Consultants Insurance
- Cover your consulting risks with tailored liability insurance
- Satisfy client contract requirements affordably and easily
- Get your Certificate of Insurance (COI) instantly to start projects fast
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Consultants can pay up to $500,000 defending professional liability claims without insurance.
We can help.
No sales pressure involved.
Tailored To Your Profession
Whether you’re an independent consultant working from home or a consultant business owner working in an office, we’ve got you covered.
Why Do Consultants Need Insurance?
Consultant liability insurance protects against financial loss from professional errors and client disputes. It safeguards you and your business from the industry’s most frequent claims. It also fosters growth, as many clients require proof of insurance before contracting — making it essential for business longevity.
If your advice leads to unexpected financial loss for a client
Legal defense costs are covered through professional liability insurance.
If a client slips and falls during a meeting in your office
General liability coverage pays for medical expenses for third-party injuries or property damage.
If your computer is hacked, exposing client data
Cyber liability insurance assists you with recovery expenses.
If your laptop and cup of coffee collide
We replace ruined equipment via Tools and Equipment coverage.
How Much Does Consultant Liability Insurance Cost?
Insurance Canopy offers one of the most competitive rates in the industry, starting at just $21 a month. Final premium costs depend on the specifics, such as the types of coverage needed, the size of your practice, its claims history, and coverage limits.
To determine the cost for your business, just answer a few quick questions through our 100% online application. To discover just how low your monthly premium can be, purchase an annual policy to save anywhere from 12% to 14% on your premium cost.
What Does Business Insurance for Consultants Include?
Our liability insurance for consultants includes professional and general liability and unlimited additional insureds for no extra cost. We also recommend additional coverage to cover all your bases.
Included
Professional Liability Coverage
Also called errors and omissions, E&O, or professional indemnity insurance, a consultant professional liability policy covers legal expenses related to work performance. A missed deadline, misplaced advice, or negligence claims could all result in a client suit, for example.
Securing this coverage allows you to breathe freely while offering your expert advice, knowing you’re covered in the case of accidental professional errors and failure to provide services.
We protect you when
- A planning error leads a client to invest in a strategy that results in financial loss
- Misinterpretation of market data leads to misguided recommendations
- An oversight in project management delays a client’s timeline
Best for
- Missteps in advice
- Errors in market analysis that lead to client financial loss
- Failure to anticipate or mitigate risk
General Liability Coverage
General liability coverage provides essential protection for common claims related to third-party property damage and bodily injury. This blanket coverage extends to situations involving client property damage, damage to a venue, or legal expenses related to injury claims.
Most consultants don’t often work in high-risk environments, but unexpected accidents — like accidentally damaging a client’s equipment — can lead to costly lawsuits. This coverage demonstrates professionalism and a commitment to your client’s interests, and may even be required when signing a commercial lease.
We protect you when
- A client trips over a loose rug in your office, sustains minor injuries, and needs medical care
- While setting up at a company event, your consulting team accidentally damages the venue’s flooring
- You accidentally spill coffee on a client’s laptop
Best for
- Medical expenses
- Client property damage
- Slander, libel, or advertising mistakes
Additional Insureds
Additional insured coverage extends the protections of your policy to third parties who could be held liable for claims related to your consulting business’ operations (like a landlord or event organizer). They could face significant financial risk and legal costs if they are sued because of something arising from your work, straining professional relationships and leading to costly disputes.
We protect you when
- An event organizer requires you to list them as an additional insured before allowing you to speak at a conference
- If you partner with another consulting firm on a large project, coverage for your mistakes can be extended when the firm is added as an additional insured
- A client gets injured at your office and names both you and your building’s property manager in a lawsuit
Best for
- Office space renters
- Off-site workshops
- Client home/site visits
Add-Ons
Cyber Liability Coverage
Cyber liability coverage helps consultants survive data breaches and cyberattacks. It can pay for recovery expenses, client notification costs, and more. If your consulting firm transmits client data, accepts online payments, or is tasked with storing and protecting sensitive information digitally, you may benefit from this coverage.
We protect you when
- A ransomware attack encrypts your firm’s client records, demanding payment for access
- A hacker breaches your firm’s database and exposes sensitive client information
- Malware corrupts your firm’s systems, corrupting 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 provide financial compensation in cases where your employee steals from a client. If an employee engages in criminal acts against a client — such as theft, embezzlement, or forgery — your company could face liability, leading to considerable financial losses. Clients might require your business to have this coverage before hiring you.
We protect you when
- You authorize a team member to process a client’s electronic funds transfer, and they divert the money into their own account
- You send an employee to improve a client’s inventory system, and they steal valuable equipment like laptops or tablets.
