Public Relations Business Insurance: Cost & Quotes From $65/mo

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Publicity is very important for all kinds of businesses. PR firms help create the noise and trend needed. For one, these businesses are responsible for enticing the crowd to watch a certain film.  

Like any other business, public relations businesses face various risks and uncertainties that could lead to significant financial losses. Like for example, a marketing professional might sue for copyright infringement or reputational harm. That’s why public relations agencies and professionals must have adequate insurance coverage. 

Public relations insurance or PR insurance protects businesses from potential liabilities arising from their operations. This specialized coverage covers a wide range of risks, from professional negligence and errors to lawsuits and property damage.

General Liability Insurance for PR Agency

CoverWallet  NEXT (Best) Thimble Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $300,000/$1,000,000 $300,000 $100,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No No Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes
Deductible $0 $0 $0 $0 $0


This type of insurance for PR agency covers third-party bodily injury, property damage, and advertising injury claims. This insurance can help cover legal fees, settlements, and judgments if your business is sued for one of these claims.

Coverage Limits of General Liability Insurance for PR Agency

Coverage limits for general liability insurance typically range from $500,000 to $2 million, but higher limits may be available depending on your business’s needs.


Specific Situations Where This Insurance Can Help

  • A client or visitor trips and falls in your office, injuring themselves and requiring medical attention

  • You accidentally damage a client’s property while setting up for a public relations event

  • A competitor accuses you of making false or misleading statements in advertising or marketing campaigns

Add-Ons to General Liability Insurance for PR Agency

  • HNOA coverage–Hired and non-owned auto liability insurance is an add-on to general liability insurance that covers the cost of accidents caused by a hired or borrowed commercial vehicle 

  • Cyber liability insurance–As a public relations professional, you may handle sensitive client information online. Cyber liability insurance can help protect your business from losses due to data breaches

What Types of Businesses in the Public Relations Industry Can Benefit from General Liability Insurance?

General liability insurance can benefit a wide range of businesses in the public relations industry, including PR agencies, independent publicists, marketing and advertising firms, and event planning companies. 


Professional Indemnity Insurance for Public Relations Businesses

CoverWallet  NEXT Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $1,000,000 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No
Deductible  $500 $500 $500 $50/$10,000 $500


Professional indemnity insurance, also known as public relations professional liability insurance, is designed to protect PR agencies and professionals from financial losses due to claims of professional negligence, errors or omissions, and other liabilities. This insurance covers legal defense costs, settlements or judgments, and other related expenses.


Coverage Limits of Professional Indemnity Insurance for Public Relations Businesses

The coverage limits can vary depending on the insurer and the specific policy but typically range from $1 million to $5 million. 


Add-Ons to Professional Indemnity Insurance for Public Relations Businesses

  • Crisis management coverage to cover the costs of managing a crisis or reputational damage incident

  • Media liability coverage to cover the costs of defending against defamation or other media-related claims

Can This PR Insurance Cover Claims Made by Former Clients?

Yes, this PR insurance can cover claims made by former clients as long as the policy was in effect when the alleged incident occurred. Maintaining continuous coverage is essential even after a client relationship ends, as claims can still be made after.


Media Liability Insurance for Public Relations Businesses

Media liability insurance grants protection if your public relations business is sued for copyright infringement, libel, defamation, and other related offenses. Note that this is a type of errors and omissions coverage that can be availed as an endorsement to professional liability insurance. 


Coverage Limit of Media Liability Insurance for Public Relations Businesses

The coverage limit of media liability insurance is $1 million-$2 million per occurrence and aggregate. Higher limits are available upon request. 


Specific Situations Where This Insurance Can Help

  • A client claims that your public relations advice caused them to lose business or suffer financial damages

  • You accidentally publish false information that damages a client’s reputation

  • A client alleges you violated their privacy rights by sharing sensitive information with the media

How Can Public Relations Businesses Determine the Appropriate Coverage Limits for Their Media Liability Insurance Policy?

It’s by considering various factors such as the size and nature of their business, the type of media they use, and the potential risks and liabilities associated with their activities. It is also important for businesses to assess their past and potential exposure to media liability claims and the financial impact of such claims.

