Media insurance
Join over 900k UK customers (including over 18,430 UK creative companies like you) – we offer public liability cover from £4.74*
Get tailored quotes in 7 minutes
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Rated 4.8/5
Based on 39,800 reviews
Claims paid in 24 hours
For 80% of settled claims
Why is media company insurance important?
Back in the office or a home-based set-up – wherever the brief takes you, trips and falls, contract disputes, and other unexpected events can be a financial drain. From professional indemnity insurance, built to cover loss-causing errors in your work, to freelance cover that factors in your laptop, our insurance is designed to keep your mind on the work, not the what-ifs.
- media freelance insurance, including expert professional indemnity cover
- rated 4.8/5 based on 39K+ public and product liability customer reviews
- equipment, accident, and employee cover – you choose what you need
What does media business insurance cover?
We’ll start with media professional indemnity insurance, covering you against errors in your work and activities which cause a financial loss to a third party – for example, if you send an email containing sensitive information to the wrong client. From there, you can add public liability cover for accidents and injuries, plus employers’ liability cover.
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Media business public liability insurance
In case your business causes an injury or property damage.
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Employers’ liability insurance
In case anyone gets ill or injured while working for you.
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Media professional indemnity insurance
In case there’s a claim for loss-causing errors or issues with your work.
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Business and office equipment insurance
In case something happens to the equipment you rely on.
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Legal expenses insurance
In case you face legal costs in connection with your media business.
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Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or elsewhere.
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does media insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £4.74 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example media insurance quotes, real prices
£9.86 /month
£78.55 /year
A self-employed graphic designer who works on contracts from small businesses
- 2-3 years’ experience
- Sole trader
- No employees
- Based in Coventry
Public liability
Not included
Employers’ liability
Not included
Professional indemnity
£50,000
£25.15 /month
£223.55 /year
A small design company that offers services such as website design and marketing material nationwide
- 5+ years’ experience
- Limited company
- 2 employees
- Based in Milton Keynes
Public liability
£1,000,000
Employers’ liability
£10,000,000
Professional indemnity
£250,000
How we work out example quotes These examples are real quotes from our online system (created 17/04/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Professional indemnity | No excess | £2500 |
Public liability | £200 | £750 |
Contents | £100 | £750 |
Portable equipment | £100 | £500 |
Employers liability | No excess | No excess |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
How it works
Pick what goes into your policy
Only pay for what you need
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How do I choose insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
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Which type of workers do I need insurance for?
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Does media insurance cover my work correctly?
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Do I need cover for other types of work?
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Which public liability cover limit should I choose?
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm
Call our team
How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£51 million in claims paid out in 2023
83% of claims were settled in 2023.
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
Example claim
Having media company insurance through Simply Business has saved industry professionals thousands of pounds when the unexpected happened.
Ella saved more than £10,900
An apprentice at Ella’s (not her real name) media company knocked the office water machine over onto the multi-function printer, causing extensive damage. The optional business and office equipment cover in Ella’s media insurance policy helped cover her repair and replacement cost.
Insurance payout
£10,946.00
Covering the cost of accidental damage
Insurance payout
Covering the cost of accidental damage
Covering the cost of accidental damage
Chosen by nearly 1 million small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then, with nearly 1 million customers across 1,500 trades now trusting us to provide their business insurance.
Media industry insurance FAQ
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about media freelance insurance, and other types of cover. You can also check out our business insurance FAQs.
For most freelancers (and other small businesses), professional insurance will be your responsibility to put in place. Professional indemnity, public and employers’ liability cover are common types of insurance often required by your clients within your contract, or by law, especially in the case of employers’ liability.
Some clients will have insurance which may extend to you, for example, they must have employers’ liability cover if they employ anybody, including contractors, and this may work to protect you if you’re involved in an accident caused by your work for them. However, in general, it’s best to research and put your own policy together, for cover that suits your specific situation, as a freelancer.
Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a plumber, you may also do building work on certain jobs – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 043 8527 and one of our insurance experts will help you set up your policy in minutes.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
