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.
| 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 for general liability insurance typically range from $500,000 to $2 million, but higher limits may be available depending on your business's needs.
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
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
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.
| 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.
The coverage limits can vary depending on the insurer and the specific policy but typically range from $1 million to $5 million.
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
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 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.
The coverage limit of media liability insurance is $1 million-$2 million per occurrence and aggregate. Higher limits are available upon request.
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
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.
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| 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.
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.
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
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
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.
| 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.
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.
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
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.
| 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.
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.
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
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
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 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.
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
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, 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.
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.
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
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 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.
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.
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
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.
| 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 |
Get all the best quotes from leading providers in a click of a button!
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.
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
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
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
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
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
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
Immediate data analysis to enhance the satisfaction of customers
Compare quotes over the phone
A partner of many reputable insurance companies
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
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
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
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
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
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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