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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 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, reviewing budgets, influencing revenue targets, and often accessing sensitive company information.

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

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As the fractional leadership market continues to grow, so does the need for specialist support. Our objective is to educate, support and protect this growing community of self-employed professionals, so they can operate with confidence.

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Business insurance can help protect you against:

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

 

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


Insurance cover commonly chosen by Fractional CMOs

Professional Indemnity Insurance

Protect your business against allegations of negligence

  • From £10.62 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

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)

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.


Legal Protection Insurance

Legal Protection Insurance covers the cost of defending or pursuing legal disputes and provides expert representation for HMRC tax enquiries. It protects self-employed professionals against unexpected legal costs, tax investigations, and even loss of income if you or your employees are called up to jury service.

Income Protection Insurance 

Income Protection is an accident and sickness insurance for the self-employed. It means that you aren’t left out of pocket if you suffer a disease, sickness, or bodily injury which prevents you from working.

Professional Indemnity insurance starts from £10.62

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. Cover is available for consultancy businesses regardless of the number of clients they serve.

Trusted by thousands of businesses across the UK

With more than 4,000 five-star reviews, our customers consistently rate us highly for service, support and value.


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