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.
| 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.
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
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
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.
| 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.
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
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 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.
Get all the best quotes from leading providers in a click of a button!
| 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
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
Depending on the value of insured assets and policy provisions, the coverage limits range from $100,000 and more.
| 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
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
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.
| 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 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 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
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 for commercial auto insurance coverage limits for SEO consultants range from $500,000 to $1 million.
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.
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 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.
Repetitive strain injuries
Office slip-and-fall injuries.
Mental health conditions
Eye strain
Work related illnesses:
Back injuries
Burnout
Work related travel accidents
Employment practices liability insurance–Protect yourself from employee or third-party claims of wrongful termination, discrimination, harassment or other employment-related issues
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 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.
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
| 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 |
Get all the best quotes from leading providers in a click of a button!
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:
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
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
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
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
SEO consultant-specific digital insurance platform
A simple policy management interface
Online certificates and policy requests are easy
Multiple affordable coverage levels
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
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
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
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
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
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
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
1 / 5
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.
1 / 5
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
1 / 5
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.
5 / 5
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
5 / 5
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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