Help & resources
Get guidance on things such as HR, Marketing and Legal.
Fast, easy online quote in 90 seconds
24hr legal advice helpline included
No hidden fees or cancellations
Our marketing consultant and digital marketing agency insurance provides specialist cover for a range of marketing and media professions, including general marketing consultants, advertising agencies, PR advisors and brand designers.
With over 25 years’ experience insuring professionals, we have unrivalled knowledge of the risks facing the marketing and communications industry.
Building an insurance for marketing consultants policy for you or your marketing business is fast and easy. Our simple quote system asks you about your business activities and builds a policy around them. You can buy all or just some of the covers quoted, so you will only pay for the cover you want.
Cover at a glance:
- Tailored and packaged insurances designed for your business
- Includes professional indemnity, liability, legal expenses and more
- From £5 a month for consultants and agencies
- Covers errors in strategy, branding and communications
What is marketing consultant and digital agency insurance?
Advising clients does not always work out as planned. When things go wrong, it is vital your business is properly insured. A mistake in a design, a client injuring themselves during a visit to your office or the theft of expensive computer equipment could have serious repercussions for your business. Our marketing consultant insurance could cover you for these events and more.
Cover starting at
£5 a month*
*Price based on a marketing consultant requiring £1 million of public liability insurance.
Why do marketing consultants need insurance?
As a marketing consultant, there are risks tied to the work that you do every day. If a client’s campaign that you’ve advised on receives bad press, you could suddenly be on the wrong end of a claim.
If this scenario could potentially arise, as a marketing consultant you’d need professional indemnity insurance to help cover you against such negligence claims.
Alternatively, a client could come and visit your premises for a creative meeting, only to trip and injure themselves on a piece of equipment on your office floor, and land you with a compensation claim soon afterwards. In this case, public liability insurance would help you to deal with any financial implications, including a pay-out.
Put simply, there are many reasons why insurance for a marketing consultant would work for you. All you need to do is select which type would best suit you and the how you work.
Do I need insurance for a digital marketing agency?
Whatever shape your digital marketing agency comes in – whether you deal in SEO, social media, performance marketing, PPC or DPR, or advertising, your agency can only benefit from having suitable business insurance in place. You have clients, and no matter how hard your teams work and the results that they produce, there is always a risk of claims against targets missed, poor work standards, contract breaches, data loss and more. So yes, digital marketing agency insurance or advertising agency insurance is a vital consideration.
Do I need public liability insurance as a marketing consultant?
If you visit clients, or clients visit you, you should consider having public liability insurance in place as part of your marketing consultant insurance portfolio. Why? If your client is injured or their expensive laptop is damaged while at your office, then they may claim against you. Similarly, if you spend time on their premises and break or damage something belonging to your client, then you could soon face a hefty bill.
What type of insurance is needed for marketing consulting?
Along with public liability and professional indemnity insurance, a marketing consultant could benefit from having other forms of cover in their policy as well. Cyber and data insurance would be useful to have in place, as it’s likely that you’ll be often working with client data, along with analytics, website backends, and email. Any breaches of data confidentiality or security, such as a ransomware or malware attack could see you out of pocket as you pay for investigative and legal costs, not to mention client compensation too.
And, if you hire workers, you’ll need to take advantage of employers’ liability insurance to ensure you’re protected against any claims from your staff.
Example policy documents
If you have an existing policy with us, please sign in to view your policy documents.
Below you will find examples of the documents provided.
More marketing professions we cover
Tailor your business insurance for marketing consultants with these covers
-
Professional indemnity insurance for marketing consultants
Marketing consultant professional indemnity insurance covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and if unsuccessful, the cost of damages awarded against you.
Examples of claims include:
- You produce a new marketing plan for a client to grow income, but your recommendations have the opposite effect and sales drop. Your client takes legal action against you for the loss of business.
- You organise an event for a client, however when you arrive at the venue it transpires that you never confirmed the booking. The client claims against you for the cost of rearranging the event.
Cover is available with limits ranging from £50,000 to £5m.
-
Public liability insurance for marketing consultants
Public liability insurance covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products.
Examples of claims include:
- A client slips during a visit to your offices and injures themselves. They make a personal injury claim against you seeking compensation.
- In commissioning an exhibition display you created for a client you damage the floor of a venue, and your client is sent a repair bill. Your client expects you to pay the bill.
Limits range from £1m to £5m.
-
Employer's liability insurance
Employer’s liability insurance is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment.
Examples of claims include:
- An employee trips over a computer cable in your office and breaks their wrist. They make a personal injury claim against you seeking compensation.
- Whilst setting up an exhibition stand for a client, an employee injures their back. They are unable to work for a significant period of time and make a personal injury claim against you seeking compensation.
If your business employs staff, even on a part time basis, you need this cover. Cover for £10m.
-
Legal expenses insurance
Commercial legal expenses insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided for the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.
-
Directors and officers insurance
Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.
-
Office insurance
Office & business equipment insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property.
