Marketing insurance

Public liability starts from €7.55 per month and professional indemnity from €10.80 per month. If you take both, the two premiums are added together. What you actually pay depends on the activities you declare, your turnover, the cover limit you choose and the excess you accept. A solo marketing consultant working from a home office will normally pay less than a 10-person agency running events and shoots. You get the exact figure from the online quote before you commit to anything.

It is not compulsory under Irish law, but it is the cover that matches how you earn: your work is advice, strategy and deliverables, so the realistic claim against you is financial loss rather than injury. It is also often a contractual matter, because client contracts and public tenders frequently set an insurance requirement you have to meet before you can sign. If you advise on campaigns, write copy, design assets or manage a launch, it is worth checking what your own contracts ask for.

No, public liability is not required by law in Ireland. It becomes a practical requirement rather than a legal one: clients, venues, landlords and local authorities often make it a condition of letting you work on their premises or at their event. For marketing work it is relevant whenever you are in someone else's space, so shoots, launches, exhibition stands and client site visits. Most marketing work involves other people's premises at some point, and a single accident there is what this cover responds to.

That is what professional indemnity is for: purely financial loss a client suffers because of a mistake in your professional work, with no injury or property damage involved. A misprinted contact detail, an error in a document they relied on or a missed detail in something you delivered all fall in this territory. Two limits apply: the policy is written on a claims-made basis, so the claim has to be made and reported while your policy is running, and claims that turn on promised or guaranteed results are excluded. Declare every discipline you work in, because the policy responds to the activities you named.

The same two covers as the rest of this sector, for the same reasons. Professional indemnity is the cover most often relevant, because a public relations or communications claim is almost always about financial loss from advice, a document or a piece of timing that went wrong. Public liability sits alongside it for the physical side of the work: press events, media days, filming and client premises. You can take both out together in one Insify policy, with the cover limit and excess set to match your business.

The excess is the part of a claim you pay yourself, and the rest is paid under the policy. If a claim settles at €5,000 and your excess is €500, you pay the €500 and the remaining €4,500 is covered. A higher excess lowers your premium, and a lower excess costs more each month but leaves less with you when something goes wrong. You choose it when you take out the policy, and the options available depend on your turnover. It applies per claim, not once a year.

No, to both. This policy covers your liability to other people, not your own property and not your data risk. Laptops, cameras, lighting, phones, studio kit and your office contents are not insured under public liability or professional indemnity. Cyber is also outside this policy: a data breach, a ransomware incident or a data protection investigation is not covered here, which matters for this line of work because client lists, campaign data and creative files sit on your systems. If a claim involves damage to someone else's property caused by your work, that is public liability. Own equipment and cyber are separate types of policy and Insify does not currently sell them in Ireland.

The main exclusions for this sector are set out in full in the covered-and-not-covered list on this page, and your policy documents are the complete statement. The ones worth knowing before you buy: unsolicited communications to a consumer, including unsolicited messages by telephone or electronic means; organising or hosting prize draws, lotteries or other games of chance; predictions or calculations about promised coupons, discounts or other prizes in advertising; infringement of any patent; contractual clauses that increase your liability; and promising or guaranteeing results. Several of those are things marketing teams do routinely, so read that list properly rather than assuming. Terms, conditions and underwriting criteria may apply.