Insurance for Commission-Only Teams
Protect your commission-based sales team from professional liability, client disputes, and data breaches. Get comprehensive coverage designed for sales professionals.
Why Commission-Only Teams Need Insurance
Commission-based sales teams face unique risks that require specialized insurance coverage.
Client Misrepresentation Claims
Clients may claim they were misled about products, services, or commission structures.
Contract Disputes
Disagreements over commission rates, payment terms, or performance expectations.
Data Privacy Issues
Handling client data, leads, and sensitive information requires cyber protection.
Performance Guarantees
Clients may sue if promised results aren't delivered or if sales targets aren't met.
Team Member Issues
Individual team members can create liability for the entire team or company.
Regulatory Compliance
Sales activities must comply with various regulations and industry standards.
Essential Coverage for Commission Teams
These coverages are essential for protecting your commission-based sales team.
Errors & Omissions (E&O)
Professional liability for sales mistakes, misrepresentations, and service failures.
- • Misrepresentation of products/services
- • Commission structure disputes
- • Performance guarantee failures
- • Contract interpretation issues
- • Client relationship problems
General Liability
Protection against bodily injury, property damage, and personal injury claims.
- • Client injuries during meetings
- • Property damage at client sites
- • Slip and fall accidents
- • Equipment damage
- • Third-party injuries
Cyber Liability
Essential for teams handling client data and digital sales processes.
- • Client data protection
- • Lead database security
- • Ransomware attacks
- • Business interruption
- • Regulatory compliance
Employment Practices
Protection for employment-related claims from team members.
- • Wrongful termination
- • Discrimination claims
- • Harassment allegations
- • Wage disputes
- • Commission payment issues
Real Claims Scenarios
These are actual claims that commission-based sales teams face. Without proper insurance, these could be devastating.
Misrepresentation of Commission Structure
A sales team promised clients a specific commission structure but later changed the terms. Multiple clients sued for breach of contract, seeking $100,000 in damages.
Client Data Breach
A sales team's CRM system was hacked, exposing client contact information and sales data. Clients sued for privacy violations totaling $75,000.
Performance Guarantee Dispute
A sales team guaranteed specific revenue targets but failed to meet them. The client sued for lost profits and breach of contract, seeking $50,000.
Coverage Recommendations
Recommended coverage limits based on your team size and revenue.
Small Team (1-5)
Medium Team (6-20)
Large Team (20+)
Protect your sales team
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