Business Insurance for Research Consultants

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Whether you work in biotechnology, environmental, or medical research, a lawsuit over erroneous data could devastate your small business. Research consulting insurance protects against lawsuits, medical bills, and more.

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One application, multiple quotes

Insureon helps research consultants compare insurance quotes from top U.S. providers online. Get several quotes with one application.

What types of insurance do research consultants need?

These policies cover common risks in research consulting firms.

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General liability insurance

This policy covers basic research consultant risks, including client injuries at your office. Bundle with commercial property insurance for savings in a business owner’s policy (BOP).

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
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Professional liability insurance

Professional liability insurance for research consultants, also called errors and omissions insurance (E&O), can help cover legal expenses if a business is sued for unsatisfactory work.

  • Incorrect data
  • Accusations of negligence
  • Research mistakes or oversights
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Workers’ compensation insurance

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

  • Employee medical expenses
  • Missed wages
  • Legal costs
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Business owner’s policy

A BOP combines general liability insurance with commercial property insurance. It's one of the most cost-effective types of commercial insurance for research consultants.

  • Customer bodily injury
  • Customer property damage
  • Business property damage
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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.

  • Employee theft or fraud
  • Unlawful data access by an employee
  • Illegal fund transfer by an employee
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Cyber liability insurance

This insurance coverage helps business consultants pay for costs associated with data breaches and cyberattacks, such as the cost of notifying affected clients.

  • Data breach lawsuits
  • Notification of affected clients
  • Fraud monitoring costs
Looking for different coverage? See more policies.

Why do research consultants need business insurance?

Whether you work in pharmaceuticals, the energy industry, or sports, it’s likely that your research directly impacts corporate decision-making. That’s a big liability if something goes wrong. Insurance for research consultants can cover expenses related to inaccurate research data, missed deadlines, client and employee injuries, and other risks.

How much does research consultant insurance cost?

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Several factors will have an impact on insurance pricing, including:

  • Research consulting services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
  • Policy limits and deductibles
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