Core coverages in this program
- •Professional Liability (Errors & Omissions)
- •Media Liability (copyright, trademark, defamation)
- •Cyber Liability & Data Breach Response
- •General Liability / Business Owner's Policy
- •Workers' Compensation
- •Hired & Non-Owned Auto
The claims marketing consultants actually face
Most marketing claims are financial disputes about your work, which general liability will not cover. Errors & omissions and media liability are the policies that pay defense costs and settlements, even when the allegation is groundless.
- •A client says a campaign, SEO project or website launch failed to deliver promised results
- •A stock photo, font, song or influencer clip in an ad triggers a copyright or trademark demand
- •Ad copy or a comparison claim leads to a defamation or false-advertising allegation
- •A missed deadline or budget error burns client ad spend
- •A phished login exposes a client's ad account, email list or CRM
Typical 2026 costs for marketing consultants and agencies
Pricing follows revenue, number of staff, the size of client contracts, and whether you manage client ad spend or customer data. These are typical ranges, not quotes; your actual price depends on carrier appetite and claims history.
| Business profile | E&O + media $1M | GL / BOP | Cyber $1M |
|---|---|---|---|
| Solo consultant or freelancer, <$250K revenue | $700–$1,500/yr | $400–$700/yr | $600–$1,200/yr |
| Small agency, $250K–$1M revenue | $1,500–$4,000/yr | $600–$1,200/yr | $1,200–$2,500/yr |
| Agency with staff, $1M–$5M revenue | $4,000–$12,000/yr | $1,200–$3,000/yr | $2,500–$6,000/yr |
Renewing in the next 90 days?
That's the sweet spot to re-shop your coverage. KTL benchmarks your renewal across 20+ A-rated carriers — most clients see options within one business day.
What client contracts usually require
Larger brands, franchisors and SaaS companies often send vendor requirements before you can start. The most common asks are $1M–$2M of professional liability, $1M/$2M general liability, $1M of cyber, additional insured status and a waiver of subrogation. Send us the contract and we will match the policy to it before you sign.
How to keep the premium down
Carriers price marketing risk on how well you control it.
- •Use written scopes of work that avoid guaranteeing results (rankings, leads, ROAS)
- •Keep licenses for every image, font and music track you use
- •Turn on multi-factor login for client ad accounts and shared drives
- •Bundle E&O, cyber and GL with one carrier where it is priced well
Have Insurance Requirements From a Client?
Send us the insurance requirements from your contract, lease, vendor agreement, or licensing agency. A KTL commercial insurance specialist will review the requirements and help determine the coverage, limits, and endorsements you need.
Ready for a benchmarked quote?
A KTL specialist will shop your risk across multiple A-rated markets within one business day.