Consultant Insurance
Secure your consulting career with peace of mind! Safeguard your consultant practice with flexible and affordable insurance coverage, starting at only $229/year.
Affordable, Fast, and Comprehensive
Our Business Consultant Insurance Coverage Is Designed To Meet Your Unique Needs
Customizable Policies
Get only the coverage you need, and save money by not paying for coverage you don't need.
Instant COI
Get a certificate of insurance instantly to book clients faster and increase your revenue.
Simplified Coverage
Streamline your insurance coverage and reduce paperwork by covering multiple services under one policy.
Who Needs Consultant Insurance?
We cover a wide variety of consulting businesses, including:
- Business Consulting
- Education Consulting
- Human Resources Consulting
- IT Consulting
- Management Consulting
- Marketing Consulting
- Public Relations Consulting
What Is Consultants Insurance?
Consultant insurance is designed to protect you from potential claims. Providing professional advice and services could result in financial losses for clients. Insurance for consultants helps cover potential lawsuits, errors, negligence claims, and other liabilities.
How Much is Consultant Insurance?
Consultant insurance starts at $229 per year or $21 per month. The cost can vary depending on your business’s gross income, selected coverages, and coverage limits.
We keep our polices affordable through:
- US-based, licensed agents who don’t make a commission on helping you.
- Free unlimited additional insureds.
- A 100% online purchasing process.
To learn more about customizing your insurance as a business consultant, you can review the information provided here.
Is Professional Liability Insurance for Consultants Necessary?
If you answer yes to any of these questions then you need professional liability insurance.
- Do you charge a fee to provide specialized expertise, services, or opinions?
- Do you provide technology services?
- Do you have any clients that require you to be insured?
- Do you support clients administratively?
As a consultant, you are vulnerable to several different types of claims and it is important to protect your business from the financial strain of expensive claims. While some claims may not be too expensive, it is more common to experience claims that cost several thousand dollars. You don’t need to worry about that! That is what insurance for consultants is for.
What’s Covered in Consultant Insurance?
We recommend consultants include several different coverages on their professional liability insurance for consultants’ policy. Our recommended coverages include:
General Liability Coverage
Professional Liability Coverage
Professional liability coverage protects from the cost of claims that stem from your business operations. A common claim could include a client suing you over misinformation or faulty professional advice.
Errors and Omission Coverage
Errors and omission (E&O) coverage protects from the financial stress of claims that stem from misinformation or faulty business practices. Errors and omissions insurance can also protect you from claims that stem from your business practices.
Cyber Liability Coverage
Cyber liability coverage protects your consulting business in the event of a cyber security attack. If you store client information online, you are susceptible to cybersecurity breaches. We highly recommend adding this coverage to your policy.
Tools and Equipment Coverage
Tools and equipment coverage provides a financial buffer in case your business equipment is stolen or damaged. Tools and equipment coverage can help repair or replace damaged or stolen equipment.
Coverage Limits for Consultant Insurance
Consultant insurance offers various coverage options with specific limits, including:
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$3,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are manufactured, sold, or distributed.
$1,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
– False Arrest, detention or imprisonment
– Malicious prosecution
– Wrongful Eviction or Wrongful Entry
– Oral or written publications that slander or libels a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$1,000,000
The most we will pay for property damage to any one premises, while rented to you, or in the case of damage by fire, while rented to you or temporarily occupied by you with permission of the owner.
$300,000
Medical Expense (Any one person)
$5,000
Additional Limits
Inland marine insurance covers tangible property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are part of the structure. Note: a $250 deductible applies to this coverage.
$4,000
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Insurance For Consultants
Insurance Canopy provides A+ Rated, efficient, and protective professional liability insurance for consulting businesses.
Online Purchase Process
Our consultant insurance can be purchased 100% online with or without help from one of our US-based agents. The entire process takes 10 minutes or less.
Personalized Policies
Not all consultants have the same needs for insurance so we provide increased limits and additional coverages through our personalized policies.
Affordable Prices
Enjoy a consulting business insurance cost that fits your budget. Our licensed agents don’t make commissions, making your policy payments cheaper.
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Frequently Asked Questions About Consultant Insurance
Answers to Common Questions about Consultant Insurance
What Does Consulting Insurance Cover?
Consulting insurance covers negligence claims, copyright infringement, third-party bodily injury, and equipment damage or theft. It is important to protect yourself from the cost of these claims as they could cost thousands of dollars in out-of-pocket costs. General liability insurance for consultants can provide a financial buffer and save you from financial ruin.
Do You Cover IT Consultants' Insurance?
Yes. Liability insurance for IT consultants protect from the costly financial effects of claims. IT consultant insurance coverages can include general liability and professional liability.
What Kind Of Consultants Need Professional Liability Insurance?
All kinds of consultant niches need professional liability insurance. While it may be a requirement, it is also a good idea. No one wants to pay out-of-pocket for claims. If you offer services/professional information for a fee then you need consultants’ insurance. Whether you are consulting on IT, marketing, finances, etc.
Why Is Insurance Canopy The Best Professional Liability Insurance For Consultants?
We provide consultants with affordable, personal, and robust insurance that consultants can be confident in. With 24/7 access to policy documents and certificates of insurance, you can rest easy knowing exactly what is on your policy and if you need to change anything. Our agents are US-based, licensed, and do not make a commission off helping you. They are a great resource for all your insurance needs. You can expect a personalized experience with Insurance Canopy.
How Do I Protect Myself As A Consultant?
With any business there is risk involved, and that risk can be lowered when you insure your business with consultant insurance. Insurance for consultants provides a series of coverages designed to mitigate or in some cases, eliminate the out-of-pocket expenses that claims can often bring.
Need additional information before making a decision?
Give our team a call today at 844.520.6993
Get a Quote for Your Consultant Insurance with Insurance Canopy
Annual Policy: Starting at $21.08 per month – Your business involves working closely with people; let us help you have peace of mind with protection for your small business. We understand the most common claims your business will face and we want to help you be protected. Let us be your professional resource to help your business thrive.
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