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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 decisions. That’s a big liability if something goes wrong. Insurance for research consultants can cover expenses if you’re sued over a data error, missed deadline, or an injury in your office. Some policies, like workers’ comp, are required by law.
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Research consultants can save money on insurance by comparing quotes from top providers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.
What types of insurance do research consultants need?
These insurance policies cover common risks of research consulting.
Professional liability insurance
This insurance covers court costs and other legal expenses if a research consultant is sued over the quality of their consulting services. It’s also called errors and omissions insurance (E&O).
BEST FOR
- Advice that caused a financial loss
- Professional negligence
- Research mistakes or oversights
General liability insurance
A general liability policy covers basic third-party risks, such as a client who trips and suffers an injury in a research consultant’s office. It’s often required for a commercial lease.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel and other advertising injuries
Business owner’s policy
A business owner’s policy, or BOP, is a cost-effective way for research consultants to buy general liability coverage and commercial property insurance together.
BEST FOR
- Customer bodily injuries
- Damaged customer property
- Business property damage and theft
Workers’ compensation insurance
Most states require workers’ comp for research consulting businesses that have employees. It also protects sole proprietors from work-related medical bills that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Cyber insurance
This insurance coverage helps research consulting firms recover from data breaches and cyberattacks. It’s strongly recommended for any business that handles sensitive data.
BEST FOR
- Data breach lawsuits
- Notification of affected clients
- Fraud monitoring costs
Commercial auto insurance
Commercial auto insurance covers costs if a research consultant's vehicle is involved in an accident. Most states require this coverage for vehicles owned by a business.
BEST FOR
- Property damage caused by your vehicle
- Auto accident injuries
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does research consultant insurance cost?
A small business with a few consultants will pay less for insurance than a larger company.
Factors that affect premiums include:
- Consulting services offered
- Business property and equipment
- Business income
- Types of coverage purchased
- Policy limits and deductibles
How do I get research consultant business insurance?
It's easy to get research consultant business insurance and fidelity bonds 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:
- Complete a free online application
- Compare insurance quotes and choose policies
- 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 for your consulting firm, whether you work independently or hire employees.
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