Marketing Consultant Business Insurance

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The Hartford makes it easy to get a business insurance quote online, including for business liability, property, and workers' compensation coverage.
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What Marketing Consultant Insurance Does Your Business Need?

The Hartford offers Marketing Consultant Insurance for a variety of business professionals. Marketing business professionals we insure include:
  • Marketing/Advertising consultants
  • Graphic designers
  • SEO digital marketing consultants
  • Web designers
  • Brand consultants
  • Media planners
  • PR consultants
  • Market research professionals
  • Creative planners
  • Direct marketing professionals
  • Online marketing specialists

Business Owner’s Policy

Most management and marketing consultants have a Business Owner’s Policy (BOP). This policy helps protect your consulting business in much the same way a homeowner’s policy protects your home and personal possessions.
By combining three basic coverages needed by virtually every small business, a Business Owner’s Policy can help your small management or marketing consulting practice save money on insurance rates while safeguarding your consulting business.
  1. General Liability – protect your marketing or management consulting business from certain lawsuits alleging injuries or property damage that occurred as the result of your business operations, like if a client gets hurt at your office or an employee damages someone’s property while providing a consultation at a client’s home. This liability insurance even helps cover certain claims of slander and libel against your company. Business Liability does not cover liabilities directly arising out of the professional services you may provide.
  2. Commercial Property – helps protect the place where you run your marketing or management consulting business and the things you use to conduct business, like computer equipment you use to communicate with clients – whether you own or lease them.
  3. Business Income – helps cover the loss of income when you can’t run your marketing or management consulting business because of covered property damage.
Learn more about our Business Owner’s Policy for your marketing and management consulting business.
Easily Add Optional Insurance Coverages to a Business Owner’s Policy
Your clients look to you for advice and recommendations on how to improve their business. But consider what might happen to your business if you were to make a mistake or overlook an important detail. When things don’t go quite as planned, Professional Liability Coverage helps protect your business assets in the event of a lawsuit. It also helps cover the cost of your defense.
Learn More About Errors and Omissions Insurance
Management and marketing consultants often store information about employees or customers, including credit/debit card and Social Security numbers. Data Breach Coverage helps pay the costs of notifying impacted individuals, handling public relations, good faith advertising, and more if personally identifiable information is lost or stolen.
Learn More About Data Breach Insurance
If your consulting business has employees, you may be vulnerable to an employee practices liability claim. Current and former employees may potentially take legal action claiming they were wrongly terminated, discriminated against or harassed while working for your consulting business. For example, if an employee claimed he was not promoted because his manager discriminated against him, your consulting business may face serious legal expenses. EPL may help cover the costs of these legal expenses like these.
Employee Benefits Liability insurance may help cover costs to your consulting business that arise from claims that errors or omissions were committed in the administration of your company’s employee benefits plan. For example, if an employee at your consulting business claims your company misled him about what was included in his retirement plan, Employee benefits liability insurance may help cover the costs your company incurs related to that claim.
Limited Care, Custody or Control Property coverage may help cover the costs to your consulting business when working off-site, if a customer claims their property was damaged while in your care, custody or control. If property damage occurs while your consulting business is working away from your business location, this coverage may help cover the costs incurred by your business related to the damage claim.
Bundle Insurance Coverage for Marketing & Management Consulting Services
Increasing your Business Owner’s Policy protection for your management or marketing consulting business at an affordable price is easy, thanks to The Hartford’s Stretch® endorsements that bundle valuable key coverages. For marketing or management consultants like you we offer:
  • Basic Stretch
  • Super Stretch
  • Super Stretch for Business Services
Contact an agent or a representative from The Hartford about these cost-effective solutions that help take the guesswork out of selecting the right small business insurance coverage for your management or marketing consulting business.

Additional Solutions

If you have employees, use a car for work, or work from home, your marketing & management consulting business may also benefit from:
Other Important Insurance Options for Marketing & Management Consulting Businesses
Required by most states, workers' compensation insurance provides benefits to your marketing or management business’s employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. In the event that your employee’s family decides to sue you, coverage can help you with related legal fees. Businesses have been turning to The Hartford for workers' comp coverage for more than a century. 
Do you ever use your car for business, say to meet with clients, deliver proposals, attend a business conference, or more?

A Business Auto Policy provides coverage generally not included in a personal auto policy. It can cover you or an employee consultant when a personally owned vehicle, used for business purposes, is involved in an accident. 
If you run your consulting practice out of your home, you probably want a Business Owner’s Policy (BOP). A Business Owner’s Policy provides coverage that is usually not available with a homeowner’s policy. 

Ask yourself, “Do I have customers or clients come to my home to discuss business, do I store work documents and meet with other consultants at my home, or do I receive business mail or accept deliveries for work at my house?” If so, your agent or a representative from The Hartford can help you select the right coverage to protect your business.

Learn More About Home-Based Business Insurance
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.