Lactation Consultant Insurance
- Cover your consulting risks with tailored liability insurance
- Satisfy client contract requirements affordably and easily
- Gain client trust with an instant Certificate of Insurance
4.7/5 on
“Lactation consultant saved $1.5M by having insurance after getting sued.”
Get covered before claims happen.
We can help.
Why Do Lactation Consultants Need Insurance?
Lactation consultants play a vital role in supporting new mothers and their infants with guidance and expertise during a crucial period of bonding and development. However, like any professional, you face potential risks and liabilities in your practice — even when taking the utmost care.
If misgiven advice leads to complications
Professional liability coverage can protect your reputation by covering court costs.
If a hands-on demonstration accidentally leads to harm
General liability can cover the medical bill if a client is injured on the clock.
If a client’s personal health info is unintentionally shared
Whether it’s lost documents or a data leak, cyber liability can help make things right.
If a pricey breast pump stops working
Tools and equipment coverage replaces damaged or stolen equipment.
How Much Does Lactation Consultant Insurance Cost?
Insurance is a necessity, not a luxury, so we provide some of the most competitive rates in the industry. The cost of lactation consultant insurance begins at just $21 per month, depending on the specifics of your practice, like the types of coverage you choose and your gross sales.
Save up to 14% on premium costs by opting for an annual policy for continuous, high-quality protection.
Recommended Insurance Coverage for Lactation Consultants
You handle everything with care, and we strive to do the same. Here are our insurance recommendations to meet most contract requirements:
Included
Professional Liability Coverage
Professional liability insurance for lactation consultants (also known as errors and omissions (E&O) coverage or malpractice insurance) covers legal expenses related to work performance, such as missteps in advice or missing a deadline. It protects you in the event of accidental professional errors, allegations of negligence, and failure to deliver services, allowing you to confidently provide expert advice.
We protect you when
- A mother follows your latch advice, develops mastitis that requires medical treatment, and sues for improper guidance
- You assure a mother her baby is feeding well, but the infant later suffers failure to thrive and the parents sue for negligent advice
- You recommend a galactagogue supplement to boost milk supply, but the mother has a severe allergic reaction and needs medical care
- A client claims their medical history was shared without consent, violating HIPAA law
Best for
- Consulting mistakes and omissions
- Guidance that leads to unintended harm
- Professional negligence claims
General Liability Coverage
General liability coverage addresses routine lactation 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 enter a client contract.
We protect you when
- A mother visiting for a consultation slips on a wet floor and injures herself, suing for medical expenses
- A baby is injured during a breastfeeding demonstration
- You accidentally knock over and break an expensive lamp while adjusting a nursing pillow, and the client demands reimbursement
- A mother attending your lactation support group trips over a chair and breaks her wrist
Best for
- Medical expenses
- Client property damage
- Advertising mistakes
- Libel or slander claims
Additional Insureds
Additional insured coverage extends the protection of your lactation consulting policy to qualified third parties. These can be individuals or organizations that might be held liable for claims tied to your services or practice, such as hospitals, clinics, wellness centers, or landlords.
Without this coverage, they could experience liability due to your work. Some clients may even require this coverage before signing a contract, as it protects both parties from unexpected financial burdens and fosters a positive working relationship.
We protect you when
- A hospital hires you as an on-call lactation consultant and requires additional insured status
- A midwife refers clients to your practice and requests additional insured status in case a client sues over negligent advice
- A landlord asks to be added as an additional insured when you rent out an office space to cover potential on-site injuries
- You rent a space to host a breastfeeding class and the venue requires additional insured status
Best for
- Hospital or wellness center contracts
- Office space renters
- Off-site classes and workshops
Add-Ons
Cyber Liability Coverage
Cyber liability insurance supports lactation consultants in the event of a cyberattack, malware, or data breach. It can cover recovery expenses, legal fees, client notification costs, and more. If you store or send information online, or your devices are internet-connected, this coverage is for you.
We protect you when
- A hacker breaches your client intake forms and you become liable for privacy violations
- You accidentally email a client’s health details to the wrong recipient, leading to HIPAA fines
- A cyberattack locks you out of your appointment booking and billing system, demanding a ransom payment to restore your access
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 protect your clients if one of your employees steals from them.
