Business Insurance for Consultants

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What kind of work do you do?
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Recommended business insurance policies for consultants

Whatever your field of expertise, an accident or error in judgment can lead to a devastating lawsuit. Insureon helps consultants secure policies that protect you from legal expenses, medical bills, and other unexpected costs.

General liability insurance icon

General liability insurance

This policy covers basic consulting business risks, such as customer property damage and injuries. Bundle with property insurance for savings in a business owner’s policy.

BEST FOR
  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Professional liability insurance icon

Professional liability insurance

This policy is also called errors and omissions insurance, or E&O. It covers legal expenses if a client sues a consultant over unsatisfactory work, errors, or a disagreement.

BEST FOR
  • Erroneous advice
  • Consulting mistakes and oversights
  • Accusations of negligence
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ comp is required in almost every state for consulting firms that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR
  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Business owner’s policy icon

Business owner’s policy

A business owner’s policy, or BOP, combines general liability insurance with commercial property insurance, typically at a lower rate than if the policies were purchased separately.

BEST FOR
  • Customer injuries
  • Damaged customer property
  • Damaged business property
Fidelity bond icon

Fidelity bonds

Fidelity bonds, also called employee dishonesty bonds, provide reimbursement if one of your employees steals from a client. They are often required by client contracts.

BEST FOR
  • Employee theft or fraud
  • Unlawful data access by an employee
  • Illegal fund transfer by an employee
Cyber liability insurance icon

Cyber liability insurance

This policy helps consultants survive data breaches and cyberattacks by paying for the cost of notifying affected clients, legal expenses, and other related costs.

BEST FOR
  • Data breach lawsuits
  • Notification of affected clients
  • Fraud monitoring costs
Looking for different coverage? See more policies.

How much does consulting insurance cost?

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Several factors will have an impact on insurance costs, including:

  • Consulting services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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