SEO Consultant Insurance: Cost & Quotes From $20/mo

Table of contents

SEO consultants play a crucial role in assisting businesses to increase the visibility and organic traffic of online businesses. Working isn’t a walk in the park all the time. There are hazards inherent to providing professional services. You must protect yourself and your company against work-related liabilities in today’s competitive business environment. 

Here is where SEO consultant insurance becomes indispensable. Purchasing insurance is a wise decision that can defend you from unforeseen events while working with web developers. You can be confident that your business will experience minimal setbacks due to media liabilities. Insurance can also help when data breaches and other cyber risks occur.

This article will cover everything you need to know about SEO consultant insurance and why it’s crucial to protect your livelihood with the proper coverage. 

General Liability Insurance for SEO Consultants

CoverWallet  NEXT (Best) Thimble  Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $300,000/$1,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $100,000 $100,000 $5,000 $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 Excluded Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included


General liability insurance for SEO consultants is a policy that protects you and your company against various liability risks. It covers potential legal costs and damages resulting from third-party claims of bodily injury, property damage, or advertising-related liabilities. In simple terms, general liability insurance protects your companies from claims of harm or damage caused by your activities or services. 


In Which Situations Can General Liability Insurance for SEO Consultants Policy Be Beneficial?

  • Cover medical expenses and legal claims if a customer slips, trips, or falls in your office

  • If you damage a client’s computer or equipment while delivering SEO services, your insurance can help pay for repairs or replacement

  • If your advertising campaigns or marketing materials accidentally violate someone’s copyright or trademarks

  • if you or your workers make false statements about a competitor, another person, or business in your advertising or online material, and they sue you

Add-Ons to General Liability Insurance for SEO Consultants

  • Cyber liability insurance–You handle sensitive customer data.This insurance for SEO consultant covers legal bills, notification costs, forensic investigations and credit monitoring for affected parties

  • Business interruption insurance–If a covered event like a fire, natural disaster, or other unforeseen occurrence disrupts your business operations. It recovers revenue and keeps your business going during outages

  • Umbrella liability insurance–Protects your firm from catastrophic occurrences and hefty liability claims that exceed your insurance

Coverage Limits for General Liability Insurance for SEO Consultants

General liability insurance for SEO consultants covers $1 million to $5 million per occurrence and $2 million to $10 million aggregate depending on the policy and insurer.


Professional Indemnity Insurance for SEO Consultants

CoverWallet (Best) NEXT  Thimble  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 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Yes No
Deductible  $500 $500 $500 $500 $500


Professional indemnity insurance for SEO consultants protects you against claims resulting from professional errors, omissions, or negligence in providing your SEO services. This insurance for SEO consultant is essential for you as you can potentially affect a client’s bottom line. 


Incidents When You Can Use Professional Indemnity Insurance for SEO Consultants

  • If a client claims your SEO methods or services failed to deliver the desired results, causing financial loss or company harm.

  • If you mislead clients about your SEO services.

  • If you fail to meet deadlines or deliver agreed-upon services, causing a financial loss for the client

Add-Ons for Professional Indemnity Insurance for SEO Consultants

  • Abuse and molestation coverage–This add-on covers abuse or molestation claims against your employees or subcontractors

  • Media liability coverage–This add-on covers media-related defamation, libel, slander, and intellectual property rights claims. It protects you from legal fees and damages from these claims

Coverage Limits for Professional Indemnity Insurance for SEO Consultants

Coverage limits for professional indemnity insurance for SEO consultants vary depending on the policy and insurer. The coverage limits range from $1 million to $5 million, depending on your SEO consultancy’s needs and risk.