Best for
- Contracts requiring a bond
- Businesses seeking to establish trust with their clients
Tools and Equipment Coverage
Tools and equipment insurance (sometimes called Inland Marine or Business Personal Property) is all about protecting the essential gear you rely on daily as a consultant. That includes equipment like your laptop, servers, printers, and the specialized software you use to manage client information and perform analyses.
Imagine if your laptop, packed with sensitive client data, got stolen. Not only would replacing it be costly, but the impact on your business could be huge. Securing this coverage means you wouldn’t have to worry about those hefty costs or the potential chaos that could follow.
We protect you when
- Your work laptop is stolen during a business trip
- A fire breaks out in your office, damaging essential documents
- A printer is dropped while moving offices
Best for
- Protecting important documents
- Repairing or replacing important business equipment that gets damaged or stolen
Workers Compensation Coverage
Workers compensation provides vital protection for your employees in the event of work-related injuries or illness. Your staff may not always work in high-risk environments, but the nature of their roles — frequent travel, on-site client visits, and handling diverse tasks — can expose them to unexpected hazards. In some states, it’s also legally required.
We protect you when
- Your employee suffers a back injury from lifting heavy client files in the office
- Your employee is injured in a car accident when traveling to and from a client’s location
- Your employee develops carpal tunnel syndrome from excessive typing during the workday
Best for
- Consulting firms with employees
Not sure if your business qualifies? Reach out to us and we’ll help you determine if we’re the perfect match for your needs.
Coverage Limits for Business 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?
Our licensed, non-commissioned agents are available to address any questions or concerns. We’re happy to help!
Monday to Friday, 8 am – 8 pm EST
se habla español
Why Consultants Love Insurance Canopy
For consultant insurance you can trust, look no further than Insurance Canopy.
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 reputation and support your business as it grows.
100% Online With Human Expert Support
Manage everything online with ease, knowing personalized 1:1 support is available when you need it. We’re here to assist you every step of the way.
135,000+ Small Businesses Trust Insurance Canopy
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TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
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.
Tony Felix
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
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025Great and affordable insurance
Peter DAntoni
December 6, 2024Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024 -
I’m just saying that is easy to get the vendors insurance with this company
Silvia Delgado
November 6, 2024Definitely a great asset to my business, I have never had a problem getting what I need from IC. Good communication skills, always get help from the agents, attenuative on... Read More
Robert Avila
November 6, 2024Your site was extremely easy to use, I was able to get my event insured for what the event planners wanted. The price was so affordable. Even chatting... Read More
Rebecca Ruby
November 6, 2024 -
Quick easy sign-up convince is great
Vincent Davanzo
November 6, 2024Great to work with. Always available for assistance.
Two Pour Girls Bartending
November 6, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith Jr
October 7, 2024Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024 -
Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024She is positive and friendly !
Alan Dynin
September 14, 2024 -
Had a great experience obtaining a policy quickly for a solo musical act. After a year, modified my policy to a fully staffed production easily using the chat feature of... Read More
Paul Tolle
September 6, 2024I am a professional mobile DJ. I use Insurance Canopy for a policy to cover my equipment and liability. They are easy to do business and the website makes... Read More
Don Kirby
September 6, 2024Best price I have found! Excited to be a customer
Dustin Price
September 6, 2024
-
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025 -
Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025 -
As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
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.
Tony Felix
January 23, 2025 -
Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025 -
I’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
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025 -
I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025 -
Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025
Questions You’ve Asked Us About Consultant Insurance
Is my consultant insurance policy effective immediately?
Yes! Your insurance policy can be active right after you purchase it. You’ll receive a quick confirmation of your coverage and your Certificate of Insurance (COI) as soon as you finish the online application and complete the payment. Plus, you’ll get a badge for your website, letting both prospects and clients see that you’re covered with top-notch consulting insurance!
Can I cancel my consultant coverage at any time?
You can cancel your consulting insurance with Insurance Canopy at any time. If you submit a claim after cancellation, coverage will only apply if your policy was active at the time of the incident.
Understanding that life can bring unforeseen changes, just contact our customer service team, who will assist you with the cancellation process. Make sure to check your policy terms for any cancellation fees or refund eligibility to ensure a seamless transition.
How do I file a claim?
Submitting claims through Insurance Canopy is straightforward! Here’s the quickest way to get started:
- Log in to your dashboard.
- Navigate to “Manage Policies.”
- Select “File a Claim” and enter your details.
After you submit, a claims adjuster will contact you to help throughout the process and ensure everything runs smoothly. Our support team is available whenever you need assistance. If you have any questions, don’t hesitate to contact us.
How do I renew my consultant insurance policy?
Your policy will renew automatically at the end of its term, guaranteeing continuous coverage. We will send you an email reminder ahead of the renewal date, keeping you informed about upcoming billing charges. Should you need to modify or adjust your policy, our support team is here to help!
Consult with Confidence — We’ve Got the Coverage
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