Business insurance for digital marketers

In digital marketing, insurance can make all the difference if the unexpected strikes, helping you to keep reaching audiences and driving growth.

Your business may operate in digital advertising or you might provide freelance SEO consultancy. Either way, you’re exposed to risks every time you log in or sign a contract. Tailoring business insurance with Hiscox can help cushion your finances against the impact of digital marketing setbacks.

Online quote in 5 minutes

Get a quote


Why choose Hiscox for digital marketing insurance?


Cover tailored to digital marketing risks

Our insurance can be tailored for risks such as negligence, GDPR investigation and claims you've breached comparative advertising rules


Complete flexibility and control

We know digital marketing can evolve at pace so we allow you to make unlimited policy changes


A simple claims process

At Hiscox, we ensure we make claims simple and stress-free with our online portal

digital marketing professional reviewing bar charts
Always enjoy dealing with Hiscox. It’s quick and easy to get cover and very reasonably priced to boot!
Read all reviews
Tell us more about your digital marketing business

Build cover tailored to your industry

Get a quote

Why do digital marketers need insurance?

A drop in sales

Your evening work as a pay-per-click (PPC) consultant is rewarding – clients provide their campaign goals and you advise on the best way to reach them. Consulting may seem hands-off, but when your strategy misses a keyword set, your client might experience a drop in their return on ad spend (ROAS). This simple oversight comes with a price tag – so the client takes you to court. When professional indemnity insurance is built into your digital marketing policy, there’s support with legal fees – and if you need to pay compensation, we can help with this too.

Networking accident

In digital marketing, networking can be valuable for securing new business, so it might be useful for your insurance to cover the risks associated with these interactions. Perhaps you run a market research firm or focus on social media marketing – either way, attending events can widen your reach. An attendee might trip over your marketing stand or you could damage someone else’s laptop spilling coffee. Public liability insurance can help with legal costs and compensation pay-outs if someone claims your work has caused damage to their property or a personal injury.

Employee injury

The launch of your social media consultancy start-up is an exciting step. Your team is willing to pitch in with the heavy lifting – so when your computer system arrives they’re keen to help set up. Your SEO manager gets to work but injured their back – this turns out to be a slipped disc and the employee decides to file a claim for damages. Staff workplace health and safety is your responsibility, so employers’ liability insurance can help a digital marketing business pay for legal and compensation expenses.

What insurance is available for digital marketers?

Some digital marketing firms also add cyber and data cover to safeguard against cyber threats and legal protection insurance for help with contractual disputes. For the self-employed or key people in small businesses, personal accident insurance can also bring reassurance.

Insurance for digital marketing: FAQs

What insurance do I need for working from home?

When you work from home, either temporarily or as part of a digital nomad lifestyle, you might find your marketing business needs additional insurance.

If you welcome clients to your home office for meetings, or even accept the occasional business delivery, public liability could be reassuring. You’re likely to take out the same contracts and offer the same advice and services so legal protection cover and professional indemnity insurance may both also be helpful.

Many insurance needs are the same for digital marketers who work from home – our home-based business insurance page sets out the options.

What insurance does an agency need?

A digital marketing agency might need insurance products such as:

  • Professional indemnity to protect against service complaints
  • Cyber insurance to safeguard the systems and data you rely on
  • Public liability insurance for reassurance at client meetings
  • Legal protection insurance in case of disputes over debt and contracts
  • Employers’ liability insurance as soon as you take on your first member of staff

The Hiscox approach makes it possible to tailor insurance in line with your agency’s requirements, whether you’ve just launched a start-up or have a 20-strong team.

How much does digital marketing insurance cost?

The cost of digital marketing insurance depends on the products you add to your policy and the cover limits you set for each. In general, business insurance costs start at £8.40 per month with Hiscox*.

Setting insurance policy limits is an important decision for any digital marketing business, since underinsurance can affect our ability to help if you need to make a claim. Policy limits should be as high as the value of a worst-case scenario claim. A digital marketing business with high-value client accounts might need more insurance coverage than a freelancer.

*Figures based on an average of all business insurance policies sold to at least 10% of our customer base between April 2023 and April 2024

Meet our experts

Maxwell Tipper

“As Head of Media at Hiscox, I provide insurance solutions to some of the UK’s leading advertising agencies, publishers and broadcasters. Our focus and expertise are key, with 30 years in the media sector, dealing with complex insurance needs.” 

- Maxwell Tipper, Head of Media

still from jon's unskippable minute video

How to balance business and creativity

Digital marketing is creative work, but it’s also commercial. Watch Jon Marshall’s unskippable minute video to learn how his design consultancy strikes the balance.

image of fingers on laptop keyboard

When clients claim: Media insurance stories

From copyright to filming rights, the digital marketing sector carries a distinctive set of risks. Read media insurance claim stories to learn how Hiscox responds.

image of a professional writing notes in a book

How to manage risk in marketing, advertising and communications

In our ultimate guide to managing risk in marketing, advertising and communications, you can find industry-specific tips for managing licensing issues and data protection risk.