Compare Cheap SEO Consultant Insurance Quotes Online

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

Commercial Property Insurance for SEO Consultants

CoverWallet NEXT (Best) Thimble The Hartford Hiscox
Building coverage limit (minimum) $50,000 $340,000 $25,000/$500,000 $35,000 $25,000
Contents coverage limit (minimum) $50,000 $35,000 $25,000/$500,000 $35,000 $15,000
Outdoor signs Excluded $2,500 Excluded Excluded Included
Accounts receivable  Excluded Excluded $5,000/$10,000 Excluded Included
Money and securities Excluded $2,500 $1,000 Excluded Included
Lock and keys  Excluded $2,500 Excluded Excluded Included
Business interruption floater Excluded Included Included Excluded Included
Equipment breakdown floater Excluded Included Excluded Excluded Included
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Excluded Excluded


Commercial property insurance for SEO consultants coverage for your physical assets, including office space, equipment, furniture, and inventory against various risks. It safeguards your company from:

  • Fire damage

  • Theft or burglary

  • Damage from natural disasters

  • Vandalism or malicious damage

Add-Ons of Commercial Property Insurance for SEO Consultants

  • Business interruption insurance–If a fire or natural disaster disrupts your business operations, this add-on covers lost income and additional expenses. It offsets financial losses due to downtime

  • Equipment breakdown coverage–Covers mechanical or electrical equipment breakdown repair or replacement, protecting your important tools and technology

Coverage Limits of Commercial Property Insurance for SEO Consultants

Depending on the value of insured assets and policy provisions, the coverage limits range from $100,000 and more.


Business Owner’s Policy for SEO Consultants

CoverWallet NEXT (Best) Thimble  The Hartford Hiscox
General liability aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000
Commercial property coverage limit  $50,000 $320,000 $25,000/$500,000 $35,000 $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) combines property insurance and liability insurance into one policy, which can save you money compared to buying each coverage separately. BOP is a smart investment for SEO consultants who want to ensure they are protected from unexpected events that could harm their business. Here are perils that a BOP covers:

  • Property damage

  • General liability claims

  • Business interruption

  • Data breach

Add-ons of Business Owner’s Policy for SEO consultants

  • Professional liability insurance–Protects you against financial loss due to client discontent or failed SEO results

  • Cyber liability insurance–This add-on covers data breaches, hacking, and cyberattacks

Coverage Limits of Business Owner’s Policy for SEO consultants

General liability coverage limits range from $1 million to $2 million per occurrence and $2 million to $4 million in aggregate. Commercial property coverage limits, on the other hand, are $60,000 or more. 


SEO letters on a brown wood.


Tools and Equipment Insurance for SEO Consultants

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 protects the tools, equipment, and technology utilized in the SEO business. This insurance covers theft, damage, or loss of your tools and equipment. This may include anything from laptops and smartphones to specialized hardware and software. Here are some perils covered:

  • Theft or burglary

  • Accidental damage

  • Loss or damage during transportation

Coverage Limits of Tools and Equipment Insurance for SEO Consultants

Coverage limits range between $5,000 and $25,000, depending on the value of the insured items and the specific policy. There may be higher coverage limits available for specialized equipment and high-value assets.


Commercial Auto Insurance for SEO Consultants

Commercial auto insurance is a coverage for vehicles used for commercial purposes. This insurance covers your commercial and personal vehicles  used for SEO business. 

Having commercial auto insurance will safeguard your finances by covering any damages or injuries caused by an accident. It protects against bodily injury liability, property damage liability, collision damage, and uninsured/underinsured motorists. You can use this insurance in the following situations”

  • If you are in a work-related car accident.

  • If your business vehicle is stolen, vandalized, or damaged by uncontrollable occurrences like fire, theft, or extreme weather

  • If your employee is involved in an accident while driving a company vehicle

  • If you unintentionally damage someone else’s property with your vehicle

Add-Ons to Commercial Auto Insurance for SEO Consultants

  • Rental reimbursement coverage–This add-on covers the cost of vehicle rental while your vehicle is getting repaired

  • Trailer coverage–This is a physical damage coverage that applies to the trailer attached on your commercial auto

Coverage Limits of Commercial Auto Insurance for SEO Consultants

Coverage limits for commercial auto insurance coverage limits for SEO consultants range from $500,000 to $1 million.