Compare Cheap Public Relations Insurance Quotes Online

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Commercial Property Insurance for Public Relations Businesses

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $60,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $60,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded
Lock and keys  Excluded $2,500 Excluded Excluded Excluded
Business interruption floater Excluded Included Included Included Excluded
Equipment breakdown floater Excluded Included Excluded Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included Excluded


Commercial property insurance is a type of insurance policy that provides coverage for the physical assets of a business. This policy protects the building, equipment, inventory, and other property the business owns or leases from damage or loss due to fire, theft, vandalism, riot, and other covered perils. 


Coverage Limits of Commercial Property Insurance for Public Relations Businesses

The coverage limits for Commercial Property Insurance vary depending on the policy chosen by the business. The limits usually range from $500,000 to $5 million but can be higher for larger businesses or those with more valuable property.


Specific Situations Where This Insurance Can Help

  • Damage to the building or property caused by fire, theft, vandalism, or weather-related events like floods or hurricanes

  • Loss of inventory due to theft, damage, or spoilage

  • Interruption of business operations due to property damage or loss, resulting in lost income or extra expenses

Add-Ons to Commercial Property Insurance for Public Relations Businesses

  • Business interruption coverage to compensate for lost income during downtime caused by covered perils

  • Equipment breakdown coverage to protect against repair or replacement costs of damaged equipment

  • Flood insurance for protection against damage or loss due to flooding, which is not typically covered under commercial property insurance policies

Does the Law Require Commercial Property Insurance for a PR Agency?

Commercial property insurance is generally not required by law for public relations agency. However, some landlords may require tenants to carry this insurance as a condition of their lease. Additionally, many lenders may require businesses to carry this insurance as a condition of obtaining a loan.


Business Owner’s Policy for Public Relations Businesses

CoverWallet Thimble (Best) NEXT  Hiscox The Hartford
General liability aggregate limit  $2,000,000 $2,000,000 $2,000,000 $300,000 $1,000,000/$2,000,000
Commercial property coverage limit  $50,000 $500,000 $260,000 $25,000 $75,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes


A business owner’s policy (BOP) is a comprehensive insurance policy specifically designed to meet the insurance needs of small to mid-sized public relations businesses. A BOP combines two types of coverage: property insurance and liability insurance.


Coverage Limits of Business Owner’s Policy for Public Relations Businesses

The coverage limits for a BOP vary depending on the policy chosen by the business owner. The limits usually range from $1 million to $5 million.


Specific Situations Where This Insurance Can Help

  • Damage to property caused by natural disasters, such as fires, floods, or earthquakes

  • Bodily injury or property damage caused by the public relations business or its employees

  • Libel or slander claims against the public relations business or its employees

What is the Process for Filing a Claim Under a BOP Policy?

To file a claim under a BOP policy, you should contact your insurance provider immediately after an incident. Your provider will guide you through the claims process and provide you with the necessary forms and documentation to complete.


Tools and Equipment Insurance for Public Relations Businesses

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


Tools and equipment insurance for public relations businesses covers tools, equipment, and other items necessary to operate. This insurance policy protects the business owner against financial losses due to damage, theft, or loss of their tools and equipment.


Coverage Limits of Tools and Equipment Insurance for Public Relations Businesses

The limits are determined based on the value of the insured equipment and the coverage amount chosen by the policyholder. Generally, coverage limits can range from $5,000 to $250,000 or more.


Specific Situations Where This Insurance Can Help

  • Theft of tools and equipment from the business premises

  • Accidental damage to tools and equipment during use

  • Damage to tools and equipment caused by a natural disaster, such as a fire, lightning, storms, or winds

Add-Ons to Tools and Equipment Insurance for Public Relations Businesses

  • Business interruption coverage–This add-on covers the loss of income that may result from equipment breakdown or damage. It compensates the business for the lost revenue when repairs or replacements are being done

  • Transit coverage–This add-on covers the tools and equipment while they are being transported to and from job sites. It can protect the business from the financial loss that may result from damage or theft during transportation

What Types of Tools and Equipment Are Typically Covered by This Insurance Policy?

Typically, this insurance policy covers all types of tools and equipment used in the public relations business, such as cameras, computers, printers, telecommunication equipment, and other office equipment. The insurance coverage can be customized to protect specialized tools and machinery utilized explicitly within the public relations sector.


