Marketing Agency Insurance
Specialist cover for creative agencies from £4.83* a month.
- Public liability for creative agencies
- Add Professional indemnity cover
- Add Employers’ Liability cover
- Join over 150,000 customers**
From only £4.83* per month
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What does marketing agency insurance cover?
Our insurance for marketing agencies is designed to support small creative teams working in the communications and design industries. From independent studios to agencies delivering client campaigns, whether you’re working solo or employ a small team, this policy gives you the protection you need to focus on delivering great work with confidence.
The core cover includes public liability, with limits of up to £5 million. This protects you against claims of injury or property damage that may arise in the course of your work. It’s straightforward, essential cover that helps you operate securely while putting your energy into your clients and campaigns.
You can also shape your marketing agency policy with optional extras such as professional indemnity, equipment cover, personal accident protection, and legal expenses. Whether you’re meeting clients, producing content on-site, or managing projects remotely, your insurance can grow with your agency’s needs.
Make sure you have the correct insurance for your profession and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Professional Indemnity
Employers' Liability
Equipment
Personal Accident
Public Liability and Products Liability
- From £1 million to £5 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged, whereby you or your business is responsible.
Professional Indemnity
- From £250,000 to £1 million of cover.
- This protects you from damages caused by your mistakes, errors, or negligence in your professional work, including those made by your employees.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Equipment
- Up to to £25,000 worth of cover
- Cover is provided on a new for old basis for items under three years old, meaning that regardless of whether you have had the item for three months or three years, we will replace it with a brand-new equivalent if the damage is irreparable.
Personal Accident
- Protection from workplace accidents.
- A selection of incidents can be claimed for under this benefit including accidental death, permanent total disablement and temporary total disablement.
Overseas Extension
- Work abroad for up to 30 days a year.
Select European Union or Worldwide (excluding the USA & Canada).
Legal Expenses
- Access to a legal helpline and a counselling service in addition to legal defence costs.
- The cover can be upgraded further to include employment disputes, property disputes, health and safety disputes and more.
- Expertise out of your scope of work.
- Businesses with more than 5 employees
- Damage to electronic data
- Wear and tear of equipment
- Operating in the US and Canada
- Anyone aged 16 or younger working for you
For further information on exclusions in your cover please refer to policy documentation.
Why do advertising agencies need insurance?
As an agency, your responsibilities extend far beyond producing eye-catching campaigns. You’re often tasked with strategy, content production, media planning, and performance reporting, all areas where clients have high expectations. Despite your best efforts, things don’t always go to plan, and incidents can arise.
Having the right insurance means that if a client challenges your work—whether due to missed deadlines, campaigns that didn’t perform as expected, or advice they claim led to financial loss, you’re supported. Even the most reputable agencies can face claims, and specialist insurance helps protect your reputation, finances, and future growth.
Agency insurance can help protect you in the following situations:
Public liability cover
A client or visitor is injured at your office or studio
Even in creative spaces, accidents happen. If a client trips over equipment during a meeting, you could be held liable.
Public liability insurance can cover the legal and financial consequences of these incidents, including compensation claims.
Professional indemnity insurance
Claims of negligence
If your work contains mistakes or inaccuracies, a client could accuse your agency of negligence.
Professional indemnity cover is designed for this, protecting you against legal defence costs and compensation.
Equipment cover
Your essential tools or devices are stolen or damaged
Cameras, laptops, design suites, and specialist software are critical to your daily operations. If lost or stolen, your workflow could grind to a halt.
Equipment cover ensures you can replace tools quickly and keep projects on track.
Personal accident cover
An employee suffers a workplace accident.
At an advertising agency employees may be at risk from a variety of accidents or injuries during their working day. Suppose an employee trips over some office equipment, resulting in some time off work, they could hold you responsible and raise a claim.
Employers’ liability is a legal obligation with fines of £2500 per day for failing to comply.
Our experts explain why...
“Protectivity understand agencies have to balance creativity with accountability daily, meeting deadlines, managing budgets, and handling client expectations. At the same time, they deliver strategies that shape a client’s brand, reputation, and bottom line.
That’s why our agency insurance reflects the real-world risks of running a creative business. Whether you’re a small studio or a growing agency, our cover provides essential support.
Our goal is to give agencies the confidence to push boundaries creatively, knowing they’re backed by flexible protection.”
Chris Trotman, Protectivity Underwriting Manager
How much does creatives insurance cost?
At Protectivity policies start at just £4.83 per month.*
Marketing and creative agency insurance is a cost-effective way to protect your business, reputation, and essential tools often for less than a single software licence.
The price of your policy depends on factors such as your client base, services offered, size of your team, and the level of equipment you use. If you handle high-profile accounts, manage sensitive data, or work with specialist equipment, you may require a more comprehensive policy. Optional extras such as equipment protection, personal accident cover, or employers’ liability can be added to suit your agency’s needs.
Ultimately, investing in agency insurance safeguards both your livelihood and your professional credibility, so you can focus on delivering bold, creative work with confidence.
Prices from
£4.83* a month
Explainer quote
Policy cost
£4.83* a month
Policy type
Creative agency insurance
Policy duration
Annual
Public Liability
£1,000,000
This example is based on a real quote from our website on 24/09/2025. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your marketing agency insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Does my policy cover work done by freelancers or subcontractors?
No – it is up to individual freelancers to have their own insurance.
Does my agency insurance cover copyright infringement claims?
No, it is up to you to ensure you do not breach copyright laws. If these are breached by freelancers you outsource to, it will be their responsibility for any repercussions.
Does my equipment stay covered when working remotely or on location?
Yes, but with some conditions. If you add Technical Business Equipment cover and declare the full value of your tools, you’ll be insured when working off-site. However, we can’t cover equipment valued above £25,000, and there are some exclusions—for example, if equipment is left unattended, stored insecurely, or kept in a vehicle without being locked away out of sight. For full details, see Section D: Technical Business Equipment in our policy wording.
Can I insure my agency’s creative equipment, like laptops or cameras?
Yes. You can cover your technical business equipment for up to £25,000 in value. If your equipment is lost, stolen, or damaged, we’ll pay to repair it or replace it as new—provided it’s under 3 years old. For older equipment, we’ll pay its current value, taking into account wear and tear.
Will I be covered if a client questions the quality of my agency’s work?
No. Our insurance excludes claims relating to disputes over the quality or outcome of your creative work. This means issues such as disagreements about campaign performance, client dissatisfaction with creative direction, or alleged shortcomings in deliverables are not covered under this policy.
Does my insurance cover data breaches of client information?
No – we are unable to cover stored data, it is up to you to take necessary steps to avoid data breaches.
Does your insurance cover data stored on my agency’s systems?
No. Our policies exclude cover for loss or damage to electronic data. However, if you add Technical Business Equipment cover, we can protect your physical devices, such as laptops, desktops, and servers, but not the digital files stored on them.
Can you cover agencies with more than 5 employees?
No. Our policies for Employers’ Liability are available for agencies with 5 or fewer employees. This headcount should include everyone you employ directly, unpaid volunteers, and labour-only subcontractors, as well as your directors or principals if you’re a registered company.
My agency offers a wide range of services. Can we still get covered?
Yes. Many creative agencies provide a mix of services that don’t fit neatly into one category, and that’s absolutely fine. You can select multiple trades or professions in your application, and your policy will cover you for all of them. If none of the listed options match exactly what you do, you can choose ‘Other’ and describe your services—we’ll then review and create a bespoke arrangement to reflect your agency’s work.
Discover more from Protectivity
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 24/09/2025. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to Sep 2024
¹Based on live Feefo data