Marketing Consultant Insurance
(Freelance & Contract Marketers – UK)

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Specialist insurance for marketing consultants, digital marketers and freelance campaign specialists working as contractors, often outside IR35 – including Professional Indemnity, Public Liability, cyber and business cover to satisfy end-client and agency contracts.

This page provides general guidance only and does not override your policy wording or any specific insurance terms required by agencies or end-clients.

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Contractor insurance placed with established UK insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

MARKETING CONSULTANT & FREELANCE DIGITAL MARKETER INSURANCE

Win Contracts. Meet Requirements. Protect Your Reputation.

Many brands, agencies and end-clients will only work with marketing consultants who hold the right insurance – typically Professional Indemnity and Public Liability as a minimum, often with specified limits and evidence of cover.

Insure24 arranges cover specifically for freelance and contract marketers – whether you advise on brand strategy, run paid media, manage digital campaigns or provide marketing consultancy on an outside IR35 basis through your own limited company.

What Insurance Does a Marketing Consultant Need?

Core covers to protect your business, contracts and personal reputation.

Professional Indemnity (PI)

  • Covers claims that your advice, strategy, campaign or content caused a client financial loss.
  • Allegations of poor advice, misjudged targeting, incorrect analytics or underperformance.
  • Errors in campaign setup (e.g. overspend, incorrect geo-targeting, wrong links).
  • IP and copyright allegations relating to images, copy or creative you supply.
  • Defence costs, legal fees and settlements for covered claims.
  • Meets typical agency / end-client PI requirements for contractors.

Public Liability, Cyber & Business Protection

  • Public Liability – injury or property damage to third parties when visiting clients or hosting meetings.
  • Cyber & Data – cover for data breaches, hacked accounts or lost devices holding client data.
  • Employers’ Liability – required by law if you employ anyone, even part-time assistants.
  • Portable equipment insurance – laptops, mobiles and other kit you rely on.
  • Optional legal expenses cover for certain contract and tax disputes.
  • Ability to align limits with agency / umbrella / end-client contract wording.
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Who Is Marketing Consultant Insurance For?

Cover designed around freelance, contract and limited-company marketers.

Types of Work Covered

  • Marketing strategy and brand consultancy.
  • Digital marketing and performance marketing.
  • PPC, paid social and display campaign management.
  • SEO consultancy and content planning.
  • Email and CRM campaign strategy.
  • Interim or fractional marketing director roles.

Contractor Set-ups & Engagement Models

  • Limited company contractors working outside IR35.
  • Freelancers working via agencies or directly with brands.
  • Consultants on day-rate or project-based contracts.
  • Marketing specialists working via umbrellas (where they still require PI).
  • Hybrid roles mixing consulting, hands-on execution and training.
  • Contractors working on-site at client offices or remotely.
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Key Risks for Marketing Consultants & Digital Contractors

Where things can go wrong – and how insurance can respond.

Client & Campaign Risks

  • Client alleges a campaign under-performed due to your advice or execution.
  • Budget overspend caused by a mistake in platform setup.
  • Incorrect advert copy or targeting harming a client’s brand.
  • Use of unlicensed imagery or content leading to IP claims.
  • Alleged breach of advertising standards or platform policies.
  • Disputes over analytics, reporting or interpretation of results.

Operational & Data Risks

  • Loss or theft of laptop containing client data or campaign assets.
  • Email account or ad platform hacked and misused.
  • Injury to a third party during client meetings or events.
  • Allegations around confidentiality breaches or misuse of data.
  • Contractual requirements not being met or documented.
  • Agency / end-client requiring proof of cover before issuing a contract.
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PROTECT YOUR MARKETING CONSULTANCY
& MEET AGENCY & CLIENT REQUIREMENTS

Why Marketing Consultants Work with Insure24

  • Understanding of contractor and outside IR35 insurance expectations.
  • Ability to match PI and PL limits to agency and end-client contract wordings.
  • Practical, plain-English explanations for what your policy does and doesn’t cover.
  • Support when contracts change or you move into higher-value retainers.
  • Options to combine PI, PL, cyber and equipment into one package.
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FREQUENTLY ASKED QUESTIONS

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Do I really need Professional Indemnity as a marketing consultant?

Yes – most agencies and corporate clients expect PI, and it protects you if they allege your advice, strategy or implementation caused them a financial loss.

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What PI limit do I need?

Typical limits range from £250,000 to £2m or more. Often the contract will specify a minimum – we’ll help you choose an appropriate level based on your clients and fees.

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Will this policy help with agency or end-client onboarding?

Yes – you’ll receive policy documents and a schedule that clearly shows your PI, PL and any other covers, which you can share during onboarding or tender processes.

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Does this insurance prove I’m outside IR35?

No – IR35 status is determined separately, but having your own PI and PL is one of several indicators that you are in business on your own account.

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Am I covered if I work for more than one client at a time?

Yes – your PI covers your professional activities across multiple clients, provided they fall within your declared business description.

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Does the policy cover work done overseas or for overseas clients?

It can do, depending on territorial and jurisdiction limits. Tell us where your clients are so we can structure cover appropriately.

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Do I need Employers’ Liability as a solo consultant?

If you have no employees, typically not – but if you take on staff (even part-time or short-term) you may need it. We’ll confirm based on your set-up.

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How quickly can cover be arranged?

In many cases, cover can be put in place very quickly once we have the key details about your work, fees and clients.