Why do I need a marketing consultant insurance policy?

Whether freelance or part of a well-oiled agency, marketing 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 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.

Say a series of social media posts cause an unexpected controversy. That’s a potential lawsuit.

And if you give marketing consulting advice that costs a brand’s reputation? That’ll cost you, too.

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 Consultants Insurance from Thimble today.

What is covered under the Marketing Consultant Insurance policy?

The general liability and professional liability insurance arranged by Thimble can help protect marketing consultants, digital marketing agencies, and freelance consultants from liability in cases like the following:

Bodily Injury
As a marketing consultant, you might get hired by another 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, you could be held liable.

3rd-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 the course of your work, you could be held liable for the cost of replacement or repair.

Defense from 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 investigation of claims against you, and when necessary, provides a defense from claims.

Errors & omissions
You provide professional advice to your clients about their marketing strategy. Should one of them claim you failed to provide appropriate professional services and, due to the errors in your work, they incurred a financial loss, you could be held liable.

How much does marketing consultant insurance cost?

Several factors will affect the rate of Thimble’s Marketing Consultant Insurance. These include crew size, location, the term duration, and your desired coverage limit. For any small digital marketing agencies or freelance marketing consultants, this insurance is ideal.

Why? Because it only works when you do.

With flexible, on-demand policies, you don’t have to pay more than you need to for insurance.

It’s peace of mind, without the huge dollar sign.

Get your hands on marketing business insurance that makes you feel covered when you need to be. Get your free, instant Marketing Consultant Insurance quote from Thimble now.

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How quickly can I get a Certificate of Insurance?

Immediately.

Once you’ve gotten your quote and purchased a policy, your policy and any required Certificates of Insurance (COIs) are instantly available. And all of that can happen in less than a minute. That’s right: in just 60 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, all for free. And Additional Insureds? No additional charge and unlimited.

Don’t settle for insurance coverage that’s less than affordable and less than convenient. Here, we want you to expect more.

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 legal claims thus resulting in financial loss.

As an in-house consultant, if you were named as the individual responsible in a claim, you could still be seen as personally liable for damages. And, 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 Consultant Insurance!

Are workplace injuries of my staff covered?

No. General liability insurance only covers bodily injury to a non-employed third party, which could include a client or bystander. The investigation, defense, and settlement of such claims would be directly provided by your policy. To cover work-related injuries and damage to your own property, you would have to acquire different policies (workers’ compensation and commercial property insurance).

Does Thimble’s Marketing 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 policy. As a marketing 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 among limits of $1000, $2500, and $5000.

How do I get Marketing Consultant Insurance with Thimble?

This part is easy.

In less than 60 seconds, you can see your quote, pick a policy, and make a purchase.

All we need is your ZIP code, some details about your business, and the length of coverage you want—choose between hourly, daily, or monthly policies.

Once you’ve clicked purchase, you’ll have instant access to a copy of your policy and as many COIs as you want, as well as unlimited Additional Insureds at 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!

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