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These firms conduct, compile and present market research data for their clients by polling, surveying and interviewing the public. They determine consumer needs and gather information about competitors in a particular market for the purposes of helping their clients develop successful products or services or improve existing products or services.

General Liability Insurance for Market Research Firms – Slip, trip, and fall hazards can be reduced by using common sense practices at market research firms. Good housekeeping requires visitor areas to be neat and orderly and free of debris and obstructions. Furniture and displays should be placed to allow adequate walk space. Stairs should be clearly marked and should meet all building codes. Handrails should be firmly affixed above all stairs.

Professional Liability (Errors & Omissions) Insurance for Market Research Firms – False claims or product misrepresentation may lead to professional liability claims for market research firms. Market research firms that conduct surveys for their clients should carefully design the questions to make sure they are getting accurate results.

Workers’ Compensation Insurance for Market Research Firms – Repetitive motion injury is a concern for employees of market research firms. The frequent use of computers may result in injuries to the hands, arms, shoulders, neck, and back. Eyestrain is also a concern and periodic breaks should be taken to prevent employee injury. First aid equipment should be stored for easy access in case of an emergency.

Business Auto Insurance for Market Research Firms – Employees of market research firms may travel to meet their clients on occasion or to conduct product surveys, for example. As a result, business auto risks are increased. The frequency and radius of travel will impact the risks. MVRs should be verified for any employee who is subject to driving on company time. If employees use their own vehicles, they should be required to carry a Personal Auto insurance policy with minimum liability of at least $300,000 combined single limits.

Property Insurance for Market Research Firms – The most common ignition sources in marketing research firms come from faulty wiring and overheated electrical equipment, such as computer, photocopiers, scanners, fax machines, etc. All wiring should be regularly inspected for cuts, fraying, and worn out insulation. A licensed electrician should make repairs immediately. Specialized Inland Marine coverage may be necessary for electronic data processing. All computers and related equipment should be properly installed with sufficient daily backups of all important data and software that is maintained off premises.

Crime Insurance for Market Research Firms – Employee dishonesty for market research firms can take the form of embezzlement, collusion with clients to provide favorable terms in exchange for illegal compensation, and selling confidential information to outside or competing parties. Any copying of paper files or downloading of electronic files should be documented. Pre-employment hiring screening including signed applications, reference checks, and criminal background checks should help prevent employee dishonesty.