Business Insurance for Consultants

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

Get a Quote

Return to Quote

Featured On

Rated 4.7/5

(5056 reviews)

Consultant business insurance to satisfy corporate clients and municipalities

NEXT makes it fast, easy and affordable to get tailored professional liability and other business insurance for your consulting business. And once you’re covered, you can share unlimited proof of insurance in minutes at no additional cost.

We specialize in solopreneurs and small business owners in over 1,300 professions. It’s easy to choose your options, buy online and get sharable proof of insurance for your next contract job — all in about 10 minutes online.

Liability insurance for consultants can help protect you from:

Business errors

A client or customer accuses you of making a professional mistake that costs them money.

Claims of negligence

Someone claims your inaction or wrongdoing caused financial loss or personal harm.

Legal fees and defense costs

You need an attorney to defend your business in a lawsuit after a claim.

Get affordable business consultant insurance without the hassle

Consider these coverage options to keep your business in compliance, professional and protected:

General Liability insurance

Protection for the injuries, accidents and damage you cause

This type of liability insurance can provide financial assistance for many common small business risks. It can help if someone other than an employee gets hurt or you’re held responsible for damaging property that doesn’t belong to you.

general liability can help you pay for:

Medical payments

Damage to other people’s property

Legal fees and judgments

Employment practices liability insurance (EPLI)

Professional Liability (E&O) insurance

Coverage against business mistakes and claims of negligence

Professional liability insurance can help you defend your business if you’re accused of making a mistake that causes someone to lose money. For example, if you’re an accountant and you give wrongful advice to a client that costs them money, it could help cover related expenses to defend yourself if they file a lawsuit.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Commercial Auto

If you own or drive a vehicle for work

Personal auto insurance doesn’t usually provide coverage if you cause a collision on the way to a client’s office. Most states require a commercial auto policy for business-owned vehicles to help pay for medical expenses and property damage after an accident.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers’ Compensation insurance

Coverage for work-related illness or injury

Workers’ compensation insurance could help pay for medical care and lost wages if you or your employees get hurt on the job. If you want yourself covered by workers’ comp, make sure to add business owner’s coverage to your policy.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property insurance

For business owners who own or rent physical work space

Commercial property insurance could help protect your business equipment and inventory, as well as your gear when you travel for work. If your business property is damaged due to a covered event such as a burst water pipe or fire, property insurance could help with replacement or repair.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Business consultants trust NEXT

business insurance

awesome speed and ease to get insurance in place

Brian O.

Seamless Setup

Excellent and responsive customer service and seamless set-up of WC Insurance. After trying to expand with my current provider and not having the follow up that I expected, I found...

Sherry A.

Business insurance

Affordable coverage quickly and efficiently, would definitely recommend ……

Melvyn W.

Easy

The process was clean and simple

Melanie M.

Excellent Service

Always a pleasure to do business with. Thank you for your efficiency and customer service. Thank you!

Ryan A.

Easy to sign up and competitive rates

I was looking for liability insurance as a subcontractor to a group that required such insurance. Next was quite easy to apply to online and seems to have a good customer satisfact...

Guy G.

Quick and easy = provisionally excellent

The process of securing a reasonable policy at a good price was excellent. Hopefully it will never be drawn on. That, of course, would be the real test of whether a policy is as go...

Mark S.

Great Fit

super easy. i filled out what i did and what i needed and "poof" i got my offers. very reasonable.

Charles K.

Thank goodness for NEXT

When I started my coaching and consulting business in Alaska, I wasn't sure where to start when in came to insurance coverage. NEXT made it ridiculously easy to sign up. A few taps...

Krysta V.

Great experience! Made it really

Great experience! Made it really easy to do business with Next! NextLevel Solutions, Inc appreciate the great customer experience!

Ronnie S.

You can save up to 25% in discounts on business consulting insurance

Choose the package that's best for your business.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Professional Liability (E&O)

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does business consultant insurance cost?

Your business consultant insurance cost can vary based on a number of factors, including:

The type of work you do.
The location of your business.
Your number of employees, if you have them.
Your claims history.

See costs for business consultant insurance.

Get a free business consultant insurance quote. You’ll know exactly what your business will pay in about 10 minutes, and you can purchase, get proof of insurance and access your policy 24/7.

Which types of insurance are required for business consultants?

Insurance requirements vary by company, local laws, job type, contract and more. Professional liability insurance or general liability insurance are among the most commonly requested for consultants. These policies and others may be necessary to help you:

Secure work. Clients and agencies often require coverage to mitigate their risk for projects.
Deliver, pick-up or drive for business. Vehicles used for business typically need commercial auto insurance.
Pay for property damage to your office space. Commercial property insurance can help protect the space you use for work and borrowed or rented equipment you use for your job.
Get help for attorney fees and legal expenses. If a client sues you for making a professional mistake.

Consulting business insurance FAQ

If you don’t find the answers you need, our licensed, U.S.-based insurance advisors are standing by to help.

How does business insurance protect business consultants?

Our small business consulting insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

You accidentally break an expensive photocopier while visiting a client. The general liability coverage in your insurance package could help pay for a replacement.**

Accidents that hurt someone

A client trips on your office’s front steps and injures their shoulder. Your general liability coverage could also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

You recommend business software that ends up having major security issues. Professional liability coverage for consulting businesses (also known as E&O insurance for business consultants) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

You stumble and sprain your ankle while carrying supplies into a client’s office. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

You dent a nearby car when pulling out of a client’s parking lot. Commercial auto coverage will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Damage to your own property

Thieves break into and vandalize the office space you lease. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire or vandalism.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.

More professions covered by NEXT

Art Consultant, Business Consultant, Education Consultant, IT Consultant, Marketing Consultant, Product Designer, Safety Consultant, Translator and Interpreter

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.