Agricultural Consultant Insurance

Agricultural Consulting
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Why do agricultural consultants need business insurance?

Your data collection and analysis help farmers and landowners maximize yield and protect resources, but with your advice comes liability. Agricultural consultant insurance can help pay for data breaches, injuries at your office or in the field, and legal costs from a crop failure or other loss.

Agricultural consultant providing advice about client's crops.
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Find the right coverage

Insureon helps agricultural consultants find insurance that matches your unique risks.

Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.

What types of insurance do agricultural consultants need?

These insurance policies cover common risks in agribusiness consulting.

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Professional liability insurance

This policy helps cover legal expenses from professional errors and oversights, such as advice from a crop consultant that leads to a loss. It's also called errors and omissions insurance (E&O).

  • Accusations of negligence
  • Agricultural advice that caused a loss
  • Work mistakes or oversights
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General liability insurance

A general liability policy covers basic third-party risks, such as a farm consultant accidentally damaging a fence or other client property. It's often required for a commercial lease.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel, slander, and copyright lawsuits
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Business owner’s policy

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

  • Customer bodily injuries
  • Damaged customer property
  • Business property damage and theft
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Workers’ compensation insurance

Most states require workers’ comp for agricultural consulting businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Lawsuits over employee injuries
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Cyber insurance

This policy helps agricultural consultants survive data breaches and cyberattacks. It's strongly recommended for any business that handles credit card numbers or other sensitive data.

  • Data breach notification costs
  • Fraud monitoring services
  • Data breach investigations
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Commercial auto insurance

Commercial auto insurance covers costs if an agricultural consultant's vehicle is involved in an accident. Most states require this coverage for vehicles owned by a business.

  • Property damage caused by your vehicle
  • Auto accident injuries
  • Vehicle theft and vandalism
Looking for different coverage? See more policies.

How much does business insurance cost for consultants?

Consultant calculating insurance costs for their business.

A small business with a few consultants will pay less for insurance than a larger company.

Factors that affect premiums include:

  • Consulting services offered
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
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How do I get agricultural consultant business insurance?

It's easy to get agricultural consultant business insurance and fidelity bonds if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your agricultural consulting firm, whether you work independently or hire employees.

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