Commercial Auto Insurance for Public Relations Businesses

Commercial auto insurance is a type of insurance policy that provides coverage for vehicles used for business purposes. Public relations businesses may have a fleet of vehicles for various purposes, such as transporting employees, delivering goods, or attending events. In such cases, commercial auto insurance can protect the business from financial loss in the event of an accident.


Specific Situations Where This Insurance Can Help

  • If you or an employee of your PR agency gets into an accident while driving a company-owned or leased vehicle, this policy will cover the damages and injuries resulting from the accident

  • If your PR agency uses hired or non-owned vehicles for business purposes, you can add this endorsement to your commercial auto policy to cover any resulting accidents

  • If you or your employees get injured in a company-owned or leased vehicle, your commercial auto insurance policy can help cover the medical expenses resulting from the accident

What Vehicles Are Covered Under Commercial Auto Insurance for Public Relations Businesses?

Commercial auto insurance can cover various vehicles used for business purposes, including cars, vans, trucks, and trailers. However, the specific coverage limits and add-ons may depend on the type and usage of the vehicle. For example, a company-owned car used for transporting employees may have different coverage limits than a truck for delivering goods.


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Excess Liability Insurance for Public Relations Businesses

Excess Liability Insurance, also known as umbrella insurance, is an insurance policy that provides additional coverage beyond the limits of a company’s primary liability policy. It protects against catastrophic events that could result in significant financial loss.


Coverage Limits of Excess Liability Insurance for Public Relations Businesses

The coverage limit for excess liability insurance typically starts at $1 million and can go up to $10 million or more, depending on the needs of the business.


Specific Situations  Where This Insurance Can Help

  • In a significant accident where damages exceed the limits of a company’s primary liability policy, excess liability insurance can help cover the remaining costs

  • If a company faces a lawsuit for damages that exceed the limits of its primary liability policy, excess liability insurance can provide additional coverage for legal defense fees and settlement costs

Can Excess Liability Insurance Be Customized to Meet the Needs of a Specific Business?

Yes, excess liability insurance can be customized to meet the specific needs of a business. This may involve selecting a coverage limit that meets the company’s risk exposure. 


Workers’ Compensation Insurance for Public Relations Businesses

Workers’ compensation insurance is a policy that benefits employees who become injured or ill on the job. It covers medical expenses, lost wages, and rehabilitation costs for employees injured or falling ill while working for their employer.


Coverage Limits of Workers’ Compensation Insurance for Public Relations Businesses

The coverage limits for workers’ compensation insurance mainly depend on the state where the business is located and the type of business. Coverage limits may also depend on the number of employees and their work type.


Specific Situations Where This Insurance Can Help

  • Repetitive motion injuries–Employees who develop conditions such as carpal tunnel syndrome due to repetitive motion can receive benefits through workers’ compensation insurance

  • Accidents outside the office–Workers’ compensation insurance may cover employees who are injured while traveling for work or attending a work-related event

Is Workers’ Compensation Insurance Mandatory for Public Relations Businesses?

The requirements for workers’ compensation insurance vary by state. However, most states require employers to have workers’ compensation insurance if they have a certain number of employees. It is required to check with the state’s Department of Labor to determine if workers’ compensation insurance is required for public relations businesses.

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Public Relations Business Insurance Cost

Cost per Month Cost per Year Deductibles
General liability insurance $42 $504 $0-$500
Professional liability insurance $50 $600 $500-$1,000
Media liability insurance $55 $660 $1,000-$2,000
Commercial property insurance $80 $960 $1,000-$2,000
Business owner’s policy $92 $1,104 $500-$1,000
Tools and equipment insurance $48 $576 $500-$1,000
Workers comp insurance $98 $1,176 $2,500-$5,000
Commercial auto insurance $78 $936 $500-$1,000
Excess liability insurance $43 $516 $500-$1,000


The average public relations insurance cost is $42 per month or $504 per year for a $1 million general liability coverage. Factors that affect the cost of premiums are deductible, coverage limits, and any additional endorsements or riders added to the policy. 

