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Why do marketing consultants need business insurance?
You excel at creative marketing strategies for your clients, but an accident or mistake could jeopardize everything. The right business insurance will help cover legal costs if a marketing plan causes a financial loss, or infringes upon a copyright.
Find the right coverage
Insureon helps marketing consultants find insurance that matches your unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your consulting firm.
What types of insurance do marketing consultants need?
These insurance policies cover common risks in marketing consulting.
Professional liability insurance
This policy helps cover legal expenses if a marketing professional is sued for a mistake or an unsuccessful marketing campaign. It’s also called errors and omissions insurance or E&O insurance.
BEST FOR
- Failure to deliver promised results
- Marketing mistakes or oversights
- Claims of negligence
General liability insurance
A general liability policy covers basic third-party risks, such as accidental copyright infringement or advertising injuries . It’s often required for a commercial lease.
BEST FOR
- Slip-and-fall accidents
- Damage to client property
- Defamation lawsuits
Business owner’s policy
A business owner’s policy, or BOP, combines general liability coverage with commercial property insurance, typically at a lower rate than if the policies were purchased separately.
BEST FOR
- Customer bodily injuries
- Business property damage and theft
- Business interruption incidents
Workers’ compensation insurance
Most states require workers’ comp for marketing consulting firms that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Cyber insurance
Cyber liability insurance helps marketing consultants recover from data breaches and cyberattacks. It’s strongly recommended for small businesses that handle sensitive data.
BEST FOR
- Notification of affected clients
- Fraud monitoring costs
- Public relations following a breach
Commercial auto insurance
Commercial auto insurance covers costs if a marketing consultant's vehicle is involved in an accident. Most states require this coverage for vehicles owned by a business.
BEST FOR
- Property damage caused by your vehicle
- Auto accident injuries
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does marketing consultant insurance cost?
A small business with a few consultants will pay less for insurance than a larger company.
Factors that affect premiums include:
- Consulting services offered
- Business property and equipment
- Business income
- Types of insurance purchased
- Coverage limits and deductibles
- Claims history
How do I get marketing consultant business insurance?
It's easy to get marketing consultant business insurance and fidelity bonds if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your marketing consultancy, whether you work independently or hire employees.
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Common questions about marketing consulting insurance
Take a look at answers to frequently asked questions (FAQs) about insurance for marketing consultants and more.
Do I need business insurance if I'm self-employed?
Typically, self-employed consultants aren't required to carry insurance. However having coverage can help you fulfill contract terms and protect your business from substantial financial risks and liabilities.
Some states might require you to carry professional liability insurance (also called errors and omissions coverage or E&O) in order to start up a consulting practice or work within certain facilities.
You should also keep in mind your personal auto policy generally doesn’t cover work-related accidents, such as a car collision involving a business-owned vehicle.
In fact, most states require you carry commercial auto insurance if your marketing consultant practice owns vehicles. This policy covers legal fees, medical expenses, and other related costs if your company-owned vehicle is involved in an accident. For personal, leased, and rented vehicles used for work purposes, look to hired and non-owned auto (HNOA) insurance.
Additionally, personal health insurance policies won't cover work-related injuries and illnesses. That means you'd have to pay hefty medical bills out of pocket if you suffer an injury on the job or develop an occupational illness.
Carrying a workers’ compensation plan, even if you're a sole proprietor or limited liability company (LLC) with no employees, can financially protect you if you’re unable to work due to an on-the-job injury or illness, as well as cover your medical bills.
Am I required to get a consulting certification or license for my marketing consulting company?
Consulting businesses of any kind, including marketing consultants, education consultants, and management consultants, are required to have a license to legally operate.
Depending on where your business is located, you may have to apply for your business license through your city, county, or state government. You may also have to obtain a special permit or industry-specific certification, depending on several factors like your state, consulting services you provide, and the clients you work with.
There are many benefits to maintaining a business license, including:
- Tax compliance
- Credibility
- Financial benefits and credit
What's more, continuing your marketing consultant education is a great way to highlight your professional services and stand out from the competition.
For your marketing consultancy practice, you can acquire certifications in several areas within the marketing field, such as content marketing, marketing management, digital marketing, and even sales management.
What other insurance policies should marketing consultants carry?
When building a comprehensive risk management plan, there are several types of consultant insurance small business owners should consider to protect against common risks and potential financial losses:
- Hired and non-owned auto (HNOA) insurance offers liability protection for sole proprietors or employees who drive their own vehicle for work, or a leased or rented vehicle.
- Business interruption insurance, sometimes called business income coverage, helps cover financial losses if your business is forced to close temporarily due to a fire or extreme weather. It can often be added to a business owner's policy (BOP).
- Commercial umbrella insurance covers legal expenses when the limit is reached on another liability policy, such as general liability, employer's liability insurance, or commercial auto insurance. Sole proprietors may need this coverage to meet client requirements for higher liability limits.
- Fidelity bonds help cover the cost of reimbursing your customer should an employee commit fraud or theft under your business name. However, your business would have to repay the insurance company for the cost of the claim.