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Social Media Consultant Insurance Policy Information

Social Media Consultant Insurance

Social Media Consultant Insurance In today's fast paced, online world, businesses are constantly trying to outdo one another on social media platforms. Who can post the wittiest tweet? Which business will post the best Instagram pics? How do you share new promos and products via Facebook? The more you interact with your customers online, the more you are going to attract new audiences, and sell within your niche. But, with the benefits of social media also comes the backlash.

From saying too much (to not saying enough), to releasing sensitive information that shouldn't be out there, as a business owner you need to showcase just enough without saying too much. This is where a social media consultant comes in; and, social media consultant insurance is simply a must for those in this industry.

Social media consultant insurance protects your online business from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.

Below are some answers to commonly asked social media consulting insurance questions:


How Much Does Social Media Consultant Insurance Cost?

The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small social media consultants ranges from $27 to $39 per month based on location, size, payroll, sales and experience.

What Type Of Insurance Do Social Media Consultants Need?

Social Media

The best coverage for your web business depends on the type of social media consulting that you provide. Many people try to spread their coverage by taking on both professional liability and general liability policies. Getting both means that they get the best coverage for their businesses.

Although in most cases, a custom social media consultant insurance plan will be tailored to meet your needs. Below are some examples of risks covered by a social media policy:

Commercial General Liability: Social media consultant insurance will protect from liabilities stemming from possible injuries in the office. If a client comes in and slips and falls on a rug, or wet areas, you are protected.

If your property isn't well kept (not your own doing) and injuries ensue, this protection will shield you from liability, and having to pay high medical bills, doctor visits, and costs, for the injured party.

Professional Liability: This is also known as "errors and omissions" coverage. This covers you from claims of negligence. If you make a mistake as a consultant, you are shielded. If you post the wrong tweet at the wrong time, or release time sensitive information too early (and it does happen), you are covered.

This is extremely important, especially when dealing with big name clients, and high priced industries. You can make mistakes, and you need to protect your good name and business in the event you do. This coverage in your social media consultant insurance policy is going to protect you when those mistakes are made.

Commercial Auto: In the event you use company vehicles when going to meet a client, or to a campaign event, this might be an important policy addition as well. If you have employees who use company vehicles, they are also protected if they are in an accident, or if something happens while on the job.

If you use company trucks or cars, are constantly driving to meets clients or to go to company events, as a consultant, this is something you might want to consider adding onto your policy in order to protect you and other company employees while they are on the job.

Cyber Liability Insurance: Cyber crimes occur; if you are a consultant which has a business website, you need to protect it. From scammers trying to ruin your good name, to people trying to hack in and get proprietary company information, you need to do all you can to protect the business you have built.

Hacking is a multi-million dollar a year industry; and with many people trying to do harm out there, you might as well consider protecting yourself, as well as the clients you help, as a consultant in the world of social media marketing.

Crime Insurance:

If you have a physical office, theft might also be an issue you have to consider. Whether a disgruntled former employee or client tries to steal information, or local thieves try to steal equipment and supplies, you can protect your business with this form of social media consultant insurance coverage as well.

Depending on the value of items in the office, and type of information and supplies you have on site, the level of and amount of coverage you will choose to buy, is obviously going to vary for each consultant that works in this field and deals with different types of clients.

Commercial Insurance And Business Industry Classification


Description for 7371: Computer Programming Services

Division I: Services | Major Group 73: Business Services| Industry Group 737: Computer Programming, Data Processing, And Other Computer Related Services

7371 Computer Programming Services Establishments primarily engaged in providing computer programming services on a contract or fee basis. Establishments of this industry perform a variety of additional services, such as computer software design and analysis; modifications of custom software; and training in the use of custom software.

  • Applications software programming, custom
  • Computer code authors
  • Computer programming services
  • Computer programs or systems software development, custom
  • Computer software systems analysis and design, custom
  • Computer software writers, free-lance
  • Programming services, computer custom
  • Software programming, custom

Social Media Consultant Insurance - The Bottom Line

Of course no two consultants or consulting agencies are alike; the value of the work you do, and the type of client you are going to work with, is strongly going to dictate just how much you are willing to spend when it comes to your social media consultant insurance policies. But, these are some of the many things you have to consider when the time comes to protect your business.

So when comparing insurers, and levels of coverage, make sure you fully understand what to protect, how much to protect, and how to protect your name in this industry, to ensure optimal success as you move forward.

Additional Resources For Advertising, Marketing & Media Insurance

Learn about small business media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.


Advertising, Marketing And Media Insurance

The advertising and marketing industry is a fast-paced and constantly evolving field that involves creating and promoting products or services to consumers. This industry is constantly trying to stay ahead of trends and attract new customers, and as a result, it is prone to risks and uncertainties.

One of the biggest risks that the advertising and marketing industry faces is the potential for legal disputes. For example, a company may be sued for false advertising, copyright infringement, or for using someone else's intellectual property without permission. These types of legal disputes can be costly and time-consuming, and they can damage a company's reputation.

Business insurance is an important tool for protecting businesses in the advertising and marketing industry from these types of risks. Insurance can provide financial protection in the event of a legal dispute, which can help a business to avoid financial ruin. Additionally, insurance can help to protect a business's reputation by helping to manage the cost and impact of any negative publicity.

In addition to legal risks, the advertising and marketing industry is also at risk of financial losses due to errors and omissions. For example, a marketing campaign may not be successful, or a company may make a mistake in the production or distribution of a product. These types of errors and omissions can be costly, and insurance can help to protect a business from these types of losses.

Overall, insurance is an important tool for protecting businesses in the advertising and marketing industry from the various risks that they face. It can provide financial protection in the event of legal disputes or financial losses, and it can help to protect a company's reputation and financial stability.

Minimum recommended small business insurance coverage: Building, Business Personal Property, Business Income with Extra Expense, Employee Dishonesty, Money and Securities, Accounts Receivable, Bailees' Customers, Computers, Valuable Papers and Records, General Liability, Employee Benefits Liability, Professional and Advertising Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation.

Other commercial insurance policies to consider: Earthquake, Equipment Breakdown, Flood, Computer Fraud, Forgery, Special Floater, Cyber Liability, Employment-related Practices Liability, Business Automobile Liability and Physical Damage, Foreign Automobile Liability and Physical Damage, Foreign Workers Compensation, Repatriation Expense and Stop Gap Liability.


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