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If your small business operates entirely online such as a marketing agency, IT consultancy, business coaching firm, or design studio, your physical risk profile is extremely low. That translates directly into much cheaper insurance rates.
How Much Does Agency Insurance Cost?
Because office-based and remote consultants don’t carry heavy machinery or visit physical construction sites, general liability and professional liability bundles for agencies often cost as little as **$25 to $40 per month**.
Why You Still Need Protection
Even digital businesses face risks. A missed deadline, a breached software file, or a copyright misunderstanding can lead to client disputes. Pairing a basic general liability policy with Professional Liability (Errors & Omissions) ensures your digital enterprise is fully armored.