-
Occupational personal accident insurance
Occupational personal accident insurance provides a weekly payment if you are unable to work due to temporary total disablement (subject to a 14-day deferment period) due to an accident at work, or when travelling to and from work. In the event of loss of limbs, sight, speech, hearing, permanent total disablement or death, a lump sum would be paid out. You should consider this cover if you would struggle to maintain an income following an accident that left you unable to work. Limits from £100/week to £500/week for temporary total disablement (£25k lump sum to £100k lump sum for permanent total disablement).
-
Cyber and data risks insurance
Cyber insurance pays the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit following a cyber-attack. It also pays your legal defence costs and damages you are legally liable to pay to other parties. If you hold confidential information about your clients and their projects on computers and other internet connected devices, you should consider to this cover.
How it works
Choose the cover you require
Get a quote you need in minutes
Buy online or contact one of our advisors
How much does marketing consultant insurance cost?
At Markel Direct, we offer marketing consultant business insurance from £5 a month for £1 million worth of public liability cover*. When it comes to insurance, the cost varies from business to business depending on:
- The size of your business - your turnover and whether you have any employees
- The level of cover you choose
- The types of projects you work on and the equipment you use.
To get a clearer idea of how much you’ll pay, simply get a quote online.
Indicative quotes
Marketing consultant
- Limited company
- 1 employee
- £162,000 turnover
- Canterbury
- (£306.88/yr)
- £30.69/mo
- Professional indemnity £1m
- Public liability £1m
- Employers' liability £10m
- Legal expenses £100,000
Graphic designer
- Limited company
- 0 employees
- £67,000 turnover
- Cambridge
- (£194.88/yr)
- £19.49/mo
- Professional indemnity £1m
- Public liability £1m
- Employers' liability
- Legal expenses
Website designer (no hosting)
- Sole trader
- 0 employees
- £75,000 turnover
- Colchester
- (£133.28/yr)
- £13.33/mo
- Professional indemnity £50,000
- Public liability £1m
- Employers' liability
- Legal expenses
*Final price payable is subject to underwriting criteria and acceptance. AI images are used on this website to depict example customer types. Any resemblance to an actual person is purely coincidental.
Ready to build your quote?
Our simple quote process will help you to find the right business insurance for your individual needs.
Frequently asked questions
These frequently asked questions are designed to help you and include questions relating to policy cover, pricing and ‘technical’ terms.
-
Which marketing professions do you cover?
We insure a wide range of marketing professions, including:
- Marketing consultants
- Freelance creatives, graphic designers and web designers
- Advertising and media consultants/agencies
- Branding consultants
- Digital marketing consultants
- PR consultants and advisors
- Communications consultants
- Market research consultants
-
I need professional indemnity insurance to secure a contract - do you provide proof of cover?
Yes. If you purchase your policy with us, your documents are emailed to you instantly and include a dedicated 'Confirmation of Liability Insurance' document (detailing the cover you have with us) which you can present to agencies and clients as proof of cover.
-
Is my past work covered?
We cover past work if you have held professional indemnity insurance uninterrupted prior to arranging your policy with us.
If there was a period of time where you did not have professional indemnity insurance in force (for example, you have never arranged professional indemnity insurance before, you chose not to renew a previous policy or you cancelled a previous policy at the end of a contract) we are unable to cover past work.
If you require further clarification, don't hesitate to call us on 0800 640 6600.
-
What's the difference between professional indemnity and public liability?
Professional indemnity insurance covers against allegations of professional negligence - which means it would cover you if you were to make an error or mistake in a piece of work (such as a project or report) for a client.
Public liability insurance covers against allegations of injury or illness caused to third parties by your negligence. This includes many of the slips, trips and falls that are associated with personal injury claims. In addition, public liability insurance covers against damage to third party property - for example, if you were to damage a client-owned laptop or smartphone.
As they insure against different scenarios, it's important you consider arranging both types of cover to ensure you are properly protected.
-
What limit of cover should I choose?
Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer a range of limits on insurance, so you're sure to find the right cover for your business.
-
Why should I choose Markel Direct's Insurance
Markel Direct has over 25 years of experience insuring contractors, consultants and self-employed professionals. We insure over 200,000 micro businesses and are highly rated by our customers at Feefo.com.
We are a division of Markel International, a Lloyd’s of London market insurer that wrote gross premium totals of £2.4bn in 2023
To talk about your insurance requirements and better understand our cover, call us on 0800 640 6600 or get a quick quote online.
-
How are Markel Direct regulated?
Markel Direct is a trading name of Markel International Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Find out more on the Financial Services Register.
We are a division of Markel International, a Lloyd’s of London market insurer that wrote gross premium totals of £2.4bn in 2023
Can't find the answer you are looking for? - Contact our experts
Access specialist business services as part of your policy cover.
As a specialist insurer of accountants and bookkeepers, we provide a range of useful services for you to access, included as standard with certain covers.
What is included:
Relevant News and Insights
Existing customer?
Whether you need to renew a policy, or modify an existing policy, or simply have a question, contact us.