Insurance for Marketing and Advertising Consultants
Professional Indemnity cover up to $10 million
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What does marketing consulting insurance cover?
Marketing consultants’ insurance helps advertising and marketing professionals cover the cost of common risks, such as:
- Mistakes or omissions in your work
- Missed deadlines or failing to deliver services
- Accidental damage to client property
- Claims related to wrongful acts in the management of your agency
- Cyberattacks and data breaches
BizCover offers easy, fast, and flexible insurance options made for marketing and advertising consultants. Our Professional Indemnity policies offer vicarious liability, run-off and retroactive cover, and automatic reinstatement.
Why do marketing and social media consultants need insurance?
Marketing consultants may need business insurance to meet legal and contractual obligations, and cover unexpected claims.
Marketing, advertising, and social media agencies do more than deliver creative work. They may also handle customer data, buy media placement, and offer strategic advice. This mix of roles and activities creates risk that can open your agency up to expensive claims, legal action, and lawsuits.
| Industry-specific risks | General risks |
|---|---|
| A client alleges an ad you created was misleading and caused them reputational damage. | A client trips and injures themselves while attending a meeting in your office. |
| A copyright infringement claim is made against you. | A former employee makes an unfair dismissal claim against your agency. |
| You miss the launch date for a time-sensitive campaign. | A cyberattack exposes client information, including payment details. |
Who needs marketing business insurance?
Marketing business insurance may benefit a wide range of marketing and advertising professionals and agencies. We cover many industry businesses, including:
Marketing Consultants
Social Media Consultants
Public Relations Services
Advertising Agencies
Market Research Consultants
Billboard Advertising
What types of insurance do marketing consultants need?
Marketing consultants may consider different types of cover to protect their businesses. We offer a range of policies designed to cover your business, advice, and digital data. Build an insurance package that suits your needs and buy in minutes.
Basic marketing insurance
Additional marketing insurance
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
How much does marketing and digital agency insurance cost?
Business insurance for marketing and digital agencies costs an average of $85 per month*.
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*BizCover’s Marketing Pricing Expectations Report is based on 1 July 2025 to 30 June 2026 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Flexible cover that grows with your business
Select cover that suits your business, from sole traders to growing agencies. Professional Indemnity up to $10 million, Public Liability up to $20 million, Management Liability up to $5 million, and Cyber Liability up to $2 million.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*BizCover’s Marketing Pricing Expectations Report is based on 1 July 2025 to 30 June 2026 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Flexible cover that grows with your business
Select cover that suits your business, from sole traders to growing agencies. Professional Indemnity up to $10 million, Public Liability up to $20 million, Management Liability up to $5 million, and Cyber Liability up to $2 million.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How It Works – Buying Online
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See How Much Other Marketing Consultants Have Saved By Purchasing a Policy Through BizCover
Tania
Marketing Consultant from
SA
Saved
$4,160
on
Professional Indemnity and Public Liability insurance
Kim
Marketing Consultant from
WA
Saved
$500
on
Professional Indemnity and Public Liability insurance
Nishant
Marketing Consultant from
VIC
Saved
$200
on
Business Insurance Pack
^Savings made from February to August 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Professional Indemnity insurance is generally not a legal requirement for marketing and ad agencies in Australia, but you may still want to consider having a policy. Cover may be required to work with certain clients. Minimum levels of cover could be written into their project contracts.
Professional Indemnity can also help you cover the cost of expensive claims and lawsuits. It can also help protect you against losses claimed by a third party due to alleged or actual negligence in your professional services or advice
Every marketing consultant is unique and will have unique insurance needs. The amount of Professional Indemnity cover that may suit your business may not fit other marketing consultants. You may want to consider several factors when deciding how much cover you may need, such as:
• The size of your projects
• Cover limits set by client work contracts
• The number of people covered by the policy
Public Liability insurance is designed to provide protection for you and your marketing business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities. On the other hand, Professional Indemnity protects you against financial losses if you end up facing a claim for actual or alleged negligent acts or omissions in the provision of your professional service or advice.
A claims-made policy provides cover when a claim is first made against you during the policy period. So, if a claim is notified or submitted while the policy is active, it can be covered. You cannot make a claim after the policy has lapsed.
When you buy Professional Indemnity insurance, you will be emailed a certificate of currency—your proof of cover. BizCover customers can also download copies of their certificates of currency at any time through the customer portal.
Cyberattacks on small businesses are common– and potentially expensive. A Cyber Liability insurance policy is designed to help protect you from claims and support your profitability in the event of a cyber breach or attack. Costs associated with defending a cyber claim are also covered.
Some clients may require independent marketing consultants have insurance to work with them. They may write minimum cover limits into their work contracts.
Generally, no. Subcontractors are typically not considered employees and would not be covered by your business policies. Marketing agencies typically require that the subcontractors they work with have their own policies.
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Steven was awesome. Straight to the point, worked very fast and made the transaction smooth.
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Paul H, Marketing Consultant
The person on the call was very help full. I am forever thankful to her. I’m sorry I forgot how to spell her name but she knows who I’m talking about.
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