We may earn a commission when you get a quote or buy through some links on this page. It can affect the order of the list. It does not change the facts in each card, which come from each insurer's own site as published on November 10, 2026.
Clients sue marketers for the work, not for slipping on the office floor. A campaign that missed its promised numbers, research the client says was wrong, an ad that used an image you did not have the rights to, a client list exposed in a breach. Many larger clients put an insurance clause in the contract before they sign. Here are five places freelance marketers, consultants and small agencies buy cover, what each one says it includes, and what each one says it costs.
The short version
- Fastest to buy online, with cyber in the same place: ERGO NEXT.
- Tailored to marketing consultants, with a published starting price: Hiscox, professional liability from $23 a month.
- A long-established carrier for consultants: The Hartford.
- Cover by the job, month or year: Thimble.
- To see what marketing consultants typically pay and compare quotes: Insureon, a marketplace.
| Provider | What it covers for marketers | Published price | How you buy |
|---|---|---|---|
| ERGO NEXT | Professional liability, general liability, workers' comp, property, cyber | By quote; advertises up to 25% in discounts | Online in about 10 minutes |
| Hiscox | Professional liability, general liability, business owner's policy | Professional liability from $23 a month | Online quote or licensed agent |
| The Hartford | Professional liability for consultants | By quote | Online quote |
| Thimble | Errors and omissions, general liability | By quote; by the job, month or year | Quote in seconds, policy in minutes |
| Insureon | Marketplace for several insurers | Averages: $59 a month professional liability, $74 cyber, $30 general liability | One application, several quotes |
1. ERGO NEXT, the fastest online buy with cyber included
What it covers: professional liability (errors and omissions), general liability, workers' compensation, commercial property and cyber liability, for marketing consultants and digital marketing agencies.
How you buy: 100% online in about 10 minutes; monthly or annual payment; cancel anytime; unlimited certificates of insurance at no extra cost.
Worth knowing: it advertises savings of up to 25% in discounts for marketing businesses, and shows 4.7 out of 5 from 5,056 reviews. It does not publish a starting price on this page.
2. Hiscox, tailored to marketing consultants
What it covers: professional liability, general liability and a business owner's policy, tailored to marketing consultants, with worldwide coverage for work done globally.
Published price: professional liability from as little as $23 a month; Hiscox notes your cost depends on your business.
Claims it names for marketers: inaccurate market research leading to a negligence claim, a client saying you failed to deliver promised services, a slander claim, and property damage from broken projection equipment at an event.
Worth knowing: 94% positive from 935 reviews on its page; payment options with no additional fees.
3. The Hartford, an established carrier for consultants
What it covers: professional liability for consultants, for claims of errors, omissions, negligence, misrepresentation and inaccurate advice.
Published price: none; The Hartford says costs vary by firm and prices each policy by quote.
How you buy: a professional liability quote online.
Worth knowing: more than 200 years in business, by its own account.
4. Thimble, cover by the job, month or year
What it covers: errors and omissions, third-party bodily injury and property damage, and defense of claims, for freelance marketing consultants and small digital agencies.
How you buy: a quote in seconds and a policy in minutes; certificates instantly; additional insureds at no extra charge.
Worth knowing: useful when a single client contract demands proof of cover for one project.
5. Insureon, to see typical prices and compare quotes
What it is: a marketplace that collects quotes from several insurers through one application.
What marketing consultants pay, by its figures: professional liability $59 a month, cyber insurance $74 a month, general liability $30 a month, on average.
How you buy: one free online application, then compare quotes and choose.
Which policies a marketer actually needs
Professional liability (errors and omissions) is the one that matters most: it pays your defense when a client says your work cost them money, even when you did nothing wrong.
Cyber liability matters as soon as you hold client logins, ad accounts or customer lists.
General liability covers injury and property damage, and is the one landlords, coworking spaces and event venues ask for.
Before you sign a client's contract, check its insurance clause for the limit it asks for and whether it wants to be named as an additional insured. Most of the providers above can issue that certificate the same day.
Questions people ask
Do freelance marketers need insurance?
No law requires it for most marketers, but many client contracts do. Professional liability is the policy that answers the most common claim against a marketer: that the work cost the client money.
What is the difference between errors and omissions and general liability?
Errors and omissions, also called professional liability, covers claims about your work and advice. General liability covers bodily injury and property damage, the kind of claim a venue or landlord worries about.
Can I buy cover for a single client contract?
Thimble sells cover by the job or the month as well as by the year, which suits a one-off contract that demands proof of insurance.
How we compared
Every price, coverage and rating above is what each provider publishes on its own website, read on November 10, 2026. Your price depends on your state, revenue, the limits you choose and your claims history.
