As a digital marketer, you need commercial insurance coverage to protect your business just like other businesses do. The fact that most of your activities are online-based doesn't mean that insurance coverage is superfluous to your needs. Here are some of the sticky situations that the right commercial insurance coverage, from a company like Welsh Insurance Agency Inc., may help you with:

Copyright Infringement Claims

As a digital marketer, you probably don't rely on original creations (quotes, graphics, and pictures) at all times. As such, there is always a risk that you or one of your assistants may make an error and use a copyrighted creation. You can lose serious money if the copyright holder sues you for copyright infringement, but the right insurance coverage (such as commercial general liability insurance) can cushion you from these losses.

Cyber Attack Losses

As a digital marketer, there is no telling how much a cyber attack or hack into your system can cost you. For example, being locked out of your websites or social media sites can cost you days or even weeks of work. Imagine being unable to access the results of a marketing survey that you have been holding for some time. It can be a nightmare unless you have a cyber-insurance to cover the losses and help you remedy the situation.

Missed Deadline Claims

You also need insurance coverage to help you in case you miss a client's deadline and you have to compensate them. You know that things move fast in the digital world, and even a missed deadline of a few days can result in costly expenses for a marketer. In this case, Errors & Omission insurance coverage can help you deal with the claim or associated lawsuit.

Libel Claims

When it comes to defamation or specifically libel claims or lawsuits, few industries are as risky as those that involve online publishing. Sharing or posting information that isn't exactly true can easily land you in hot water when the subject feels hurt by the information. This can not only cost you money (in the form of legal defense), but it can also cost you your customers. For example, some people may not want you to market for them for fear that their brand may be associated with your bad publicity. Dealing with all these issues to reclaim your previous business status is not easy, but the right insurance coverage can help you deal with it.

As you can see, it's clear that you need some form of coverage for your business. Talk to an insurance agent today to help you figure out the type of coverage you need.