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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?
That’s where Simply Business can help.
We’re an online insurance platform that helps small business owners like you to cut through confusing insurance options to get coverage for your business. Whether you need a general liability policy to cover potential accidents or a professional liability plan in case of negligence claims, we’re here for you.
Not sure what you need? Our simple quote process helps narrow down policy options for you.
The best part is that it takes only a few minutes to find and compare free, custom quotes from top insurers.
Ready to get started?Get your quote
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.
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:
Now check out what general liability insurance usually doesn’t cover:
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:
Keep in mind that PL insurance usually doesn’t cover:
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:
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:
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!
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:
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:
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:
It’s tough to give an exact price for your business insurance, since each quote is customized to your needs. Generally, your insurance premiums are based on:
Want to see how much your education consultant insurance may cost? Just click here and get free quotes from some of the top insurers in the country.
Sometimes, it may feel as though your work goes unnoticed. After all, how many students are thinking about the people planning their courses and curriculum? We want you to know that at Simply Business, we see you and appreciate your efforts in education.
Choosing business insurance can feel overwhelming, especially when you have a lot of choices. What kind do you likely need? What does it cover? How much will it cost? Your time is valuable, so we try to make the quote process as quick and easy as possible.
Simply Business is an online insurance platform that helps small business owners like you protect what you’ve created. We’re also one of the fastest-growing online providers of small business insurance, with thousands of customers trusting us to protect their growing businesses.
So why choose Simply Business?
We’re fast and affordable. You have a busy schedule, and we don’t want finding insurance to take up more time than it needs to. That’s why we make it easy to find and compare plans that are personalized to your business — all in under 10 minutes.
We’re flexible with coverage. We’re here to help as your business grows and evolves — from your first certificate of insurance to new employee coverage and beyond.
We get your business. You deserve better than cookie-cutter insurance plans. Get the personalized protection you need as an education consultant when you need it the most.
You work hard to make learning accessible and effective for students in your community. That’s why we offer the best coverage to protect your business.
This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.
*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.