Core coverages in this program
- •Professional Liability (Errors & Omissions)
- •Media Liability
- •General Liability
- •Business Owner's Policy (GL + property)
- •Cyber Liability (recommended add-on)
- •Hired & Non-Owned Auto
Professional liability vs. general liability for agencies
The fastest way to understand which policy pays:
| What happened | Which policy responds |
|---|---|
| Client says your campaign or SEO work failed and cost them revenue | Professional liability (E&O) |
| You missed a launch deadline and the client sues for lost sales | Professional liability (E&O) |
| An image or song in your ad triggers a copyright demand | Media liability (often part of E&O) |
| A client trips over your camera cable during a photo shoot | General liability |
| You damage a client's office or rented event space | General liability |
| A client's ad account is hacked through your login | Cyber liability |
Typical 2026 costs
Typical ranges, not quotes. Pricing follows revenue, staff, client size and whether you guarantee results.
| Agency profile | E&O + media $1M | GL $1M/$2M | Package with cyber |
|---|---|---|---|
| Solo consultant, <$250K revenue | $700–$1,500/yr | $400–$700/yr | $1,600–$3,200/yr |
| Small agency, $250K–$1M revenue | $1,500–$4,000/yr | $600–$1,200/yr | $3,200–$7,500/yr |
| Agency with staff, $1M–$5M revenue | $4,000–$12,000/yr | $1,200–$3,000/yr | $7,500–$20,000/yr |
Renewing in the next 90 days?
That's the sweet spot to re-shop your coverage. KTL benchmarks your renewal across 20+ A-rated carriers — most clients see options within one business day.
What client contracts usually require
Brand, franchisor and SaaS vendor agreements most often ask for $1M–$2M professional liability, $1M per occurrence / $2M aggregate general liability, $1M cyber, additional insured status on the GL, and a waiver of subrogation. Send us the insurance section of your contract and we will quote to it exactly.
Mistakes that leave agencies exposed
These are the gaps we see most often when agencies send us their current policies.
- •Buying general liability only and assuming it covers client disputes (it doesn't)
- •An E&O policy without media liability when you produce creative
- •Claims-made E&O that lapses between carriers, losing coverage for past work
- •Scopes of work that guarantee rankings, leads or ROAS
Have Insurance Requirements From a Client?
Send us the insurance requirements from your contract, lease, vendor agreement, or licensing agency. A KTL commercial insurance specialist will review the requirements and help determine the coverage, limits, and endorsements you need.
Ready for a benchmarked quote?
A KTL specialist will shop your risk across multiple A-rated markets within one business day.