Education consultant insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$25.83
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Professional Liability / Errors & Omissions
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$25.83
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Professional Liability / Errors & Omissions
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 Education Consultant Insurance?
As an education consultant, you help schools and families navigate choices about their learning plans. But do you have anyone helping you study the best course of action for your business?
Below are some of the most common types of insurance policies that education consultants carry to stay protected.
What Type of Education Consultant Insurance Do I Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
From
$25.83
/month*
Equipment and Business Property
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$20.83
/month‡
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/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 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 Type of Insurance Do Education Consultants Need?
The best lesson plans have a clear objective, cover the essential information, and leave space for students to try it for themselves. Now let’s see if our lesson on education consultant insurance lives up to your standards. Below, we’re going to cover the three types of policies you may need to bundle into your education consultant insurance coverage.
General Liability Insurance
Let’s start our exploration of business insurance with the most foundational policy: general liability insurance. This type of policy typically covers costs associated with third-party accidents, damages to property, and bodily injury to a third party (e.g., a client or vendor).
In your case, you could face third-party damage costs while visiting a campus you’re consulting with. Imagine you’re shuffling furniture in a classroom to get ready for a meeting with your client. As you’re moving a table, the corner hits the drywall and punches a hole in it.
Or imagine you trip over a cable and the campus’s state-of-the-art projector comes crashing down. Either of these accidents could land you with an unhappy client and a hefty bill.
While you may face only small accidents, the reality is that the average customer injury or damage claim — something that general liability insurance covers — is a whopping $30,000. Without insurance, you’d likely need to pay for your mistake out of pocket.
If you had business insurance, though, your policy could cover the costs of damages or legal fees, up to your policy limits.
To recap, here’s what general liability insurance usually can cover:
- Bodily injury to another person
- Third-party property damage
- Personal and advertising injury
- Medical expenses
- And more
Now check out what general liability insurance usually doesn’t cover:
- Damage to your own property
- Professional services
- Workers compensation or injury to your employees
- Damage to your work
- Motor vehicles while in business use
- Expected or intentional injury or damage
- And more
Professional Liability Insurance
Most of the time, your suggestions and strategies are welcomed. However, what happens if you inadvertently give bad advice? As an education consultant, you could face a negligence claim from a client who claims your help was detrimental to their program.
That’s where professional liability insurance (PL) can help.
Imagine that you helped a university create a new program or curriculum. You’re proud of your work, and at first, the client is pleased. Once course enrollment begins, it’s discovered that you made a mistake that allows students into a class without the proper prerequisites. They catch the error, but the cleanup process is frustrating for everyone involved.
In this scenario, your client could potentially sue you for negligence. The best-case outcome would occur if you had professional liability insurance, which could cover the cost of hiring an attorney and any monetary claims (up to the policy limit).
By getting PL coverage before you need it, you can likely avoid dipping into your personal finances or getting a loan to handle claims.
To summarize, here’s what a professional liability policy can cover:
- Negligence or alleged negligence
- Legal defense costs
- Omissions or alleged omissions
- Claims and damages
- And more
Keep in mind that PL insurance usually doesn’t cover:
- Intentional acts and omissions
- Property damage
- Medical expenses
- Bodily injury
- And more
Workers Compensation Insurance
For educational consultants who have employees, this is critical information! While not every state requires you to carry general or professional liability insurance, most states, require workers compensation insurance if you have employees.
Even if you employ only one or two part-time employees, your state may require workers comp. Check to see your state’s laws here. Or, simply complete the free quote process to determine what coverage you may want to consider.
Workers comp policies can cover costs associated with an employee’s injury or illness while they’re working for you. Considering that the average work injury cost is $41,000, your policy could potentially save you a lot of money if something happens to an employee.
In general, workers compensation insurance can cover:
- Medical payments
- Lost wages
- Rehabilitation expenses
- Death benefits
Why Should I Get Education Consultant Insurance?
We don’t have to remind you of the importance of knowledge — you literally write the courses on it. Taking the time to be aware of what could happen in your business, and being proactive, always leads to the best outcomes.
If you like facts and figures, we have some important information to share. Did you know that up to 43% of small business owners polled reported being threatened with or involved in a civil lawsuit?
Yes, even educators could end up in court!
While you can minimize your chances of having an accident or negligence claim, the possibility likely is still there. If you do find yourself on the other end of a damages claim or negligence lawsuit, you would probably want to be financially protected.
Just take a look at the most common incidents that can befall small business owners, including how much they cost on average:
- Reputational Harm — $50,000
- Client Injury or Damage — $30,000
- Client Slip and Fall — $20,000
You’ve worked hard to earn every single dollar in your career, and it would be a shame to potentially go into debt or lose your business as a result of a single accident. You work hard, and you deserve to be in business for as long as you choose.
It’s also important to be mindful that as an education consultant, you don’t need to have an accident to get sued. Whether you agree with it or not, a client could bring a negligence suit against you. Even if you successfully defend yourself and avoid paying damages, you will still have attorney attorney fees to pay.
The importance of business insurance isn’t all about the “doom and gloom,” though. Having a certificate of insurance (COI) as proof of your commitment to your business could help you rent office space or earn the trust of potential clients and employees. When you get business insurance with Simply Business, you can request a COI.
While having business insurance can have a serious impact on your business, getting covered doesn’t have to be hard. Here at Simply Business, we make getting insured easy!
What Does Education Consultant Insurance Cost
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Get a quick estimate in just 3 steps.
Answers to More Education Consultant Insurance Coverage Questions
Each state sets its business insurance laws, so your requirements depend on your location. For example, your state may require workers compensation if you have employees, but not require general liability insurance to run your business.
It’s also important to note that some landlords may require proof of general liability insurance if you want to rent office space.
You don’t necessarily need to worry about the details of your state laws, though, since our quote process automatically considers your location when calculating your insurance options.
Generally, you’ll be able to deduct business insurance premiums from your tax filings. We always recommend talking to an accountant if you have questions about your specific business expenses, though.
Each insurance policy is tailored to your business. The amount of coverage your business needs depends on:
- The size of your business
- Your business location
- Your annual revenue and payroll
- And more
If you’re not sure what you need, our quote form recommends insurance plans for you, based on your answers.
If you have more questions, our licensed insurance agents are available and will be happy to assist you!
Getting and comparing free, custom quotes is easy. If you want to make the process even faster, it’s helpful to have the following information on hand:
- Annual revenue estimates
- Payroll estimates
- Information on any previous claims
While we always recommend business insurance, you may not be legally required to have certain types of policies. Your state sets the laws on requirements such as workers comp coverage.
You don’t need to study your state’s laws before getting started, though. Our quote process automatically narrows down your options based on your answers. If you still have questions about insurance in your state, our licensed insurance agents are happy to help.
The types of policies you choose affect which scenarios you’re covered in. As an example, a comprehensive bundle of general liability, professional liability, and workers comp insurance for education consultants can cover:
- Bodily injury
- Accidents and damages
- Employee injuries
- Negligence or alleged negligence
- And more
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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*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.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.