Marketing agency insurance

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Marketing agency insurance UK
Marketing agency insurance UK
Marketing agency insurance UK
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What is marketing agency insurance?

Marketing agency insurance isn’t a single product. It consists of several products that combine to meet the specific insurance needs of your marketing agency.

All marketing agencies benefit from having professional indemnity insurance. Covering commercial legal expenses is also essential, so we include it as a standard. Public liability may be required if you regularly meet clients face-to-face. Electronic business equipment insurance should be considered if you rely on computer gear for your work.

How much does marketing agency insurance cost?

Marketing agency insurance starts at £7.67 per month, and the cost increases based on required insurance limits, other products you add, and business size.

Self employed professional indemnity insurance
Professional indemnity

from £7.67 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £8.89 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £9.54 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £20.41 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £22.78 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Included
Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£7.00 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

Chezza
on Trustpilot
14 February
Great!

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

Mokolada
on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
In detail

Why do marketing agencies need insurance?

Marketing agencies manage and recommend marketing approaches to their clients to get their products and services in front of customers. Sometimes, however, the best-laid marketing plans don’t go according to plan.

Claims that your work did harm

Occasionally, marketing campaigns can have the opposite effect or fall flat. Your advice can damage brands in those situations, and you're likely to receive demands of financial compensation from the clients you once advised.

Accusation of causing a financial loss

An unhappy client might allege your advice, actions, or recommendations led to significant financial loss that they now want to recover from you.

Breach of confidentiality

If your client shares commercially sensitive information with you and you accidentally misplace it or share it with an unauthorised third party, your client may demand a financial remedy.

Unforeseen accidents leading to an injury

Clients coming to your office or meeting with third parties face-to-face can sometimes lead to accidents to people or property that you can be held accountable for.

Professional indemnity insurance for marketing consultants

Professional indemnity insurance is a critical cover that protects marketing agencies from accusations of professional mistakes, negligence, copyright infringement and other claims against you or your business.

Given the potential exposures marketing agents can face, professional indemnity insurance can be very affordable compared to the possible costs if you need to defend yourself. 

What does marketing consultant professional indemnity insurance cover?

Professional indemnity insurance protects marketing agencies from claims or accusations of wrongdoing from their professional advice or work product.

Cover includes:

  • Failing your duty of care
  • Making a mistake
  • Acting negligently
  • Giving the wrong advice or recommendation

For example you may be facing financial demands from a client because:

  • You designed an ad campaign that caused offensive and public brand damage.
  • Your management of client ad spending went wrong, wasting large amounts of your client’s money.
  • Your inability to finish your work on time resulted in a client missing a critical advertising window, and their stock went to waste. 

What professional indemnity limit do marketing consultants and agencies need?

The professional indemnity limit you need will reflect your particular business activities. When choosing a limit, consider several factors, including the value of your client contracts, your contractual requirements, and possible financial impacts if your campaigns go wrong.

Does professional indemnity insurance cover my marketing activities worldwide?

Your professional indemnity policy's ‘territory or geographical limits’ and ‘jurisdiction’ sections specify if your marketing agency insurance will respond when working in different countries.

Territory or geographical limits:

The territory or geographical limit specifies where you can virtually or physically deliver your services. For example: “Worldwide.”

Jurisdictional limit:

The jurisdictional limit specifies which legal jurisdictions your policy will defend you if you are sued. For example: “Worldwide excluding US and Canada.”

Contract governance:

Any contracts or agreements you enter into with your clients should specify the ‘governing law’ for that contract, which is the jurisdiction in which parties can seek legal remedy for breach of contract.

Avoid entering contracts not governed by your local jurisdiction and/or excluded by your marketing agency professional indemnity insurance.

If you work with US and Canadian clients, you can reduce your risk by not entering contracts governed by US and Canadian laws.

Switching your professional indemnity insurance

Typically, in the UK, if you cancel a professional indemnity policy, you can no longer claim against it.

Therefore, if you switch your marketing agency insurance provider, be sure your new policy covers your past work; this is called “retroactive cover”.

Should I keep professional indemnity insurance if I close my marketing agency?

It’s wise to keep your professional indemnity if you’re taking a break or retiring from marketing. Claims against professional misconduct can surface months or years after you delivered the work.

Remember: If you cancel your policy, your insurance coverage will end, including coverage for any previous work.

How long you keep your cover in place is up to you. Consider the type of marketing you did and the likelihood that a client might bring a claim against you. 

Public liability insurance for marketing agencies

Public liability insurance shields marketing agencies from claims of injuries or property damage.

