Low-incidence studies wreck per-complete math. Is that insurable?

The claims are defensible when floors and true-up practices exist; carriers price the structure. We flag it in underwriting rather than let a claim find it.

Does client confidentiality drive cyber needs?

Client findings plus panel PII — both notification-heavy. Response coverage sized to panel counts is the core.

Are analysts’ methodology-credit disputes coverable?

The employment claims wrapped around them are EPL matters; pure IP fights run elsewhere. We boundary the program accordingly.

Headcount, pay math, data volumes, history — one application.

Market Research Firms Insurance: EPL, D&O & Management Liability

Why market research firms face employment claims

Project cycles drive bench reductions where analyst interchangeability on paper makes selection contestable; credit for methodologies and client relationships fuels separation disputes.

Field and panel operations run hourly interviewer workforces with quota pay — classification and per-complete compensation disputes scale across the roster.

Beyond EPL: the rest of the management liability picture

Panel PII and client-confidential findings define the cyber exposure; acquisitions by holding groups drive earn-out disputes. Explore D&O insurance, cyber liability, and fiduciary liability, or start with employment practices liability.

What a claim can look like

Illustrative scenario

An interviewer team alleges per-complete pay fell below minimum wage on low-incidence studies; screener logs price the claim across every study.

Illustrative scenario

A research director departing to a client alleges her non-solicit is retaliation for objecting to survey-weighting choices; methodology emails become the file.

Scenarios are illustrative composites, not descriptions of actual claims or outcomes. Whether any claim is covered depends on the policy issued.

What carriers will ask about your firm

Analyst and field headcount with pay structures
Per-complete compensation math and floors
Panel data volumes and security posture
Ownership structure
Three-year claims history
Gross annual revenue and payroll

One application. Multiple A-rated carriers.

We market your account and you compare terms side by side — no obligation.

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Frequently asked questions

Low-incidence studies wreck per-complete math. Is that insurable?: The claims are defensible when floors and true-up practices exist; carriers price the structure. We flag it in underwriting rather than let a claim find it.
Does client confidentiality drive cyber needs?: Client findings plus panel PII — both notification-heavy. Response coverage sized to panel counts is the core.
Are analysts’ methodology-credit disputes coverable?: The employment claims wrapped around them are EPL matters; pure IP fights run elsewhere. We boundary the program accordingly.
What starts quotes?: Headcount, pay math, data volumes, history — one application.

Provident Financial Group is an independent insurance agency, not a carrier. We place coverage for market research firms in New Jersey, New York, Connecticut, Vermont, Ohio, Pennsylvania, Michigan, Kansas, North Carolina, South Carolina, the District of Columbia, Virginia, Maryland, Delaware, Georgia, Florida, Texas, California, Kentucky, Massachusetts, Indiana, Nevada, and Arizona.