Business consultant insurance
One application, multiple quotes.
All in one place.
Essential Coverage
From
$25.83
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Errors & Omissions / Professional Liability
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Essential Coverage
From
$25.83
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Errors & Omissions / Professional Liability
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Do I Need Business Consultant Insurance?
As a business consultant, every recommendation you make carries weight — and sometimes risk. Business insurance for consultants can help safeguard your work, your reputation, and equipment so you can stay focused on guiding clients toward success.
What Insurance Does a Consultant Need?
From
$25.83
/month*
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Business Personal Property
Coverage to replace or repair equipment, furniture, fixtures, and inventory.
Cyber
(Crucial for IT/data-focused consultants)
Coverage to insure e-commerce businesses against claims associated with stolen customer data, cyberattacks, breaches, and fraud.
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Does Business Consultant Insurance Cover?
Your expert guidance can help clients thrive, but even well-planned strategies aren’t risk-free. And without the right coverage, you could be left paying for costly claims. Here’s how business consultant insurance can help protect against some of the common risks you may face:
A client follows your strategic plan, but the results fall short. They suffer a financial loss and sue, claiming your guidance was negligent. Professional liability insurance for consultants, also known as errors and omissions, can help cover legal fees and protect your business.
You rent office space and invite a client in for a meeting. The floor is still damp after cleaning, and she slips and hits her head. A few weeks later, you learn she plans to sue over medical bills and emotional distress. General liability insurance for consultants can help cover those types of third-party claims.
After a phishing attack, sensitive client data stored on your laptop is exposed. Beyond the technical recovery, you face client claims and reputational fallout. Cyber liability coverage could help pay for notification costs, credit monitoring, and legal defense costs.
Your assistant’s repetitive strain injury flares up after pulling an all-nighter to finalize a client report. Workers’ compensation for consultants can help cover your assistant’s medical bills and provide wage replacement as they recover.
Workers’ comp is often legally required and can protect your business from costly claims, as well as taking care of your employees if they become sick or injured on the job. Even if you operate solo, we recommend workers’ comp, because many health insurance policies won’t cover work-related injuries.
Your laptop and webcam are stolen from your car, leaving you without the essential tools you need to work. Business personal property insurance can help cover the cost to replace stolen or damaged business equipment so you can get back to work quickly.
How Much Does Business Consultant Insurance Cost?
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Business Consultant Insurance Coverage Questions
Most states require you to carry workers’ compensation insurance if you have employees. There also may be licensing requirements that require certain liability coverages. We recommend checking with your state and local governments.
If your business is located, your annual revenue, and limit of insurance. the type of work you do, the types of risks you’re exposed to, and the number of employees you have.
Some other factors can include how many years of experience you have, the types of risks you’re exposed to, and the number of employees you have.
We can help find the coverages and prices online for business consultant insurance coverage in just 10 minutes right here.
If you’re thinking of buying insurance, we recommend having the following information when using our business consultant insurance calculator:
- The state where you do business
- Your type of business or trade
- Your annual revenue estimates
This information can make it easier to get a quote from one of our insurers in under 10 minutes.
Small business insurance is what we do. Whether it’s covering you for accidents and mistakes, meeting workers’ comp requirements, or protecting your tools and equipment, we can help find the coverage you need for your consultant business.
We provide customized coverage options and quotes from top-rated small business insurers — all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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Answer a few questions about
your business in one form.
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Choose your policy, and get instant proof of insurance – all online, and all within 10 minutes.
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Our +1 million customers are big fans. And you will be too.
I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
400+
business types covered
1M+
customers worldwide
18
top-rated carriers
We’ve Got More Helpful Information
*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
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