If you have any kind of face-to-face contact with your clients and the public during your business, then there is a risk of third-party injury or property damage. Something as small as spilling your flat white over a client’s laptop can set you back a few thousand pounds.

Public liability is an inexpensive protection against unfortunate incidents such as slips, falls, or you causing damage to a third party’s computer equipment. 

What does marketing agency public liability insurance cover?

Public liability insurance is valuable when faced with injury claims and compensation demands.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example:

  • A client visits your premises and is injured in a slip or fall
  • You visit a client site and damage equipment by knocking over a coffee
  • During a marketing campaign that you manage, a member of the public gets injured

Other insurance marketing agencies buy

As a marketing agent, you may need extra insurance, based on your individual situation. Consider your ability to handle legal disputes, reliance on expensive equipment, ability to manage expenses if you become ill, and whether you have employees. This can help determine if additional coverage is necessary.

Commercial legal expenses insurance

Most commercial legal expenses insurance will protect marketing agencies against various tax and legal issues you may encounter due to your profession, which are not covered by professional indemnity or public liability.

At Suited, we combined £100,000 of commercial legal expenses insurance with helplines and other tools to better assist marketing agencies in dealing with these issues. We call this Business Legal Protect, and it’s part of your subscription.

Business Legal Protect offers qualified advice and assistance with:

  • Legal and accountancy matters concerning your business
  • Criminal prosecution
  • Compliance & regulation issues
  • Help with unpaid invoices (over £200)

For example:

  • HMRC investigations into your tax affairs
  • You need legal help chasing a client who has not paid a significant invoice.
  • You wish to take a business partner or client to court over a breach of contract.
  • You required guidance on compliance or regulatory issues for your business.

Electronic business equipment insurance

Marketing agencies rely on electronic equipment to deliver their services more than ever. If your business depends on electronic equipment, consider electronic business equipment insurance.

Employers’ liability insurance

If you have anyone working in your marketing agency either full-time, part-time, contractors or volunteers, employer’s liability insurance is required by law.

Marketing agencies we insure

Suited offers insurance coverage for a wide range of marketing agencies, including:

  • Advertising agencies
  • Creative agencies
  • Digital media buying agencies
  • Market research agencies
  • Marketing agencies
  • PR agencies
  • Promotional agencies
  • Sales promotion agencies
  • Social media agencies
  • Telemarketing agencies
  • and more..

Shopping for marketing agency liability insurance

Whether or not you decide to use Suited marketing agency insurance to protect your business, it’s worth keeping the following in mind:

Cheap marketing agency insurance

At Suited, we understand that choosing a marketing agency insurance provider involves more than just cost. We offer multiple communication channels for seamless contact with our team and pride ourselves on our prompt response time to ensure customer satisfaction.

The reputation of the insurer is important

Insurance needs to be there when you need it most. The payout reputation of an insurer is essential. Suited uses financially sound insurers with an A+ rating.

Many providers charge fees to amend or cancel

Low initial prices often hide additional charges to pay monthly, amend or cancel your policy. At Suited, we charge no extra fees, and you can cancel anytime with no more to pay.

Some policy wordings are restrictive or have a high excess

Some providers will offer attractive prices, but it is at the expense of cover given. Suited professional indemnity and public liability have £0 excess.

In this section
Suited awards.
FAQs

Common questions

Does Suited professional indemnity insurance for marketing consultants cover the work of my subcontractors?

Yes but do not waive your rights to recover against their insurance. Also you should make sure your subcontractors are suitably insured for the work they do for you.

Can I pause my Suited insurance if I have no work at the moment?

Yes, Suited offers a ‘hibernate’ option which means saving money while staying insured for your past work under professional indemnity.

Is insurance for marketing agencies compulsory?

Business insurance for marketing companies isn’t required by law but employers’ liability insurance is if your business has employees.

Do I need qualifications to get marketing agency insurance?

There is a wide range of options in the UK. Suited insurance is only available to those have relevant qualifications or prior experience.

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
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Marketing consultant professional indemnity insurance
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More flexible

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No extra fees

We give you one price, no APR or hidden extras.

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Go retroactive

Include retroactive cover to insure previous work.

Holiday umbrella.
Holiday mode

Pay less when not working by hibernating your PI cover.

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Get help when you need it from our Bristol based team.

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Call us with any questions or queries. Our Bristol based team is available from Monday to Friday and answers straightaway.

Monday—Friday, 8:30am to 5:30pm

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If your plans change

No problem, Suited uses a simple subscription model making it easy to walk away.

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14 day promise *

If you call to cancel within the first 2 weeks we’ll give you a full refund.

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Easy to cancel

No longer need us? Cancel anytime, no more to pay.

* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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