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Marketing consultant insurance

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What's on this page

Why do you need marketing consultant insurance?

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.

  • professional indemnity insurance for marketing consultants – £50,000 to £5 million
  • 24/7 UK-based claims support from an expert team
  • equipment, accident, and employee cover – you choose what you need
Start your quote

Insurance for marketing consultants – what’s covered?

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.

What’s typically covered by professional indemnity insurance?

Claims against your marketing consultancy 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 use an old logo on multiple assets, meaning everything needs to be redesigned and signed off, costing the client money through delays
  • you’re hired to develop a new marketing plan for your client, but they claim your work has caused a drop in click-throughs

Read more about professional indemnity insurance

Public liability insurance for marketing consultants

In case your marketing consultancy causes an injury or property damage.

What’s typically covered by public liability insurance?

Claims against your business for:

  • damage to someone’s property
  • injury or illness caused by your marketing consultancy
  • accidental damage or injury caused by your employees, if you have any

For example:

  • you’re pitching to a potential client when you accidentally spill water onto their presenting equipment, damaging the screen
  • you leave your bag on the floor at a client’s office and someone falls over it, breaking their wrist

What you’ll need additional cover for

  • 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 something happens to an employee while working for your consultancy.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury or illness that comes 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:

  • you’ve provided an unsuitable desk set-up for your account manager, who develops chronic back pain as a result
  • a work experience employee gets an injury from the coffee machine in your office kitchen

Business and office equipment insurance

In case things like your phone or tablet are lost, stolen, or damaged.

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

  • theft, flood, fire, or accidental damage to the equipment you use to run your business
  • operational equipment like your laptop, office printer, and phone

For example:

  • you leave your laptop bag on the train on your way into the office
  • an employee spills coffee over your desktop computer and trackpad while you’re reviewing designs together

Read more about business and office equipment insurance

Legal expenses insurance

In case you and your marketing consultancy face legal costs.

What’s typically covered by legal expenses insurance?

  • legal costs attributed to your marketing consultancy
  • 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 reputation as a top marketing consultancy

For example:

  • a temp you’ve hired is injured at work and brings a claim against you – you need to recover the legal fees
  • your office space is vandalised and you need to raise a legal claim, which costs you money

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:

  • your assistant slips on a wet floor in your shared workspace toilets, breaking their knee which will require surgery
  • you damage your spine while on holiday and won’t be able to work at full capacity for six months

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 marketing consultant 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 £5.15 per month

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

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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 July - 31 December 2020). Most customers pay more than this but some pay less.

Example marketing consultant insurance quotes, real prices

£15.7 /month

£137.02 /month

A self-employed, office-based marketing consultant specialising in direct marketing and design

  • 1-2 years' experience
  • Sole trader
  • No employees
  • Based in Milton Keynes

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

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

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.

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
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

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

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We handle claims, so you can get on with business

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 marketing consultants 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 business consultant insurance or it consultant insurance?

Do I need cover for other types of work?

If you provide these services alongside building work, 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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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.

£30 million in claims paid out in 2019

Paying 80% of settled claims within 24 hours in 2019

Example claim

Having marketing insurance through Simply Business has saved consultancies thousands of pounds when the unexpected happened.

Jess saved more than £970

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.

Insurance payout

£974

Covering the cost of accidental damage


Jess’s costs

£100

The excess amount stated in Jess’s policy terms

Chosen by 800,000 small businesses

We started out as a team of five back in 2005. We’ve grown since then with 600,000 customers across 1,500 trades now trusting us to provide their business insurance.

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Marketing insurance FAQs

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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