HR Consultant Insurance
- Cover human resources (HR) consulting risks with tailored liability insurance
- Satisfy client contract requirements affordably and easily
- Start projects fast with an instant Certificate of Insurance
4.7/5 on
Consultants can pay up to $500,000 defending professional liability claims without insurance.
We can help.
No sales pressure involved.
Why Do HR Consultants Need Insurance?
Your expert advice on hiring, compliance, and workplace policies can turn a company’s chaotic culture into a harmonized haven — but what about when things don’t go as planned? HR consultants (aka human resources consultants) need insurance to protect themselves from potential professional pitfalls, from negligent advice to cyber breaches.
If your counsel results in a wrongful termination lawsuit
Professional liability coverage can assist with your defense expenses.
If your advice backfires, leading to hefty fines
Professional liability insurance saves you from covering financial losses out-of-pocket.
If someone slips on a loose rug in your office, causing injury
General liability covers the cost of third-party injury that could occur on the job.
If your laptop is stolen and client data exposed
Cyber liability insurance can assist with notification and recovery costs.
How Much Does Insurance for HR Consultants Cost?
We know insurance is a necessity, not a luxury, so we offer some of the most competitive rates in the industry. The cost of HR consultant insurance starts at just $21 per month. It’s ultimately determined by the specifics of your practice, including the types of coverage you want and gross sales.
Save up to 14% on premium costs by purchasing an annual policy for continuous, top-notch protection.
Recommended Insurance Coverage for HR Consultants
You give carefully considered advice, so here’s some from us. Here are our insurance recommendations to meet most contract requirements:
Included
Professional Liability Coverage
A professional liability policy for HR consultants (also known as errors and omissions (E&O) coverage or professional indemnity insurance) covers the cost of claims related to work performance, such as missteps in advice or missing a deadline.
This coverage allows you to provide your expert advice with confidence and ensures that you’re protected in the event of accidental professional errors, allegations of negligence, or failure to deliver services.
We protect you when
- You’re hired to restructure a company’s employee pay but neglect to consider overtime laws, the company is sued for underpaying employees, and you’re held liable for damages
- You’re sued after your direction leads to incomplete or non-compliant anti-discrimination and harassment policies, prompting a workplace investigation
- You fail to file an Equal Employment Opportunity Commission (EEOC) report on time, leading to fines for the company, and they hold you accountable
Best for
- Consulting mistakes and omissions
- Guidance that leads to financial loss
- Professional negligence claims
General Liability Coverage
General liability coverage addresses daily human resources consulting risks, such as third-party property damage and bodily injury. It can cover legal expenses related to customer property damage or injury and may be required to secure a company contract.
We protect you when
- A client trips over a loose rug in your office and sustains minor injuries that require medical attention
- You spill coffee on a client’s laptop during an on-site HR training session, rendering it out of commission
- You host a networking event for HR professionals, and a guest slips on a wet floor and breaks their wrist
Best for
- Medical expenses
- Client property damage
- Libel/slander claims
- Advertising mistakes
Additional Insureds
Additional insured coverage extends the protection of your HR consultant insurance to qualified third parties. These are individuals or organizations that might be held liable for claims tied to your services, such as a corporate entity, client, or office landlord.
Without this coverage, they could experience financial losses because of your work. Some clients may even require this coverage prior to signing a contract, as it protects both parties from unexpected financial burdens and fosters a positive working relationship.
We protect you when
- A corporate client hires you to revamp their HR policies and requires you to add them as an additional insured
- You rent office space for your HR consulting business, and the landlord asks to be an additional insured to cover any accidental property damage or injuries that may occur on the premises
- You organize an HR compliance training at a hotel conference room, and the venue requires additional insured status in case a participant gets injured
Best for
- Office space renters
- Meeting requirements of offsite convention or workshop venues
- Fulfilling contract requirements of corporate clients
Add-Ons
Cyber Liability Coverage
Cyber liability insurance supports human resources consultants in the event of a cyberattack, malware, ransomware, or data breach. It can cover recovery expenses, legal fees, client notification costs, and more. If you use a work computer to store sensitive company or employee data, this coverage is for you.
We protect you when
- A ransomware attack encrypts employee records and demands payment for access
- A hacker breaches your firm’s database and exposes sensitive client information
- Malware corrupts your firm’s systems, corrupting financial data and key files
Best for
- Data breaches involving client financial and personal information
- Cyberattacks disrupting daily operations
- Ransomware incidents affecting data and systems
- Theft of sensitive client data
Fidelity Bonds
Fidelity bonds compensate your client if one of your employees steals from them.
If an employee engages in dishonest or criminal acts against a client — such as theft, embezzlement, or forgery — your company could face liability, leading to considerable financial losses. Clients might even require your business to have this coverage before hiring you.
We protect your clients when
- An employee at your agency who processes payroll for a client diverts client funds to their account; fidelity bond repay your client for stolen amount
- An employee secretly adds fake employees to collect extra paychecks; the fidelity bond reimburses your client
- An employee steals client laptops during an HR audit; the bond helps cover your client’s replacement costs
Best for
- Contracts requiring a bond
- HR consulting agencies with employees
Tools and Equipment Coverage (Inland Marine)
Tools and equipment insurance protects the essential gear you rely on daily — items like your laptop, servers, printers, and the specialized software you use to manage client information and perform tasks.
