Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK PR 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.
PR work is published, public-facing and often produced under time pressure — a combination that creates a distinctive risk most other consultancy work doesn't carry.
A press release, statement or social post that makes a damaging claim about a third party can trigger a defamation claim. Under the Defamation Act 2013, the third party generally needs to show the statement caused, or is likely to cause, serious harm — for a company, this means serious financial loss — but defending even an unsuccessful claim is expensive.
Rapid-response and crisis communications work is judged on speed as much as accuracy, which is exactly where claims tend to originate — a fact not checked, a quote misattributed, a statement issued before full sign-off. Professional indemnity is there for the moments your usual process gets compressed.
Some PI policies include a sub-limit specifically for engaging a PR or crisis consultant to manage reputational fallout after a claim — recognising that the damage from a dispute often isn't just financial, and that containing it quickly matters.
Image, video and music rights issues are common in social and content-led PR work, not just in advertising. Confirm your policy's media liability extension covers IP infringement as well as defamation, since the two often sit side by side in a single dispute.
A strong policy covers the specific risks of your trade — from defamation 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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