Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK marketing consultants — quotes are provided directly by FCA-authorised insurers, not by us.
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Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
Marketing work carries a risk profile standard professional indemnity doesn't fully capture: using other people's content, and increasingly, navigating advertising disclosure rules that now carry real financial penalties.
Using a stock image, font, piece of music or competitor reference without the correct licence is one of the most common claims marketing consultants face — sometimes from a rights holder who isn't even involved in the campaign. Media liability cover, a specific extension to standard professional indemnity, is built for exactly this.
A press release or ad that makes a claim about a competitor's product can trigger a defamation claim if it causes serious harm to their reputation — for a company, this generally means serious financial loss, under the Defamation Act 2013. Even an unsuccessful claim can be expensive to defend.
The ASA and CMA require incentivised content — paid posts, gifted products, affiliate links — to be clearly labelled as advertising. Since April 2025, the CMA can fine brands directly up to 10% of global turnover under the Digital Markets, Competition and Consumers Act for serious breaches, and agencies that briefed or approved the content can be drawn into the resulting dispute.
Regulators have made clear that brand, agency and creator can all be named in a ruling over the same piece of non-compliant content. Check your policy responds to regulatory investigations as well as client claims, not just one or the other.
A strong policy covers the specific risks of your trade — from IP infringement claims to data breaches and client disputes.
Protects against claims of negligence, errors or bad advice from clients. Essential for any business that provides advice, designs or professional services. Covers legal costs and compensation.
Covers injury or property damage to clients or third parties at your office or client premises. Required by most co-working spaces and client contracts.
Legally required if you employ anyone. Covers employee injury or illness claims arising from their work. Minimum £5 million required by law.
Covers data breaches, cyber attacks and GDPR fines. Professional service firms handle sensitive client data — cyber insurance is increasingly essential.
Covers your office equipment, computers and business contents against theft, fire and accidental damage at your premises.
Covers legal costs for contract disputes, employment tribunals, HMRC investigations and debt recovery.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
🤝 We're finalising partnerships with FCA-authorised UK insurers so you can compare real quotes here soon. Check back shortly, or get in touch if you'd like to be notified when comparisons go live.
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