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Fractional CMO Insurance

Business insurance for independent marketing leaders, consultants, and fractional executives.
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Trusted by over
100k
contractors and freelancers
Cover for over
1,500
business activities
Average rating
4.8 /5
from our customers
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Business insurance for independent marketing leaders, consultants, and fractional executives.

As a Fractional Chief Marketing Officer (CMO), clients rely on your expertise to guide strategy, growth, brand positioning, customer acquisition, and revenue decisions.

But what happens if a client claims your advice caused financial loss, sensitive data is compromised or if a contract requires specific insurance cover before you can start work?

Business insurance helps protect the consultancy you've worked hard to build. Whether you're advising startups, scale-ups, SMEs, or enterprise organisations, having the right cover in place demonstrates professionalism and gives clients confidence.

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Why do Fractional CMOs need business insurance?

As a fractional executive, you're operating at a senior level inside multiple businesses.

You're making strategic recommendations, managing budgets, influencing revenue targets, and often accessing sensitive company information.

While the rewards can be significant, so can the risks.


Business insurance can help protect you against:

  • Claims arising from professional advice or recommendations
  • Client disputes over campaign performance or strategic outcomes
  • Data breaches
  • Third-party injury or property damage claims
  • Legal costs associated with defending claims
  • Loss or damage to business equipment
  • Contractual insurance requirements from clients

Insurance cover commonly chosen by Fractional CMOs

Professional Indemnity Insurance

Protect your business against allegations of negligence

  • From £13.50 per month
  • Provides £100k to £5m cover
  • Most trades include Retroactive Cover
Read more

Public Liability Insurance

Protect your business against allegations of third party injury & property damage

  • From £4.58 per month
  • Provides £1m to £10m cover
  • Optional Employers Liability
Read more

Employers Liability Insurance

Protect your business should employees suffer illness or injury

  • From £4.58 per month
  • Covers up to £10m
  • Can be purchased with Public Liability
Read more
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Why clients often ask about insurance

Many organisations now require consultants and fractional executives to hold specific insurance cover before contracts are signed.

Having the right policies in place can help you:

  • Win larger contracts
  • Meet procurement requirements
  • Build trust with clients
  • Demonstrate professionalism
  • Reduce personal financial exposure

 

Insurance isn't just protection. It's often part of running a credible advisory business.

Frequently Asked Questions

If you're providing strategic advice, managing campaigns, influencing commercial decisions, or working under client contracts, insurance is strongly recommended and may be required by some clients.

Professional indemnity insurance is typically the first policy most Fractional CMOs consider because it helps protect against claims arising from professional advice and services.


The cost of PI insurance will depend on a few factors including:

  • The nature of your services
  • Your company’s annual turnover
  • The amount of cover (limit of indemnity) you need
  • Whether you need to insure past work
  • The jurisdiction governing your services

Yes. Insurance can be arranged to reflect the nature of your consultancy business and the clients you serve.


Why Qdos?
Self-employment is our everything. In fact, we’ve been specialists in the industry since 1988.
 
We’re business insurance and employment status enthusiasts. We get a kick out of simplifying the complex world of compliance so you don’t have to.
4.8/5 Feefo Rating Feefo Platinum Trusted Service Award 2026

Read about what makes us special
All of our policies include the following as standard:
A dedicated Account Manager
We'll never pass you around a call centre
 
Online account for 24/7 access
Manage your policies at a time that suits you
Price Match Promise
If you find an equivalent policy elsewhere, we promise to match the price
Rewards when you refer a friend
Get £30 and give £20 to your friend (in Amazon vouchers)

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Call our team on 0116 269 0999 or we can call you back at a time that suits you!