Marketing and Advertising Consultant Insurance

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Why do I need Marketing or Advertising Consultant Insurance?

Whether freelance or part of a well-oiled agency, marketing and advertising consultants are the breath of fresh air we need in this increasingly digital world. You know how to think outside of the box, all while wrapping your ideas up in a neat little package. However, with great creativity and strategizing comes risks.

As a marketing or advertising professional, you directly give clients advice on how to position their products and services. And unfortunately, that doesn’t always go your way.

That’s why you need insurance, and stat. Whether you’re designing an innovative customer outreach program, an eye-catching marketing campaign, or launch parties for a brand’s new product, you have a lot of decision-making on your hands. And while the brand will reap most of the benefits from your marketing consulting decisions, you stand to take the brunt of the responsibility should your big moves turn sour.

Even despite taking measures to ensure your contracts and work are accurate, your client could claim you didn’t follow through on a portion of your deliverable or service.

Or, what if you were to host an event and contract brand ambassadors accidentally hurt potential customers at an event, those medical bills might become yours to pay.

But don’t fear! You’re in this line of work because you care about creativity and connectivity, and the risks are worth it when you have insurance coverage on your side. With Thimble, you can feel safe to think outside of the box without breaking the bank (or your reputation).

Don’t wait to cover your business with the right insurance. Protect yourself with Marketing and Advertising Consultant Insurance from Thimble today.

What does Marketing and advertising Consultant Insurance cover?

Third-party, non-employee bodily injury

As a marketing or advertising consultant, you might get hired by another marketing or advertising agency to step in and work on certain projects. While you’re at their premises (or anywhere you’re working), should your work result in a third party incurring an injury because of something you do, you could be held liable.

Third-party property damage

Being that you work with other clients, you might have to go to their work offices. Should you accidentally break something during your visit to their offices, you could be held liable for the cost of replacement or repair.

Defense of claims

We get it, you work in a fast-paced industry that’s fraught with risk. Should something happen that results in a lawsuit, your policy provides an investigation in the event claims are brought against your business, and when necessary, provides a defense against those claims.

Errors & omissions

Because you provide professional marketing and advertising advice to your clients about their marketing strategy, if one of them claims you failed to provide appropriate professional services and incurs a financial loss due to your consulting, you could be held liable. In addition, Errors and Omissions insurance, also known as Professional Liability Insurance, covers damages arising out of alleged wrongful acts, including false or frivolous claims for damages.

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How much does Marketing or Advertising Consultant Insurance cost?

Several factors will affect the rate of Thimble’s Marketing and Advertising Consultant Insurance. These include crew size, location, the term duration, and your desired coverage limit. For any small digital marketing agencies or freelance marketing and advertising consultants, this insurance is ideal. Why? Because it only works when you do. With flexible policies, you don’t have to pay more than you need to for insurance. It’s peace of mind, without the huge dollar sign. You need business insurance that makes you feel covered when you need to be. Get your free, instant Marketing and Advertising Consultant Insurance quote from Thimble now.

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Marketing and advertising consultant insurance FAQs

How quickly can I get a Certificate of Insurance?

Virtually immediately. Once you’ve gotten your quote and purchased a policy, your policy and most required Certificates of Insurance (COIs) are available in less than a minute. That’s right: within seconds, you can get your hands on flexible, on-demand insurance that works when you do. You won’t have to worry about losing out on last-minute jobs or getting snubbed by clients that want proof of insurance. Want proof? Poof! Your COI is there. Access it either on your account or via the Thimble mobile app. You can also download as many COIs as you want. And Additional Insureds? In most cases at no additional charge and unlimited.

The company I’m contracting with already carries business insurance. Do I need my own marketing consultant insurance policy?

Because we believe in convenience, we’ll give you the short answer right away: yes. But for all you inquisitive folks out there, here’s why you need your own insurance policy. Even if the agency or company you are consulting with already carries their own form of business insurance, there’s no guarantee that that policy’s coverage extends to you as a contractor. Not only does this strip you of the valuable peace of mind you need to do your best work, but it also puts you at risk of footing the bills for the defense and costs of claims thus resulting in financial loss to you. As a freelance marketing professional offering your services to multiple clients, you might be liable for damages, even if you marketed your services on a freelancing website. Additionally, an agency may hesitate to contract with you if you don’t already have insurance, and a client may not want to work with a consultant that’s uninsured. Play it safe and play it smart by purchasing Thimble’s Marketing and Advertising Consultant Insurance!

Are workplace injuries of my staff covered?

General liability insurance only covers bodily injury to a non-employed third party, which could include a client or bystander. To cover work-related injuries or illnesses you need workers’ compensation coverage.

Does Thimble’s Marketing and Advertising Consultant Insurance cover damage to my equipment?

Yes and no. While most general liability policies only cover property damage incurred by a third party, general liability insurance via Thimble can be packaged with Business Equipment Protection insurance as an option if you’ve purchased a Thimble Monthly or annual policy. For example, as a marketing and advertising consultant, your laptop is usually a critical tool. Protect it against theft and damages while you work. Depending on the coverage you seek and the risks of your job, you have a choice of limits ($1000, $2500, and $5000).

How do I get Marketing and Advertising Consultant Insurance with Thimble?

This part is easy. Within seconds, you can see your quote, pick a policy, and make a purchase. Start with your business ZIP code, add some details about your business, and choose the length of coverage you want.

Once you’ve purchased a general liability policy, you’ll have instant access to a copy of your policy and as many COIs as you want. You can also add an unlimited number of Additional Insureds at little or no additional cost. To make your insurance journey even more of a breeze, download the Thimble mobile app to view and make changes to your policy straight from your phone!