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Media, marketing & design insurance

Join over 18,430 UK creative companies covered by us. Compare tailored media insurance from trusted brands.

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What's on this page

Why is media company insurance important?

Back in the office or a home-based set-up – wherever the brief takes you, trips and falls, contract disputes, and other unexpected events can be a financial drain. From professional indemnity insurance, built to cover loss-causing errors in your work, to freelance cover that factors in your laptop, our insurance is designed to keep your mind on the work, not the what-ifs.

  • media freelance insurance, including expert professional indemnity cover
  • rated 4.7/5 based on 39K+ public and product liability customer reviews
  • equipment, accident, and employee cover – you choose what you need
Start your quote

What does media business insurance cover?

We’ll start with media professional indemnity insurance, covering you against errors in your work and activities which cause a financial loss to a third party – for example, if you send an email containing sensitive information to the wrong client. From there, you can add public liability cover for accidents and injuries, plus employers’ liability cover.

Media business public liability insurance

In case your business causes an injury or property damage.

What’s typically covered by public liability insurance?

Claims against your business for:

  • damage to someone’s property, caused by your business
  • an injury or illness caused by your business activities
  • accidental damage or injuries caused by your employees

For example:

  • a light fitting in your office falls and causes a client a head injury
  • while delivering a pitch, you leave your laptop cable running across the floor, tripping your client and causing an elbow injury

If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for you.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury or illness that happens as a result of working for you (including temps and casual workers)

**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:

  • your employee injures their lower back during an office move and holds you responsible
  • a contractor you’ve hired slips on your wet office kitchen floor, breaking their elbow

Media professional indemnity insurance

In case there’s a claim for loss-causing errors or issues with your work.

What’s typically covered by professional indemnity insurance?

Claims against your media company for professional negligence or a loss-causing breach of contract. This can include:

  • advice which turns out to be incorrect
  • mistakes in your work that cost others money to fix

For example:

  • you miss a contractual deadline due to supply chain issues, delaying your client’s product launch
  • an SEO agency you’ve recommended cause your client’s performance to drop, and they sue you for poor advice

Read more about professional indemnity insurance

Business and office equipment insurance

In case something happens to the equipment you rely on.

What’s typically covered by business and office equipment insurance?

  • accidental damage to the equipment you use to run your media company
  • theft, flood, and fire damage

For example:

  • two mobile phones you’ve just had delivered fall out of their packaging onto your concrete office floor, smashing their casing
  • an employee drops their work laptop onto a wet pavement, causing it to break

Read more about business and office equipment insurance

Legal expenses insurance

In case you face legal costs in connection with your media business.

What’s typically covered by legal expenses insurance?

  • legal costs attributed to your media company
  • property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
  • tax and compliance disputes and investigations you need help with
  • access to expert advice – including a tax advice phone line, confidential 24/7 legal phone line, and crisis PR support to help you protect your industry reputation

For example:

  • you incur legal costs when your employee sues you for unfair dismissal
  • an employee steals client files when they leave your company, and you need to hire legal representation

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or elsewhere.

What’s typically covered by personal accident insurance?

  • accidental injury or death at or outside of work, for anyone covered on the policy
  • lost income, medical costs, and hospitalisation benefit

For example:

  • you break your collarbone while playing rugby, and can’t come into the office for a week
  • your business partner falls down the office stairs, fracturing their knee which ends up requiring surgery

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

How much does media insurance cost?

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.

Prices start from £6.56 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

Start your quote

How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 January - 31 August 2021). Most customers pay more than this but some pay less.

Example media insurance quotes, real prices

£9.86 /month

£78.55 /month

A self-employed graphic designer who works on contracts from small businesses

  • 2-3 years' experience
  • Sole trader
  • No employees
  • Based in Coventry

Public liability

Not included


Employers’ liability

Not included


Professional indemnity

£50,000

£25.15 /month

£223.55 /month

A small design company that offers services such as website design and marketing material nationwide

  • 5+ years' experience
  • Limited company
  • 2 employees
  • Based in Milton Keynes

Public liability

£1,000,000


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 17/04/2021). 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.

What kind of excess should I expect?

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 coverLowest excessHighest excess
Professional indemnityNo excess£2500
Public liability£200£750
Contents£100£750
Portable equipment£100£500
Employers liabilityNo excessNo 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.

How it works

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    Only pay for what you need

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    Choose the best fit for you

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How do I choose insurance?

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?

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.

Does media insurance cover my work correctly?

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 advertising insurance or designers insurance?

Do I need cover for other types of work?

If you provide other services, make sure you’re covered:

Other types of insurance

Which public liability cover limit should I choose?

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.


Talk to an expert

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

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0333 043 8527

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Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions

How do claims work?

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.

£28 million in claims paid out in 2021

Paying 80% of settled claims within 24 hours in 2021

Example claim

Having media company insurance through Simply Business has saved industry professionals thousands of pounds when the unexpected happened.

Ella saved more than £10,900

An apprentice at Ella’s (not her real name) media company knocked the office water machine over onto the multi-function printer, causing extensive damage. The optional business and office equipment cover in Ella’s media insurance policy helped cover her repair and replacement cost.

Insurance payout

£10,946.00

Covering the cost of accidental damage


Ella’s costs

£100

The excess amount stated in Ella’s policy terms

Chosen by 800,000 small businesses and landlords

We started out as a team of five back in 2005. We’ve grown since then with 800,000 customers across 1,500 trades now trusting us to provide their business insurance.

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Media industry insurance FAQ

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 media freelance insurance, and other types of cover. You can also check out our business insurance FAQs.

  • For most freelancers (and other small businesses), professional insurance will be your responsibility to put in place. Professional indemnity, public and employers’ liability cover are common types of insurance often required by your clients within your contract, or by law, especially in the case of employers’ liability.

    Some clients will have insurance which may extend to you, for example, they must have employers’ liability cover if they employ anybody, including contractors, and this may work to protect you if you’re involved in an accident caused by your work for them. However, in general, it’s best to research and put your own policy together, for cover that suits your specific situation, as a freelancer.

  • 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.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.

  • If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.

  • 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

Helpful articles for media businesses

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