Business Insurance for Agricultural Consultants

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.

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).

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.

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.

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.

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.