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Marketing Consultant Business Insurance

Marketing Consulting
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TechInsurance helps you compare insurance quotes from top U.S. insurance companies with our easy online application to get the best marketing consulting insurance.

6 insurance policies every marketing consultant should consider

These insurance policies protect against the most common risks and liabilities in the marketing consulting industry.

Professional liability insurance

Professional liability insurance icon

Professional liability coverage handles lawsuits related to mistakes, poor advice, or other accusations of professional negligence. It's also referred to as errors and omissions insurance or E&O insurance.

  • Advice that causes financial loss
  • Breach of contract
  • Errors and oversights

General liability insurance

General liability insurance icon

A general liability insurance policy defends against third-party lawsuits, such as a client who slips on a wet floor at your marketing consulting firm and suffers an injury. It's often required for a commercial lease.

  • Client bodily injuries
  • Accidental damage to a client's property
  • Defamation and copyright infringement lawsuits

Business owner's policy

Business owner’s policy icon

A business owner's policy, or BOP, combines general liability coverage and commercial property insurance at a discount. Small business owners are often eligible for this bundle.

  • Slip-and-fall injuries
  • Client property damage
  • Business property damage

Workers' comp insurance

Workers’ compensation insurance icon

Workers' compensation insurance protects marketing agencies and sole proprietors from work-related medical bills health insurance won't cover. Most states require coverage for employees.

  • Medical expenses from workplace accidents
  • Disability benefits for injured workers
  • Legal costs from work injuries

Cyber insurance

Cyber liability insurance icon

Cyber insurance helps marketing consultants recover from costly cyberattacks and data breaches. It's also called cyber liability insurance or cybersecurity insurance.

  • Ransomware attacks
  • Client notification costs
  • Data breach investigations

Commercial auto insurance

Commercial auto insurance icon

Almost every state requires commercial auto insurance for vehicles owned by a marketing consulting business. It covers costs in the event of an accident involving your business vehicle.

  • Auto accident legal fees
  • Vandalism or other vehicle damage
  • Vehicle theft

Marketing consultant insurance cost

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From our customer data, here's a quick look at average marketing consulting insurance costs:

General liability: $29 per month
Business owner's policy: $41 per month
Workers' compensation: $41 per month

Factors that can influence your premiums include:

  • Your professional services offered
  • Number of employees
  • Value of your business property
  • Types of insurance products purchased
  • Coverage limits and deductibles
  • Claims history
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Common questions about marketing consultant insurance

Review answers to frequently asked questions (FAQs) about business consultant insurance coverage and more.

Do self-employed marketing consultants need insurance?

While self-employed consultants might not be required by law to carry insurance, having coverage can help you fulfill contract terms and protect your business from financial risks and liabilities.

Some states might require you to carry professional liability insurance (sometimes called errors and omissions coverage or E&O) in order to start up a consulting practice or work within certain facilities.

Additionally, you should keep in mind your personal auto insurance policy likely won’t cover work-related accidents, such as a car collision involving a business-owned vehicle or an on-site work injury.

For the protection of your business-owned vehicles, you'll need commercial auto insurance. 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 insurance (HNOA).

Similarly, personal health insurance policies won't cover work-related injuries and illnesses. That means you would 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.

Do I need a consulting certification or license for my marketing consulting business?

Most states require consulting businesses of any kind, including marketing consultants, to have a license to legally operate.

Depending on your state, you may have to apply for your business license through your city or county government, while other states may direct you to a state-level office. In some cases, you might have to obtain a special permit or industry-specific certification, depending on your state, consulting services, and the clients you work with.

Business licensure offers many benefits, including:

  • Tax compliance
  • Credibility
  • Financial benefits and credit

Additionally, continuing your marketing consultant education is a great way to showcase your expertise to prospective clients, and help set you apart from the competition.

For your marketing consultancy practice, you can acquire certifications in several areas within the marketing field. Examples include content marketing, marketing management, digital marketing, and even sales management. These are good options for marketing consultants who are just starting their consulting practice and wish to add to their credentials.

What other types of insurance coverage do marketing consultants need?

There are several additional policies you should consider as part of your risk management plan against common risks and potential financial losses:

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