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From campaign kick-off to industry awards ceremony, your magic touch gets you widely referred. Your business is only as successful as your reputation, so when it comes to professional indemnity insurance, marketing consultants often put this in the spotlight. From there, you can build the policy that fits you, adding cover for your equipment and team, if you have one.
We’ll start with professional indemnity (PI) cover, a priority for lots of marketing consultancies. Our PI protection includes cover for breaches of confidentiality, as well as negligence, intellectual property infringement, and defamation. You can choose to add other popular covers too, like public liability insurance for accidents and injuries, and employers’ liability cover is a legal requirement for most employers in the UK.
Professional indemnity insurance for marketing consultants
In case there’s a claim for negligence, or breaches in your duty of care.
Public liability insurance for marketing consultants
In case your marketing consultancy causes an injury or property damage.
Employers’ liability insurance
In case something happens to an employee while working for your consultancy.
Business and office equipment insurance
In case things like your phone or tablet are lost, stolen, or damaged.
Legal expenses insurance
In case you and your marketing consultancy face legal costs.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or elsewhere.
In case there’s a claim for negligence, or breaches in your duty of care.
Claims against your marketing consultancy for professional negligence or a loss-causing breach of contract. This can include:
For example:
Read more about professional indemnity insurance
In case your marketing consultancy causes an injury or property damage.
Claims against your business for:
For example:
What you’ll need additional cover for
Read more about public liability insurance
In case something happens to an employee while working for your consultancy.
Claims against your business for:
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
In case things like your phone or tablet are lost, stolen, or damaged.
For example:
Read more about business and office equipment insurance
In case you and your marketing consultancy face legal costs.
For example:
Read more about legal expenses insurance
In case anyone you’ve covered is accidentally injured, at work or elsewhere.
For example:
Read more about personal accident insurance
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
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*How we work out example prices 10% of our customers paid up to £22.81 a year for a professional indemnity insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £1.90 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
£15.7 /month
£137.02 /month
A self-employed, office-based marketing consultant specialising in direct marketing and design
Public liability
£1,000,000
Employers’ liability
Not included
Professional indemnity
£500,000
£55.26 /month
£491.16 /month
A small marketing consultancy specialising in TV and radio campaigns
Public liability
£2,000,000
Employers’ liability
£10,000,000
Professional indemnity
£250,000
How we work out example quotes These examples are real quotes from our online system (created 05/03/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
---|---|---|
Professional indemnity | No excess | £2500 |
Public liability | £200 | £750 |
Contents | £100 | £750 |
Employers liability | No excess | No excess |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
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Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Which type of workers do I need insurance for?
Does marketing consultants insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
Employers’ liability insurance is a legal requirement if you employ people.
If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.
Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider business consultant insurance or it consultant insurance?
If you provide other services, make sure you’re covered:
Other types of insurance
Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm
Call our team
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
Paying 80% of settled claims within 24 hours in 2022
Having marketing insurance through Simply Business has saved consultancies thousands of pounds when the unexpected happened.
While commuting to her shared workspace, Jess (not her real name) dropped her laptop onto the pavement, cracking the screen and making it unusable. The business and office equipment cover in her marketing consultant insurance policy covered the accidental damage.
£974
Covering the cost of accidental damage
£100
The excess amount stated in Jess’s policy terms
We started out as a team of five back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their business insurance.
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Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about professional indemnity insurance for marketing consultants, plus other popular covers. You can also check out our business insurance FAQs.
This depends on your business, your clients, and the contracts you’re taking on. If you’re certified by your industry body, then you may need professional indemnity insurance in order to operate. But even if it’s not mandatory for your job, professional indemnity cover will still be a priority for most consultants.
For example, your client may require you to have £250,000 of professional indemnity insurance in place before taking on their project. We offer between £50,000 and £5 million in PI cover, so it should be a quick job to find the right level for your policy.
From there, lots of businesses choose to include public and liability cover – in case they cause an accident – plus insurance for their tools and other kit. And remember, employers’ liability insurance is a legal requirement for most businesses with employees.
Many marketing consultants are home-based, and face risks just like any other business going about their daily activities.
Professional indemnity insurance for marketing consultants can cover you if a client makes a claim for mistakes or negligence which cost them money. Mistakes can happen anywhere, even at your desk at home, so this popular cover is worth considering if you’re giving advice or offering a professional service.
You can also add equipment and tools insurance, for your essential kit and portables, plus employers’ liability cover, which is usually a legal requirement if anyone is directly working for you, even if they’re working from their own home.
Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a plumber, you may also do building work on certain jobs – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 043 8527 and one of our insurance experts will help you set up your policy in minutes.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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