HR Consultant Insurance

Human Resources Consulting
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Why do HR consultants need insurance?

HR consultants are in demand as companies focus on improving employee relations and company culture. However, an unresolved conflict or failure to comply with employment regulations could lead to a lawsuit. Small business insurance tailored for human resources consultants protects against legal costs and other financial losses.

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Get same-day insurance

With Insureon, human resources consultants can get insured the same day they apply for quotes.

Fill out our easy online application to compare quotes from top providers.

What types of insurance do HR consultants need?

These insurance policies cover the most common risks of HR consulting.

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Professional liability insurance

This insurance covers legal expenses if an HR consultant is sued for a mistake or oversight, such as failure to comply with employment regulations. It’s also called errors and omissions insurance (E&O).

  • Consulting errors and oversights
  • Advice that caused financial loss
  • Professional negligence
General liability insurance icon

General liability insurance

A general liability policy covers basic third-party risks, such as a client who trips and suffers an injury in your office. 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, typically at a lower rate than if the policies were purchased separately.

  • Customer injuries
  • Business property damage and theft
  • Business interruption incidents
Workers’ compensation insurance icon

Workers’ compensation insurance

State laws require workers’ comp for HR consulting firms that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Medical expenses for work injuries
  • Employee benefits for disabilities
  • Employee injury lawsuits
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Cyber insurance

This policy helps human resource professionals survive data breaches and cyberattacks. It’s strongly recommended for any business that handles Social Security numbers or other sensitive data.

  • Data breach lawsuits
  • Notification of affected clients
  • Fraud monitoring costs
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Commercial auto insurance

Commercial auto insurance covers costs if an HR 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 HR consultant insurance cost?

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:

  • Services offered by your HR consultancy
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
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How do I get HR consultant insurance?

It's easy to get business insurance as an HR consultant or recruiter 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 and fidelity bonds for your HR consulting firm, whether you work independently or hire employees.

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