Should an employee engage in dishonest or criminal behavior against a client — including theft, embezzlement, or forgery — your company could be held liable, leading to considerable financial setbacks. In fact, clients might insist on this coverage prior to hiring your business.
We protect you when
- Your consulting assistant misuses credit card details from a client’s file, leading to fraud charges — the fidelity bond reimburses the client for their losses
- An employee steals medical supplies or patient belongings from a healthcare facility where they’re consulting
- An employee managing billing secretly transfers client funds to their own account
Best for
- Contracts requiring a bond
- Lactation consultants with employees
Tools and Equipment Coverage (Inland Marine)
Tools and equipment insurance (also called “Inland Marine”) protects essential transportable gear you rely on daily. Items like your laptop, smartphone, breast pumps, digital scales, feeding tubes, nipple shields, and sanitization supplies are staples of your practice bag — and are necessary to perform your job.
If any of these items are lost, stolen, or damaged, the effect on your business could be substantial. Getting this coverage means you won’t have to worry about the out-of-pocket expenses or work disruptions that could follow.
We protect you when
- You drop your practice bag, breaking a pricey breast pump — coverage pays for a replacement
- A digital scale left at a hospital site goes missing
- Your laptop, used to book clients, is ruined by a virus
Best for
- Protecting your daily toolkit
- Providing uninterrupted service
Workers Compensation Coverage
Workers compensation protects your team in the event of work-related injuries or illnesses. It ensures that your employees receive financial support for medical expenses and lost wages, fostering greater trust in your company. In many instances, it is also mandated by state law.
We protect you when
- An employee who demonstrates breastfeeding positions daily develops chronic shoulder pain and needs physical therapy — workers comp pays for treatment and time off
- An employee is injured in a car accident when traveling to and from home visits — worker comp pays for medical bills and recovery time
- An employee working with newborns contracts an illness and requires extended quarantine time — workers comp can assist with downtime costs
Best for
- Lactation consulting businesses with one 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 Lactation 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
Workers Compensation
$500,000 or $1,000,000
Have questions?
Insurance Canopy’s licensed, non-commissioned agents are here to help you get the lactation consultant liability insurance policy best suited to your needs.
Monday to Friday, 8 am – 8 pm EST
se habla español
Why Lactation Consultants Choose Insurance Canopy
Insurance Canopy provides the coverage you need — with a human touch. Lactation 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 understand the unique risks that lactation consultants encounter. Our coverage is intended to safeguard your career and support your business as it grows.
100% Online Backed by US-Based Support
Manage everything online effortlessly or get personalized support available from our 5-star-rated customer care team when you need it. We are here to assist you at every step.
135,000+ Small Businesses Trust Insurance Canopy
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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
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June 18, 2025 -
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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
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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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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 Lactation Insurance
Do I need lactation consultant insurance if I work part-time or have only a few clients?
Yes, lactation consultant insurance is essential no matter how much you work due to risks such as negligent advice, data breaches, damage to client property, and defamation claims. One mistake can lead to costly legal action.
Professional liability and general liability insurance protect your business and personal finances, ensuring that one claim does not deplete your earnings. Even minimal coverage provides peace of mind and improves credibility with clients.
Is my lactation consultant insurance coverage effective immediately?
Yes, your insurance policy can be active immediately upon purchase. Get instant coverage confirmation and your Certificate of Insurance (COI) once you complete your online application and payment. You’ll also get a badge for your website, so clients will know you’re insured with the best consulting insurance available.
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 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 customer service to guide you through the cancellation process.
How can I prove to clients that I’m insured?
You can prove that you’re insured by providing a Certificate of Insurance (COI) also known as an ACORD that details your coverage, policy limits, and active dates. Your Insurance Canopy COI is available immediately after purchase and can always be accessed through your online dashboard.
Clients may request this document before signing contracts, particularly for liability protection. Or if a third party requires additional insured status, you can add them to your policy and get an updated COI. A readily available digital and printed copy allows you to provide proof whenever necessary.
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
If you need assistance, you can also contact customer service to get the claim process going. Once you’re done, 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 lactation consultant insurance policy?
Your policy automatically renews at the end of the policy term to ensure continuous coverage. We will send you an email reminder beforehand so you will 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!
Empower your Practice — Get Insured Today!
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