Professional indemnity, cyber and public liability cover options for freelance and agency social media managers across Australia. Talk to a specialist broker.
Tell us a little about your business and we’ll be in touch to discuss your insurance requirements.
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Managing a client’s social media often means holding admin access to their accounts, ad manager and content library, and publishing on their behalf under tight deadlines. If an account is hacked while you hold the login, a boosted post uses content you didn’t have the rights to, or a comment thread goes unmoderated and turns into a dispute, the exposure can land on you as well as your client. Sol Insurance Brokers can help you explore cover options that reflect the access and publishing responsibility you actually carry.
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Is designed to help protect you against claims arising from an error or omission in the content, strategy or reporting you deliver for a client, such as a scheduling mistake or a missed brief requirement, subject to policy terms.
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Can help cover the costs following a hacked client account, data breach or ransomware event, relevant where you hold admin access to a client’s social, ad manager or CRM logins, subject to policy terms.
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Is designed to help protect you against claims for third-party injury or property damage, relevant if you meet clients in person, film content on location or work from a shared office.
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Can help cover your laptop, camera and other portable equipment against loss, theft or accidental damage, subject to policy terms.
Depending on your business and circumstances, additional covers may include, but are not limited to, Business Interruption, Personal Accident & Illness, Workers Compensation and Management Liability, where relevant and subject to policy terms, conditions and exclusions.
A client’s social account being hacked or taken over while you hold admin access
Publishing content that infringes someone else’s copyright or trademark, such as an unlicensed image or music track
A defamatory or offensive comment left unmoderated on a client’s page
A scheduling or publishing error that causes a client to incur additional costs or lost revenue
Breaching confidentiality obligations set out in a client services agreement
Loss of access to a client’s accounts following a device failure or phishing incident
Important: The information provided on this page is general in nature and does not take into account your individual circumstances. Insurance cover, terms, conditions and exclusions vary between insurers and policies. Your insurance requirements will depend on your business activities, contracts, assets and individual circumstances. Please refer to the relevant policy wording and documentation for full details of cover. The risks listed above are general examples only, for illustrative purposes, and do not confirm that your individual policy will respond to any particular claim.
Professional indemnity insurance can be relevant for social media managers because it may respond to claims that an error or omission in your content, strategy or reporting caused a client financial loss. Whether it’s needed depends on the services you provide and your contract terms.
This depends on the specific circumstances, the content involved and the policy in place. It’s a genuine risk in this line of work and worth raising directly with a broker so cover can be considered against how you actually source and use content.
Professional indemnity is generally about errors in the services you provide; cyber insurance is generally about costs following a data breach, hacked account or similar cyber event. Because social media managers often hold admin access to client accounts, cyber cover is often considered alongside professional indemnity, subject to the specific policy wording.
Yes, sole traders can generally obtain professional indemnity, cyber and public liability cover. Your business structure is one of several factors an insurer will consider.
Portable equipment cover can generally include your camera, laptop and other work equipment against loss, theft or accidental damage, subject to the policy terms and any conditions on how the equipment is stored or secured.
Tell us a bit about your business and one of our brokers will be in touch.
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