions can help protect different kinds of marketers, including:
 
  • Digital marketing agencies
  • Freelance digital marketers
  • Content creators and influencers
  • Ad agencies
  • E-commerce marketing specialists

Hear From Our Customers

Stella's Way Marketing small business owner giving testimonial on having business consultant insurance from The Hartford
 

Kara

Owner of Stella’s Way Marketing
EMG Marketing small business owners giving testimonial on having business consultant insurance from The Hartford
 

Joelle

Owner of EMG Marketing
Dunn Marketing small business owner giving testimonial on having business consultant insurance from The Hartford
 

Laura

CEO and Chief Brand Strategist at Dunn Marketing

What Type of Insurance Do I Need for a Digital Marketing Agency?

Many marketing agencies have a Business Owner’s Policy (BOP) for the peace of mind it can provide. It includes three types of essential coverage to help protect your business from certain claims of bodily injury or property damage:
 
  • General liability insurance helps protect your agency from claims that it caused bodily injury or property damage to someone else.
  • Commercial property insurance helps protect your owned or rented building, as well as tools, equipment, supplies and inventory that you use to operate your marketing business. These can include your:
    • Computers
    • Furniture
    • Printers
    • Cameras
  • Business income insurance helps replace lost income if you can’t operate your agency due to property damage from fire, wind, theft or vandalism. 
  • While a BOP is a great start, it won’t cover every claim. You may need to get other types of insurance coverage to increase your protection, including:
    • Workers’ compensation insurance
    • Commercial auto insurance
    • Professional liability insurance
 

How Much Does Digital Marketing Insurance Cost? 

On average, The Hartford’s small business customers in this industry pay $1,056 a year, or about $88 a month, and for workers’ compensation insurance, our customers pay an average of $1,032 a year, or about $86 a month.**
 
It’s important to remember that insurance costs vary because every business owner has unique needs. Insurers also use different factors to determine rates, so the amount you pay for digital marketing insurance may be different than the average. The best way to find out how much insurance will cost you is to get a quote.
small business protected by insurance for digital marketing

Proof of Insurance, Anytime

Need proof of insurance? We’ve made it easy for you to get your certificate online whenever you need it.

Covering Your Operations

We know you aim to run your marketing agency perfectly, but accidents can happen. From on-site mishaps to overlooked project details, even minor issues can lead to major setbacks.  The right insurance protection can help you operate your business with confidence.
Small businesses pay about $35 in legal costs per $1,000 earned.3
Professional Liability Insurance for digital marketing agencies

Professional Liability Insurance

“A miscommunication with our client meant our campaign missed the mark, and they lost sales. Our client ended up suing our agency, blaming us for the sales decline.”
 
Professional liability insurance helps protect your agency from claims that it made an accident in the professional services given. It can help pay attorney fees or other court-related costs.
General Liability Insurance for digital marketing agencies

General Liability Insurance

“During a routine meeting with one of our long-time clients, they tripped over a loose carpet in our conference room and injured their knee.”
 
General liability insurance helps cover claims that your agency hurt somebody else. It can help pay their medical bills or your court costs if you get sued.

Taking Care of Your Team

Your employees are essential to the success of your marketing agency. From traveling and meeting new clients to working hard at the home office, your staff faces risks at work every day. With digital marketing insurance, you can help give your team peace of mind, so they can focus on your clients.
Ergonomic injuries make up 33% of all worker injuries in the U.S.4
workers' compensation insurance for digital marketing agencies

Workers’ Compensation Insurance

“One of our designers started feeling sharp pain in her wrist after months of working on tight deadlines. It turned out to be carpal tunnel. She needed surgery and a month off to recover.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help cover their medical 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 insurance for digital marketing agencies

Commercial Auto Insurance

“We were on our way to a client pitch when a car ran a red light and sideswiped us. The company car was totaled, and a couple of us had some minor injuries.”
 
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.

Protecting Your Property

You rely on your equipment to run your marketing agency. Whether it’s your computers, cameras or inventory, protecting your business’ property is key to your success.
Power surges cost businesses $26 billion annually in lost time, equipment repairs and replacement costs.5
commercial property insurance for digital marketing agencies

Commercial Property Insurance

“A storm caused a power surge at our building, frying several of our computers, servers and other equipment.”
 
Commercial property insurance helps protect your business’ property from loss or damage caused by events like storms, fires or vandalism.
data breach insurance for digital marketing agencies

Data Breach Insurance

“My designer opened an attachment in an email she thought was from our client. The next day, our computers were locked down with a message saying our clients’ information was stolen.”
 
Data breach insurance helps your marketing business respond to a breach if personally identifiable information (PII) or personal health information (PHI) gets lost or stolen. It can help pay your costs to notify impacted individuals. Some insurers call this coverage "cyber insurance."

Digital Marketing Insurance You Can Depend On

As an insurance company with more than 200 years of experience, The Hartford understands the unique challenges your agency faces. We designed our insurance coverage solutions with digital marketing businesses like yours in mind ­­– so you can focus on your clients.
 
Find out more about other professions insure:
 

Frequently Asked Questions About Digital Marketing Insurance

Digital marketing insurance is made up of different types of insurance coverages, designed to help protect your company from various claims. For example, if a client slips and falls in your office, general liability insurance can help pay for their medical bills. Or if a client sues your agency by claiming your ad campaign lost them money, professional liability insurance can help pay your legal costs. Whether it’s protecting against data breaches or customer injuries, this coverage helps make sure you’re prepared for everyday risks.
Even one lawsuit from an unhappy client or a data breach can deal a significant financial blow to marketing agencies. Without the right coverage, you may be forced to pay these legal costs out of pocket, putting your business at serious financial risk. Many states also require businesses to carry certain types of coverage, such as workers’ comp insurance. If you don’t comply, you may have to pay a fee, fine or penalty.
The best way to get digital marketing insurance from The Hartford is to get a quote. We’ve made it easy for you to get a quote online for your specific needs in just a few minutes.
small business owner happy after getting an insurance for digital marketing agency quote

Get Digital Marketing Insurance Today

Get the protection you need to help keep your digital marketing business running smoothly.
 
Quote Today
 
 
Last Updated: April 8, 2025
** 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.
3 U.S. Chamber Institute for Legal Reform, “Tort Costs for Small Businesses”
 
4 American Society of Safety Professionals, “Why Ergonomics Should Be at the Forefront of Worker Safety”
 
5 Branham by Suburban Electrical Services, “Protecting Commercial Facilities From Power Surges”
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.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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