Business Consultant Insurance

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

Choose your primary coverage to get started:

Professional Liability

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General Liability

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Workers' Compensation

Commercial Property

Other Coverages

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Rated 4.7/5

(5056 reviews)

Business consultant insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the business consultant insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

General liability
Professional liability (E&O)
Commercial auto
Workers’ compensation
Commercial property

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for business insurance for independent consultants and save up to 10% when you bundle two or more of our policies.

General Liability

Bought by 95% of business owners like you

General liability insurance covers a wide range of consulting accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by individual clients and businesses.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Professional Liability (E&O)

Bought by 80% of business owners like you

Professional liability insurance (also known as errors and omissions or professional indemnity insurance for business consultants) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of providing marketing advice that leads to a drop in sales, it could help cover related expenses to defend yourself or address the problem.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Commercial Auto

For business owners who own or drive vehicles

Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you cause a minor collision on the way to a client meeting.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Coverage for workplace injuries

Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury if you get hurt on the job. Just make sure you add business owner’s coverage to your policy.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your business equipment and inventory, as well as cover your gear when you travel to industry conferences. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

What customers say about us

business insurance

awesome speed and ease to get insurance in place

Brian O.

4/9/2023

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.

4/7/2023

Business insurance

Affordable coverage quickly and efficiently, would definitely recommend ……

Melvyn W.

4/7/2023

Easy

The process was clean and simple

Melanie M.

4/3/2023

Excellent Service

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

Ryan A.

3/27/2023

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.

3/12/2023

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.

2/20/2023

Great Fit

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

Charles K.

12/29/2022

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.

12/21/2022

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.

12/18/2022

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

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$1 million

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does business consultant insurance cost?

Business consulting insurance prices vary based on the risks that your business faces, such as:

The types of clients you work with
Where your clients are located
Your payroll and the kinds of jobs your employees do
The number and types of vehicles you use at work

Learn more about business consultant insurance costs and coverage.

Business consultant insurance requirements

Business consultants are almost always required to have insurance due to the risk of injury to clients as well as damage to property. You might need insurance to:

Start working on consulting projects. Clients might ask you to have active insurance — usually general liability or workers’ compensation.
Hire employees. Most states require workers’ compensation.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about business insurance

Here are some of the most common questions we get about insurance needed for consulting businesses. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

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’ll 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 would 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 would 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?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with NEXT. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current NEXT Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance.

How does the claims process work with NEXT Insurance?

If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
If you cannot access your online account and require help from our support team, please visit our online help center.

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

More professions that are 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.