Industry · Agencies

Insurance for South African digital agencies.

Agencies live and die on client trust. The right insurance stack absorbs the two claims that most often blow up an agency — a professional negligence dispute, and a breach of client data.

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At a glance
  • Professional indemnity at realistic limits
  • Cyber cover for client data & POPIA
  • Public liability for client visits
  • Office contents & portable equipment
  • Cover for subcontractors
  • From R1,240/mo for 10-person teams

The agency insurance stack

What most SA agencies carry:

  • PI — R5M+ for growing teams, R10M+ for enterprise work.
  • Cyber — POPIA breach response and third-party claims.
  • Public liability — required by many landlords and client venues.
  • All-risks / office contents — for laptops, cameras and equipment.

Where agencies typically get it wrong

The most common under-insurance patterns:

  • PI stuck at R1M default — one serious claim exhausts it.
  • No cyber cover despite handling client credentials daily.
  • Subcontractors not named on policies.
  • Office contents excluding work-from-home equipment.
FAQ

Frequently asked questions

What insurance does a South African digital agency need?+

The core stack: professional indemnity (R5M+), cyber cover (client data + POPIA), public liability if you host clients, and office contents / all-risks for equipment.

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How much PI does a 10-person agency need?+

R5M is a realistic baseline. Enterprise or international client work usually calls for R10M+.

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Are subcontractors covered under my PI policy?+

Usually only if named on the policy or if your contract requires them to carry equivalent cover. Check the schedule carefully.

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