Business Insurance for HR Consultants

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Save money by comparing HR consultant insurance quotes

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.

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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’ compensation insurance is required in almost every state for HR consulting firms that have employees. It can cover medical bills for work-related injuries.

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?

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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

View Costs

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