It is recommended that business owners shop around and obtain quotes from multiple insurance providers to compare costs and ensure they are getting the best value for their coverage needs. In connection, here’s a table showing the rates of the best companies:

Cost per Month Cost per Year Best for
NEXT $25 $300 Best overall; Fastest general liability insurance for public relations businesses
CoverWallet $29 $348 Comparing public relations business insurance quotes online
The Hartford $32 $384 Established public relations businesses seeking reliable and comprehensive coverage options.
Tivly $35 $420 Comparing public relations insurance quotes over the phone
Thimble $37 $444 Public relations businesses with irregular schedules or short-term projects
Hiscox $40 $480 Businesses seeking coverage and strong financial backing

Compare Cheap Public Relations Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Public Relations Business Insurance Companies

Here are some of the best public relations insurance companies. Read to know their proc, cons, and average rate for a $1 million general liability insurance. 


NEXT Public Relations Business Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for public relations businesses

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any

NEXT is a technology-driven insurance company that specializes in providing small business insurance. With this company, customers can customize their policies to meet their specific budget, making it a popular choice among small business owners.

Best for: Best overall; Fastest general liability insurance for public relations businesses 

Average cost: $25 per month 

Our rating: 10/10


CoverWallet Public Relations Business Insurance

Pros

  • Consolidate all of your insurance policies into a single location, streamlining the process of reviewing your coverage, paying your bills, and filing claims

  • They provide excellent customer service and support, with a dedicated team of insurance advisors available to answer any questions or concerns

Cons

  • Some customers have reported delays in processing claims and difficulty contacting customer service during peak periods

CoverWallet is an insurance company that provides digital insurance solutions to small and medium-sized businesses. The company aims to simplify the insurance buying process by allowing businesses to compare and purchase policies online.

Best for: Comparing public relations business insurance quotes online

Average cost: $29 per month

Our rating: 10/10


The Hartford Public Relations Business Insurance

Pros

  • Free benefits like new car replacement are included with AARP auto insurance policies

  • Reduced prices or lower rates are offered to individuals who are 50 years old or older

Cons

  • Hartford may not be the most affordable option for small public relations businesses with tight budgets

The Hartford is a well-known insurance company that has been in business for over 200 years. They provide personalized customer service and have a team of experienced agents who can help businesses find the right coverage for their needs.

Best for: Established public relations businesses seeking reliable and comprehensive coverage options

Average cost: $32 per month

Our rating: 10/10


Tivly Public Relations Business Insurance

Pros

  • Immediate data analysis to enhance the satisfaction of customers

  • Compare quotes over the phone

  • A partner of many reputable insurance companies

Cons

  • Tivly is a relatively new player in the insurance market, and some customers may prefer to work with more established providers

Tivly is an insurance technology company that specializes in providing business insurance products. Their mission is to make insurance simple, transparent, and accessible to all businesses. Call now to compare quotes over the phone. 

Best for: Comparing public relations insurance quotes over the phone

Average cost: $35 per month 

Our rating: 9/10


Thimble Public Relations Business Insurance

Pros

  • Offers flexible insurance policies that can be purchased by the hour, day, or month, providing coverage only when needed

  • They have a model plan that can be easily adjusted to accommodate different levels of growth

Cons

  • Their coverage options may not be as comprehensive as some other providers in the market

Thimble is an insurance provider that offers on-demand coverage for small businesses and self-employed professionals. This insurance company allows you to choose to get covered for the whole year or only for a number of days. Policies offered are general liability, commercial property, professional liability, and more. 

Best for: Public relations businesses with irregular schedules or short-term projects

Average cost: $37 per month 

Our rating: 9/10


Hiscox Public Relations Business Insurance

Pros

  • You can get a discount of up to 5% if you purchase two or more products from Hiscox

  • The company has a solid financial rating, which can provide peace of mind to customers

Cons

  • Typically, only businesses with a maximum of 10 employees can qualify for business owner’s policies

Hiscox is a leading insurance company that offers a variety of insurance products for businesses. With over 100 years of experience, Hiscox is known for providing tailored coverage and exceptional customer service.

Best for: Businesses seeking coverage and strong financial backing

Average cost: $40 per month 

Our rating: 9/10

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