Excess Liability Insurance for SEO Consultants

Excess liability insurance provides additional coverage beyond your primary liability policy, acting as a safety net. This insurance protects your personal assets by covering costs exceeding your primary policy’s limits. This protection guarantees legal proceedings will not jeopardize your reputation or financial security, safeguarding your professional future.


Coverage Limits of Excess Liability Insurance for SEO Consultants

The coverage limits of excess liability insurance an insurer can pay you range from $1 million to $10 million, depending on the specific policy and insurer.


Workers Compensation Insurance for SEO Consultants

Workers compensation insurance for SEO consultants is a policy that covers medical expenses, lost wages, and rehabilitation if your employee is hurt or becomes ill on the job. The insurance also includes employer’s liability coverage, which protects you from potential litigation arising from workplace accidents, even in your digitally-oriented workplace.


Incidents When You Can Use Workers Compensation Insurance for SEO Consultants

  • Repetitive strain injuries

  • Office slip-and-fall injuries.

  • Mental health conditions

  • Eye strain

  • Work related illnesses:

  • Back injuries

  • Burnout

  • Work related travel accidents

Add-Ons of Workers Compensation Insurance for SEO Consultants

  • Employment practices liability insurance–Protect yourself from employee or third-party claims of wrongful termination, discrimination, harassment or other employment-related issues

Coverage Limits for Workers Compensation Insurance for SEO Consultants

Workers compensation insurance limits for SEO consultants can vary, but limits are approximately $500,000 per occurrence for bodily injury or illness and $1,000,000 for multiple claims during the policy period.


SEO Company Insurance

SEO company insurance is a type of insurance coverage designed particularly to protect your SEO company from potential risks and liabilities. It shields against potential legal claims and damages resulting from professional errors, data breaches, copyright infringement claims, cyber-attacks, and general liability incidents.


Add-Ons of SEO Company Insurance

  • Business interruption insurance–If a fire or natural disaster disrupts your firm, this coverage replaces lost income and covers ongoing expenses

  • Media liability–Protect you from advertising or marketing-related defamation, libel, slander, or invasion of privacy claims

  • Commercial property insurance–Covers your office space, equipment, and inventory

Rank and Review Insurance Companies

Help others make better decisions

Show more

SEO Consultant Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $36 $432 $0-$500
Professional liability insurance $40 $480 $1,000-$2,000
Commercial property insurance $53 $636 $1,000-$2,000
Business owner’s policy $82 $984 $1,500
Tools and equipment insurance $39 $468 $500-$1,000
Commercial auto insurance $43 $516 $500-$1,000
Workers compensation insurance $75 $900 $2,500-$5,000
Excess liability insurance $46 $552 $500-$1,000


The average SEO consultant insurance cost is $36 per month or $432 per year for a $1 million general liability policy. Factors that affect premiums are claims history, business history, policy limits, deductibles, and number of employees. Here’s a table showing the cost of a $1 million general liability policy from the best companies:

Cost per Month Cost per Year Best for
NEXT $18 $216 Best overall; Fastest general liability insurance for SEO consultants
The Hartford $20 $240 Workers comp insurance for SEO consultants
CoverWallet $23 $276 Comparing SEO consultant insurance quotes over the phone
Tivly $26 $312 Comparing SEO consultant insurance quotes over the phone
Thimble $30 $360 SEO specialists that need flexible, on-demand coverage to fit their project needs and durations
Hiscox $31 $372 Comprehensive and customizable coverage from a reputable insurance provider that serves small businesses and professionals

Compare Cheap SEO Consultant Insurance Quotes Online

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

Best SEO Consultant Insurance Companies

Here are the best SEO consultant insurance companies. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability policy:


NEXT SEO Consultant Insurance

Pros  

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance

  • 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 an SEO consultant insurance provider owned by Guy Goldstein, Nissim Tapiro and Alon Huri. Since its founding in 2016, NEXT has been at the vanguard of innovation, utilizing cutting-edge technology to provide specialized coverage options tailored to your specific requirements.