Imagine if your laptop, filled with sensitive third-party data, were stolen. Replacing it would be expensive, but the impact on your business could be significant. Securing this coverage means you wouldn’t have to worry about those hefty costs or the potential chaos that might ensue.
We protect you when
- Your work laptop is stolen during a business trip
- A fire breaks out in your office, damaging essential documents
- Your printer is dropped while moving offices
Best for
- Protecting important documents
- Providing uninterrupted service
Workers Compensation Coverage (Coming Soon!)
Workers compensation protects your team in the event of work-related injuries or illness. It ensures that your employees receive financial support for medical bills and lost wages, which drives more trust in your company. In many cases, it is also required by state law.
We protect you when
- An employee suffers a back injury from lifting heavy client files in the office, requiring time off and rehabilitation
- Your employee is injured in a car accident when traveling to and from a client’s location
- An employee develops carpal tunnel syndrome from excessive typing during the workday and needs medical care
Best for
- Consulting firms with two or more employees
Have a unique situation you’re afraid won’t be covered? Chat with us about the specifics. We’ll see what we can do!
Coverage Limits for HR Consultant Insurance
General & Professional Liability
$2,000,000
Products & Completed Operations Aggregate
$1,000,000
Personal & Advertising Injury
Included
General & Professional Liability Each Occurrence
$1,000,000
Damage to Premises Rented to You
$300,000
Medical Expense (Any one person)
$5,000
Additional Limits
Inland Marine / Business Personal Property
$4,000
Have questions?
Insurance Canopy’s licensed, non-commissioned agents are here to help you get the HR consultant liability insurance best suited to your needs.
Monday to Friday, 8 am – 8 pm EST
se habla español
Why HR Consultants Choose Insurance Canopy
Insurance Canopy provides the coverage you need — with a human touch. Human resource consultants nationwide choose us for unmatched personalization and reliable protection.
Affordable and Transparent Policies
Our policies are clear and straightforward, with no hidden surprises — just reliable protection for your consulting business.
Tailored for Small Businesses Like You
We’re aware of the unique risks consultants face. Our coverage is designed to protect your career and support your business as it grows.
100% Online Backed by US-Based Support
Manage everything online with ease and confidence, knowing that personalized support is here from our team if you need it. We’re happy to assist you every step of the way.
135,000+ Small Businesses Trust Insurance Canopy
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Thank you so much
Steve Monreal
July 11, 2025I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
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July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
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Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
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June 18, 2025Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
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May 18, 2025 -
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May 18, 2025 -
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May 18, 2025I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More
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April 18, 2025 -
Affordable. Thank you.
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March 18, 2025 -
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January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
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January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
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January 6, 2025
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Thank you so much
Steve Monreal
July 11, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025
Questions About HR Consultant Insurance
Do I need HR consultant insurance if I work part-time or have only a few clients?
Yes, no matter how much you work, HR consultant insurance remains essential because of risks like negligent advice, data breaches, damage to client property, and defamation claims. A single mistake — like a payroll error, providing wrongful termination advice, or losing confidential data — can result in costly legal action.
Professional liability and general liability insurance safeguard your business and personal finances, ensuring that one claim doesn’t erase your earnings. Even minimal coverage offers peace of mind and enhances credibility with clients.
Is my HR consultant insurance policy effective immediately?
Yes — your insurance policy can be immediately active upon purchase. You’ll get instant coverage confirmation and your Certificate of Insurance (COI) also known as an ACORD COI, as soon as you complete the online application and make the payment.
You’ll even get a badge for your website — so both prospects and clients know you’re insured with the best consulting insurance out there!
What if I stop consulting — can I pause or cancel my policy?
If you’d like a break from your policy, you can cancel your HR consulting insurance with Insurance Canopy at any time through your policy dashboard. You will need to reapply to resume your coverage.
If you need assistance, please contact our customer service team, who will guide you through the cancellation process.
How can I prove to clients that I’m insured?
You can prove to clients that you’re insured by providing your Certificate of Insurance (COI), which outlines your coverage details, policy limits, and active dates. With Insurance Canopy, your COI is available immediately after purchase and is always accessible via your online dashboard.
Clients may request this document before signing contracts, especially for liability protection. Or if a client requires additional insured status, you can add them to your policy and download an updated COI right from your dashboard to show clients proof of insurance.
How do I file a claim?
Filing claims with Insurance Canopy is easy! Here’s the fastest route to success:
- Log in to your dashboard
- Find “Manage Policies”
- Click on “File a Claim” and share your info
You’re also welcome to initiate the claims process by contacting our customer care team for assistance. Once initiated, a claims adjuster will get in touch to assist you. They’ll be with you every step of the way to ensure the claims process goes smoothly.
How do I renew my HR consultant insurance policy?
Your policy automatically renews at the end of your policy term to ensure you have continuous coverage. We’ll send you an email reminder beforehand, so you’ll always know when to expect a billing charge. If you need to make any changes or adjustments to your policy, our support team is here to help!
Consult with Confidence — We’ve Got the Coverage
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