Social Media Consultant Insurance
Coverage considerations for social media consultants who build strategies, manage accounts, and run paid campaigns for clients.
What this coverage is intended to address
- ✓Professional liability insurance and Errors & Omissions (E&O) insurance are generally intended to respond when a client alleges that a campaign or strategy you delivered caused a financial loss.
- ✓Advertising-injury and intellectual-property exposures, such as allegations of copyright infringement or improper use of an image in a post, which are generally intended to be addressed under applicable coverage.
- ✓Defense costs that may be associated with a covered claim arising from your consulting work.
Coverage products commonly considered
Most social media consultant operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A client alleges that the paid-ads strategy you designed wasted their budget and produced no return, and seeks to recover their spend; professional liability / E&O insurance is generally intended to respond to a covered claim of this type.
- A client claims a graphic you posted on their behalf infringed a photographer's copyright; advertising-injury coverage is generally intended to respond in the event of a covered claim.
Frequently asked questions
Why would a social media consultant carry E&O insurance?
Because clients can allege that a strategy or campaign you delivered caused them a loss. Professional liability insurance and Errors & Omissions (E&O) insurance are generally intended to respond to that kind of service-error claim. A licensed insurance professional can review your engagements.
What about copyright or content-use claims?
Allegations tied to the content you publish, such as copyright or improper image use, generally fall under advertising-injury and related coverage, which is intended to respond in the event of a covered claim. A licensed insurance professional can confirm how your work is treated.
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