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Protecting marketing professionals with public liability insurance from less than £55* per year
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Get a QuoteOur standard cover is:
Marketing consultant insurance covers a profession judged on results it doesn’t fully control. Your advice steers a client’s budget into campaigns, channels and positioning, and when the numbers disappoint, the post-mortem starts with the person who recommended the plan. The gap between “the strategy was wrong” and “the market moved” is exactly where marketing’s claims live, and exactly what this insurance policy is for.
Professional Saver arranges business insurance for marketing consultants, freelancers and small marketing consultancies from £55* a year, with public liability as standard and professional indemnity scaled to the budgets your advice moves. Get a quote online in five minutes; documents arrive the same day.
Professional indemnity insurance is the core of marketing consultant insurance, because the work is advice and advice is what gets sued. If a client alleges your professional negligence caused them financial loss, a campaign that underperformed its projections, a marketing plan that misread the audience, digital marketing spend that a client says was misallocated, professional indemnity insurance pays the compensation and the legal costs of the defence. The defence is the point: marketing outcomes have many parents, and separating your advice from the client’s execution, budget cuts and market conditions is expensive to argue without cover.
The same cover carries marketing’s quieter exposures: defamation claims from comparative campaigns or social content produced under your direction, intellectual property disputes over campaign assets, and breach of confidentiality when competitor-sensitive strategy leaks. None of these require malice, only a campaign that touched the wrong nerve.
Public liability insurance covers the physical side of consulting: client workshops, pitches, events and site visits. If a member of the public or a client suffers personal injury or property damage around your work, a trip over your bag at a presentation, a knocked-over screen, public liability insurance covers the compensation and legal fees, with £1 million as standard and options up to £10 million.
Business equipment insurance covers the laptop and kit the consultancy runs on (£100 excess), and employers’ liability insurance applies once you employ anyone; you are legally required to have employers’ liability cover in most cases, and the fines for missing it accrue daily. One honest note on cyber: we don’t sell standalone cyber insurance, and a consultancy holding client data, ad accounts and analytics access should name that exposure at quote stage so the cover is shaped with eyes open.
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Because ROI is your promise and someone else’s variable. Clients buy projections; markets deliver whatever they deliver. When the two diverge, the consultant’s advice is the easiest line item to blame, and PI cover is what funds the difference between an accusation and a settlement.
Because content creates liability at publishing speed. A comparative claim, an unlicensed image, an influencer post that crosses a line: campaigns ship fast and legal review rarely keeps pace. The claims that follow name whoever advised the strategy.
Because client contracts ask before clients do. Agency rosters, framework agreements and procurement teams increasingly require proof of professional indemnity and liability insurance in place before a consultant is engaged. The certificate is a business development asset as much as a safety net.
Every policy includes public liability, products liability, legal expenses and £10,000 of financial loss cover as standard, from £55* a year. You then shape the types of insurance to the consultancy:
Worldwide liability cover for temporary work abroad is included for up to 14 days, excluding the USA and Canada.
From £55* a year for the base policy. The insurance cost follows the risk your advice carries: the size of budgets you influence, the level of professional indemnity your clients require, whether you employ anyone, and your claims history. A freelance consultant advising small businesses sits at the affordable end; a consultancy steering six-figure media spend needs limits to match. Get a quote online, itemised in about five minutes, with monthly instalments available.
Marketing consultancy is the business of confident recommendations about uncertain outcomes. Get a marketing consultant insurance quote online from £55* a year, backed by an insurer rated AA- (Stable) by Standard & Poor’s, and protect your business from the post-mortems that follow someone else’s numbers.
* Total number of live policies as of 31/10/2025
From only£55per year From only£55per year From only£55per year From only£55per year From only£55per year From only£55per year Yes, and the address is the least relevant part of the question. The claims that matter follow the advice, not the office: a home-based consultant steering a client’s rebrand carries the same PI exposure as one in a serviced office. Working from home mostly just makes the premium smaller.
Public liability and professional indemnity insurance split the job between them: PI answers for the advice (campaigns, strategy, content decisions that allegedly caused financial loss), public liability answers for your physical presence (injury or damage at meetings and events). A consultant who never leaves the desk still needs PI; most working consultants need both.
The advice and content side sits under professional indemnity, defamation and IP claims included, whether the channel is a billboard or a feed. What digital adds is data: ad accounts, analytics and customer lists. Describe that access at quote stage, because it’s the exposure that varies most between marketing businesses.
The covers are the same; the scale isn’t. Employers’ liability arrives with the first hire, PI limits track client contracts, and campaign volume raises content risk. Describe the agency honestly when you quote, and see our advertising agency insurance page if creative production is the heart of the business, or public relations consultant insurance if PR is what you sell. Marketing is one strand of a much wider family, and our insurance for consultants page covers the rest of it.
Notify us as soon as a claim, or the whiff of one, appears; legal expenses cover means specialist advice from the first letter rather than the courtroom door. PI then funds the defence and any settlement. What you should never do is negotiate or make a claim admission yourself first, because that’s the step that voids the help.
