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Human Resources Consultants
Business Insurance for HR Consultants
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Human Resources Consultants
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A client complaint or misguided HR project could lead to a disastrous legal battle. Protect your business with insurance coverage tailored for the unique risks of human resource consulting.
One application, multiple quotes
Insureon helps human resources consultants and HR consulting firms compare insurance quotes from top U.S. providers online. Get several quotes with one application.
What types of insurance do HR consultants need?
These insurance policies cover common risks of human resources consulting.
General liability insurance
This type of insurance covers basic HR consultant risks, such as client property damage and bodily injury. 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
This policy, also called errors and omissions insurance, can help cover legal expenses if an HR consultant is sued for a mistake or accused of professional negligence.
BEST FOR
- HR consulting mistakes and oversights
- Advice that causes financial loss
- Accusations of negligence
Workers’ compensation insurance
Workers’ comp is required in almost every state for HR consulting firms that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Missed wages
- Legal costs
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 business property
- Business interruption incidents
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
This policy helps HR 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.
Why do HR consultants need insurance?
Whether recruiting talent or implementing new policies, HR consultants are in demand as companies across the spectrum seek help in improving employee relations and company culture. But more clients also means more risk for your business. Small business insurance tailored for human resources consultants protects against losses and expenses from injuries, mistakes that lead to financial loss, and other risks.
How much does HR consultant insurance cost?
Several factors will have an impact on insurance costs, including:
- Services offered by your HR consultancy
- Business equipment and property
- Revenue
- Location
- Number of employees
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