Digital Marketing Contractor Insurance

• Professional Indemnity – allegations that your strategy, advice or implementation caused financial loss.
• Media liability – issues relating to adverts, creatives, claims, social posts and campaign messaging.
• Errors & omissions – missed deadlines, mis-scheduled campaigns, incorrect budgets or targeting.
• Intellectual property – certain claims around copyright, trademarks or usage of third-party content.
• Defamation – allegations that content or campaigns damage someone’s reputation.
• Public Liability – injury or property damage to third parties (for example when visiting clients).

• An error in a PPC budget or bid strategy causes overspend with poor return.
• Incorrect tracking or GA4 setup means results can’t be properly attributed or proven.
• A client alleges that SEO work has harmed rankings or organic performance.
• A social media or display ad is claimed to infringe a competitor’s IP.
• Email campaigns are sent to the wrong list or without proper consent.
• Landing page copy is alleged to be misleading or non-compliant.
• A scheduling mistake means key seasonal or product launch campaigns are missed.
• You’re blamed when a client’s in-house web changes break tracking or lead flow.

• Understanding of performance marketing, SEO, paid social, CRO and funnel work.
• Access to insurers who recognise media, content and digital risk – not just generic business insurance.
• Policies designed for contractors working outside IR35 and via limited companies.
• Ability to align cover with agency contracts, platform terms and service agreements.
• Experience with both solo freelancers and small specialist digital agencies.

• 1. Discovery call – we discuss your services, niches and client types.
• 2. Information gathering – turnover, fee structures, contract values and territories.
• 3. Services review – SEO, PPC, paid social, CRO, email, automation, analytics or full service.
• 4. Contract review – SLAs, targets, indemnities and performance clauses in your agreements.

• Google Ads, Microsoft Ads, Shopping and Performance Max campaigns.
• Paid social on platforms such as Meta, LinkedIn, TikTok and others.
• Programmatic buying and retargeting campaigns.
• Budget management and bid strategies for high-spend advertisers.
• Campaign audits and account restructures for underperforming accounts.

• Landing page design and CRO testing programmes.
• Sales funnel design and marketing automation journeys.
• Email marketing campaigns, segmentation and list management.
• Lead nurturing, scoring and CRM integration advice.
• Support for product launches, webinars and lead magnets.

Complex digital ecosystems mean small changes can have big effects.

• Platform changes affect delivery or tracking after your recommendations.
• Clients adjust landing pages or pricing without telling you, yet blame campaigns.
• Tagging, pixels or events are altered by third parties and stop tracking correctly.
• Launch timelines shift, but you’re still blamed if campaigns aren’t aligned.
• Complex analytics setups create confusion about “what really happened”.

• Claims for wasted ad spend and missed revenue.
• Refunds of fees plus alleged consequential losses.
• Legal fees for defending negligence or breach of contract claims.
• Settlements where content or targeting is alleged to have caused damage.
• Costs related to regulatory or compliance investigations.

• Balance between strategy, execution, creative and technical work.
• Client types – small local businesses, e-commerce, B2B, regulated sectors, enterprise.
• Typical monthly ad budgets and campaign sizes.
• Whether you work direct with brands, via agencies or both.
• Any overseas activity or campaigns targeting other countries.

Situation: A PPC contractor restructured a campaign and increased bids. Spend rose quickly, but the client disputed the quality of leads.

Issue: The client alleged the contractor had mismanaged budgets and demanded repayment plus damages.

Outcome: Professional Indemnity responded (subject to policy terms), funding legal support and contributing to a commercial settlement. Clearer written sign-off processes were introduced for budget changes.

Situation: An analytics consultant implemented GA4 tracking. Months later a redeveloped site went live, implemented by a different agency, and tracking broke.

Issue: The client initially blamed the consultant and threatened action due to “lost data”.

Outcome: PI cover allowed a calm, evidence-based defence, with documentation showing the implementation had been correct prior to redevelopment. New change-control language was added to engagement terms.

• Use written proposals, scopes and contracts for each engagement.
• Be clear about what you can and cannot control (e.g. site performance, pricing, stock).
• Avoid promising specific revenue or ROAS unless you are comfortable with that risk.
• Document approvals for budgets, audiences, creatives and key changes.
• Record when clients reject or override your recommendations.

Ideal for: Self-employed marketers, consultants and contractors working via limited company or sole trader.

• Core Professional Indemnity tailored to your services and clients.
• Media and Cyber extensions where appropriate.
• Public Liability and, where required, Employers’ Liability.
• Equipment cover for laptops and devices used on client work.
• Policies that can grow as you take on larger clients or projects.

Ideal for: Contractors on performance-based, revenue-share or risk/reward models.

• Careful review of performance guarantees and clawback clauses.
• PI structures that recognise higher potential dispute values.
• Contract wording support to keep risk within insurable levels.
• Clarity on what is insured vs commercial performance risk you retain.
• Guidance on when contract terms might be too onerous for any insurer.

• The marketing strategies and campaign execution you deliver.
• Your limited company, sole tradership or small agency structure.
• Your contractual relationships with agencies and end clients.
• Your financial position if a major claim or dispute arises.
• Your long-term reputation as a trusted digital marketing professional.

• Agency contracts that require specific PI, PL and Cyber limits.
• Brand agreements with strict rules on claims, content and approvals.
• Frameworks and preferred supplier lists needing proof of cover.
• Scopes that include performance incentives and penalties.
• Negotiation of insurance-related wording to keep it practical and insurable.