With their user-friendly online platform you can quickly obtain quotes, personalize policies and efficiently manage insurance. Their comprehensive policies include professional liability, cyber liability, and general liability insurance, which offer your SEO consulting business complete protection.

Best for: Best overall; Fastest general liability insurance for SEO consultants

Average cost: $18 per month

Our rating: 10/10 


The Hartford SEO Consultant Insurance

Pros 

  • Established business with a lengthy history

  • Extensive experience serving professionals and small enterprises

  • Customized protection options for SEO consultants

  • Reputation for dependability and service to customers

  • Solid financial security

Cons 

  • Coverage options and policy specifics may vary based on location

The Hartford is a renowned insurance company with a rich history dating back to 1810. The Hartford has extensive experience serving small businesses and professionals including SEO consultants. As a trusted insurance provider they understand the specific risks faced by SEO consultants and offer tailored coverage solutions. With their long-standing reputation for reliability and customer service, The Hartford is a preferred choice for SEO consultants.

Best for: Workers comp insurance for SEO consultants

Average cost: $20 per month

Our rating: 10/10 


CoverWallet SEO Consultant Insurance

Pros 

  • SEO consultant-specific digital insurance platform

  • A simple policy management interface

  • Online certificates and policy requests are easy

  • Multiple affordable coverage levels

Cons 

  • Some policy details may necessitate agent clarification or discussion

CoverWallet is a digital insurance platform catering to the unique requirements of SEO consultants established in 2015. As a subsidiary of AON, a global leader in insurance brokerage, CoverWallet combines industry expertise with user-friendly technology. CoverWallet allows you to easily update policy information, request certificates of insurance, and access support whenever needed.

Best for: Comparing SEO consultant insurance quotes over the phone

Average cost: $23 per month

Our rating: 10/10 


Tivly SEO Consultant Insurance

Pros 

  • Customized SEO consulting insurance

  • Experience helping digital professionals manage their insurance needs

  • Competitive price

  • Policy management and claims simplified online

  • Customer satisfaction with personalized support

Cons 

  • You need to call to compare quotes

Tivly is a specialized insurance provider for digital professionals.They provide exhaustive coverage options that address the unique SEO consulting risks. Tivly’s proficiency in assisting digital professionals makes them an ideal option for SEO consultants seeking customized insurance solutions. Call now to compare quotes over the phone. 

Best for: Comparing SEO consultant insurance quotes over the phone

Average cost: $26 per month

Our rating: 9/10 


Thimble SEO Consultant Insurance

Pros 

  • Innovative insurer offering flexible coverage options

  • Policies on demand by the hour, day or month to accommodate project timelines.

  • A straightforward application procedure for obtaining coverage

  • There are competitive pricing options for a range of coverage durations

  • Positive customer evaluations praising the usability and adaptability of the policies

Cons 

  • Have fewer coverage options than traditional insurance providers

Thimble, founded in 2016 is an innovative insurance provider that understands the dynamic nature of your work. You can purchase policies by the hour, day, or month allowing you to customize coverage based on the duration of your projects. With Thimble, you have access to an insurance solution that is convenient and adaptable to the varying needs of your SEO consulting business

Best for: SEO specialists that need flexible, on-demand coverage to fit their project needs and durations

Average cost: $30 per month

Our rating: 9/10 


Hiscox SEO Consultant Insurance

Pros 

  • Individual SEO consulting requirements can be met with policy options that are adaptable

  • Reputation for dependability and fiscal soundness

  • Comprehensive protection against multiple hazards

  • There are competitive pricing options for various levels of coverage

Cons

  • There may be coverage limitations in certain regions

Hiscox features customizable policy options, superior customer service, and swift claims processing. It’s no surprise that so many SEO consultants rely on them to protect their livelihoods, given their excellent reputation in the industry and experience providing specialized coverage for small businesses.

Best for: Comprehensive and customizable coverage from a reputable insurance provider that serves small businesses and professionals

Average cost: $31 per month

Our rating: 9/10 

Recent Reviews

Recent Posts


Additional Business Insurance posts