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Personalised Marketing, Media and Graphic Design Insurance

12 months insurance for the
price of 10

Giving something back to help keep you on track

New policies only, quoted online. Introductory discount applied over the first 12 months. Other available discounts will be applied consecutively.
Excludes Landlord and Van policies. Offer ends 26 May 2021.

Got another quote that's still lower? Check out Guaranteed to Beat.

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or call us on 0345 878 5622

Call us on 0345 878 5622

Get free 24/7 legal advice and access to an online legal documents service with Legal Essentials

Included as standard when you buy or renew any of our business insurance policies. Document services and legal advice helpline are provided by DAS Legal Expenses Insurance limited

  • Get 10% off business insurance if you’re already a Direct Line customer.

    Discount applies to your new business insurance policy. Subject to minimum premiums.

  • We can cover you if you work at home, in an office, at a hot desk or when visiting clients.
  • No admin fees if you need to make changes to your policy.
  • 0% APR on your monthly direct debit payments in the first year.

    New customers only, over 18s, subject to eligibility.

  • We won't be beaten on price. We'll beat your new business insurance quote or renewal premium from any other insurer.

    New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply. Terms & Conditions.

Personalised insurance for media professionals

In your line of work, reputation is everything. Clients rely on you for your creative flair, understanding of their industry and attention to detail. If you get something wrong, and your client suffers financial loss or reputational damage, they could make a claim against you.

For example, if you’re working on the marketing for a film, and a poster you’ve produced features a spelling error, you could be required to reimburse your clients for production costs.

There are also other risks involved with your line of work, for example if your laptop gets stolen, you may not be able to present to clients. Meanwhile, if you’re working at a client’s premises, and you accidentally cause damage to their property, you will be liable.

Small businesses are not always equipped for the costs of settling a claim or replacing expensive business items. Therefore it’s important to have the right insurance in place, so you’re covered if something goes wrong and you can continue trading.

At Direct Line for Business, we put you in charge of creating your insurance policy. Using our online tool, you can choose what types of cover you want to include to create a policy that is just right for your business.

See what you can include in your policy below.

Get a quote
or call us on 0345 878 5622
Get a quote call us on 0345 878 5622

Your cover options

Add any of the following cover options to your Marketing, Media and Graphic Design insurance to create a policy for your unique business needs. These covers are subject to policy conditions and limits.

  • Professional indemnity

    Professional indemnity insurance covers your legal and compensation costs if a client accuses you of negligence. For example, if your mistakes on a marketing campaign led to a reputational backlash for your client.

  • Public liability

    Public liability provides cover if anyone is injured or their property is damaged because of your business. For example, if you were meeting a potential client in a coffee shop and spilled your drink all over their laptop. Similarly, if you were at a trade fair and one of your promotional stands fell and hurt a member of the public, this insurance would cover your costs if they made a claim against you.

    Under our public liability cover we are able to offer a limit up to £10 million, and we also include product liability, as standard. So, if your business does sell any products, you’re covered if a customer decides to sue you because of any injury or damage as a result of them.

  • Employers' liability

    If you take on any employees, employers’ liability insurance becomes a legal requirement. Read more about the exceptions to this rule here.

    This liability insurance covers the legal and compensation costs you could have to pay if an employee gets injured or becomes ill because of the work they did for you. At Direct Line for Business, we will cover you for £10 million, as standard.

  • Buildings cover

    It doesn’t matter where you work, whether it’s in an office or at home, if an insured event such as fire or flood damages your business premises, buildings insurance will help pay the costs of repairing any resulting damage. It can also cover debris removal and architects’ fees.

    Direct Line for Business’s buildings cover also includes breakdown cover, as standard (for items forming part of the building). So, if equipment essential to your business breaks down and you need to repair or replace it, this policy will cover it. This could include boilers and fire or burglar alarms. The breakdown must not be due to wear and tear.

  • Contents and stock

    You can insure your business items, including tablets, graphic design hardware and even your furniture, so if your items are damaged or stolen, you can replace them quickly and continue working for your clients.

    If your work requires you to travel frequently, you can extend your policy so that your items are covered on the go. For example, it would be difficult to present to clients without your laptop. Covering it while you’re out of the office means that even if you damaged it beyond repair, we could cover the costs of getting a replacement so you wouldn’t be out of touch for long.

  • Business interruption

    If you can no longer work at your workspace (whether that be your own office, a hot desk or your client’s premises) due to an insured event such as fire or flood, business interruption will cover you as you make arrangements for an alternate location. It will also cover loss of turnover if you’ve insured your premises.

    Our business interruption cover can insure you if you or one of your key employees becomes seriously disabled and is unable to continue work. We will cover the incurred costs, up to £25,000, to minimise any interruption to the business.

  • Cyber cover

    If you hold sensitive customer data, process payments online or just want peace of mind, Cyber cover should be considered. Because cyber criminals can be clever. Catching you off-guard and tricking you in to doing something you shouldn't, like opening an attachment in a fake email, or finding a way through your cyber-security. If this happens and they get their hands on your data or access to your bank account, the impact on your business could be devastating.

    But, with our Cyber cover, you can call the experts, 24/7. They'll be on it, helping you to stay in business and recover in three ways:

    Recover financially

    • Covering loss of business income if your systems are attacked
    • Covering recovery costs, like fixing damage to your computer systems or data restoration
    • Covering fines (where insurable by law) and compensation costs.

    Recover your reputation

    • You get access to public relations and crisis management experts to minimise damage to your brand and business.

    Recover your systems and help prevent future incidents

    • Technical experts will help fix your IT issues and provide advice on how to prevent future cyber incidents.

    Read more on Cyber cover here.

    Available on new and renewal policies only. For Retail and Office & Professional customers only.

  • Theft of takings

    If you work with money or cheques then you need to safeguard your business takings against theft. This cover will pay out in the event money is stolen from you, anyone working for you or your premises.

  • Legal expenses

    This covers the legal costs of providing specialist lawyers and taking action against many common legal problems, for instance disputes with suppliers or clients.

  • Personal accident

    Personal accident cover provides payment if anyone in your business between the ages 16-75 is unable to work because they've been injured in an accident, whether in a business or personal capacity.

    We'll pay a lump sum of £50,000 if there is an accidental death, accidental loss of limbs or sight, or if someone in your business becomes permanently disabled following an accident.

    If someone in your business is unable to work due to a temporary injury, then after 7 days we'll pay their normal net weekly earnings up to £500 for up to 104 weeks.

    You can choose Personal Accident as an add-on once you've completed your quote.

How can we help?

Get a quote, talk to us via live chat or call us on
0345 878 5622.

Visit our contact us page to view our opening hours.

Frequently asked questions

  • QWhat kind of professionals will you insure?

    We cover many different professionals in the marketing and media industry. Here’s a selection:

    • Advertising consultancy
    • Copywriting
    • Digital marketing consultancy
    • Graphic design
    • Marketing
    • Marketing consultancy

    If you don’t see your profession here, it doesn’t mean we won’t cover you. Just get a quote to receive a complete list of the cover options for your business or call into our contact centre on 0345 8785 622.

Policy documents

If you have an existing quote or policy with us, you can view and download your policy documents from the My Account page.

We tailor all our policies, so your documents only show what you’ve chosen to cover.

Below is a summary of a generic policy, from 25 October 2020 onwards, which shows the main covers and exclusions in our policies.