Marketing consultant insurance

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Marketing consultant insurance UK
Marketing consultant insurance UK
Marketing consultant insurance UK
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What is insurance for marketing consultants?

Insurance for marketing consultants starts with professional indemnity cover which is essential to protect you from accusations of negligence or making a professional error. However, it doesn’t necessarily stop there. Your marketing consultancy insurance may need to consist of several products to meet your specific insurance needs.

Public liability may be useful if you regularly meet clients face-to-face. Electronic business equipment insurance should be considered if you carry about pricey laptop that you need to do your work.

How much does marketing consultant insurance cost?

Marketing consultant 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 consultants need insurance?

Marketing consultants advise their clients on how to get their products, services, and brands in front of the right audience. Sometimes, however, the recommended approach may deliver a problem rather than a solution.

Claims that your work caused reputational harm

At times, marketing campaigns may backfire or fail to make an impact. Your counsel could tarnish brands in such instances, leading to potential requests for financial compensation from the clients you previously advised.

Accusation of causing a financial loss

A dissatisfied client might claim that your advice, actions, or recommendations resulted in substantial financial losses, which they seek to recover from you.

Breach of confidentiality

If your client entrusts you with commercially sensitive information and you inadvertently misplace it or disclose it to an unauthorised third party, your client may seek financial compensation.

Incurred industry fines following your advice

As a marketing consultant, you are expected to know the ins and outs of your client’s industry. If your client’s campaign leads to an investigation or even a fine, they may blame you for incorrect advice.

Professional indemnity insurance for marketing consultants

Professional indemnity insurance is a critical cover that protects marketing consultants from accusations of professional mistakes, negligence, copyright infringement and more.

Given the potential exposures marketing consultants 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:

  • The marketing strategy has led to brand damage and you are being asked to pay compensation.
  • Your advice led to problems for your client who is now facing an investigation from a regulator or industry body. 
  • The cost of the campaign you designed far exceeded its benefits and your client is demanding compensation for negligence.

Switching your professional indemnity insurance

Occasionally, you might contemplate opting for a more favourable insurance arrangement. If you opt to transition to a new insurer, remember that you forfeit the ability to claim under the previous policy. Ensure that the new insurers protect your previous work under what is known as "retroactive cover."

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

Maintaining your professional indemnity insurance is prudent even if you decide to close your marketing consultancy. Claims related to professional misconduct can emerge months or even years after you've completed the work. If a former client files a lawsuit against you for damages and you've terminated your professional indemnity cover, you won't have any protection.

You decide the duration of your coverage. Consider the nature of your past work and the possibility of clients lodging claims against you.

With Suited, you can adjust your policy if you're no longer actively working as a marketing consultant. You can opt to put your policy into hibernation, which allows you to remain insured for previous projects at a reduced premium. There's no limit to how long you can keep your policy in hibernation.

Public liability insurance for marketing consultants

If your activities involve meeting clients in person, either at their location or your office, having public liability insurance could be advantageous. Public liability cover protects you from compensation claims of causing an injury or property damage.

What does 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 

  • You have picked a location to meet with your client who was injured in a slip-and-fall. They blame you for choosing an unsafe place.
  • During your visit to a client site, damage occurs to expensive equipment and you are blamed.

Other insurance marketing consultants might need

Other insurance marketing consultants might need will depend on your circumstances: 

  • Could you afford a breach of contract dispute?
  • Do you rely on expensive computer equipment to do your work? 
  • Do you store sensitive information?

Commercial legal expenses

Commercial legal expenses insurance protects you and your business against commercial disputes, claims, criminal prosecutions, etc. It picks up various risks not covered by professional indemnity or public liability.

Suited Legal Protect provides up to £100,000 in legal costs and professional fees to help tackle a variety of issues a contractor may experience.

Cover includes

  • Legal and tax 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.

Suited Legal Protect provides up to £100,000 in legal costs and professional fees to help tackle a variety of issues a contractor may experience.

Electronic business equipment insurance

Marketing consultants often use electronic equipment to deliver their work. If you depend on electronic equipment, consider electronic business equipment insurance.

Shopping for marketing consultant liability insurance

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

Price isn’t everything

Some providers offer rock-bottom prices, but after-sales service could be lacklustre. Check how easy it is to contact your insurance provider. At Suited, we offer several options and answer quickly.

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
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FAQs

Common questions

What professional indemnity limit do marketing consultants need?

The level of professional indemnity cover required will be tailored to your specific business operations. When deciding on a limit, take into account various factors, such as the worth of your client contracts, your contractual obligations, and the potential financial ramifications of campaign setbacks.

Does professional indemnity insurance for marketing consultants cover breach of contract?

Suited professional indemnity insurance does not cover breach of contract. However, Suited offers commercial legal expenses, which could help during a legal accusation of breach of contract.

Is the work of my subcontractors covered?

If you use other marketing professionals to deliver aspects of your work, their work is covered as long as you have a contract with them. You should always insist that these contractors also have professional indemnity insurance.

Does professional indemnity insurance for marketing consultants cover unpaid invoices?

Professional indemnity insurance does not cover unpaid invoices. However, Suited offers commercial legal expenses, providing legal assistance with recovering undisputed and disputed unpaid invoices.

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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Go retroactive

Include retroactive cover to insure previous work.

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Holiday mode

Pay less when not working by hibernating your PI cover.

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

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* 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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