Public Relations Insurance

Business insurance for public relations agencies and self-employed consultants may include the following*

1. Professional Indemnity Insurance – This type of insurance protects your PR business from the financial costs associated with claims of professional negligence, errors and omissions, and losses as a result of public relation services provided to your clients.
2. Business Property Insurance – Whether you have premises and/or work from home, a comprehensive Business Property Insurance policy may help you mitigate your losses in the event of theft, fire, and other specified property damage. This protects your public relations business’s buildings and contents, such as equipment and furniture, from damage or theft.
3. Public Liability Insurance – If you’re dealing with clients face to face and/or at an event, it’s important to have Public Liability insurance. This type of policy helps protect your business from any claims related to third party property damage or personal injury.
4. Cyber Liability Insurance – May protect your public relations business from potential financial losses or any reputational damage that may arise from a cyber-attack or breach of data security. This type of insurance may also provide reimbursement or reimbursement of any money spent on responding to an attack and the costs incurred with repairing any damage caused, including notifying customers of the data breach.
5. Management Liability Insurance – This type of policy covers any claims arising from poor management decisions and depending on the policy wording may cover legal costs, such as defence costs and Employment Practices Liability insurance which covers claims from employees or former employees.
6. Business Asset Insurance – May cover the physical items important to running your business such as computer hardware and other items.
7. Commercial Motor Insurance – May cover damage caused by your business vehicles.