Business Consultant insurance

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

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Small business consultant insurance can help protect you from:

Business errors

Business errors

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

Claims of professional negligence

Claims of professional negligence

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

Legal fees and defense costs

Legal fees and defense costs

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

Get business consultant insurance that’s fast, easy and affordable

Business insurance for consultants can help protect you, your business consulting company and your employees. It can help provide financial protection for unexpected events and accidents, such as:

  • A client claims your business strategy led to missed revenue goals and holds you responsible.**
  • A client sues your consulting firm for damages when you miss a major project deliverable that disrupts their operations.
  • Your workspace needs repairs after a fire, vandalism, theft, windstorm, a burst water pipe or other covered event. 

NEXT makes it easy to check prices, get covered and buy 100% online in about 10 minutes.

Manage your policy 24/7 via web or mobile app, and get unlimited certificates of insurance (COI) (proof of insurance) at no extra cost.

NEXT specializes in business insurance for business consultants
Business consulting insurance is usually several types of policies combined. And you can save up to 10% when you bundle two or more. Your coverage may include:
General Liability insurance

General Liability insurance

Protection for damage to other people's property and injuries to non-employees
Commercial general liability coverage can help protect against some of the most common risks of a business consultant. Whether you’re a management consultant, environmental consultant, IT consultant, or specialize in some other type of consulting, this kind of general protection can help if a non-employee suffers bodily harm at your business or if you or your employees accidentally damage other people’s property.

general liability can help you pay for:

Medical payments
Damage to other people’s property
Legal fees and judgments
Employment practices liability insurance (EPLI) (optional add-on)
Professional Liability insurance

Professional Liability insurance

To help protect you from errors and mistakes at work
Business consultant professional indemnity insurance can also be called professional liability insurance or errors and omissions insurance (E&O). This type of policy can help provide financial protection for you and your business if someone accuses you of a business mistake, professional negligence or not delivering results to clients that cause a financial loss.

professional liability can help you pay for:

Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Workers’ Compensation insurance

Workers’ Compensation insurance

For employee work-related injury and illness
If you hire employees to support your business consultancy, most states require workers’ comp insurance. Workers’ compensation coverage can help cover medical bills and lost wages if you or your employees get hurt on the job. If an employee suffers from repetitive stress injuries or trips and falls and needs medical attention, workman’s comp can help.

workers compensation can help you pay for:

Medical expenses
Lost wages
Employer liability
Commercial Property insurance

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 Owners’ Policy (BOP insurance)

Business Owners’ Policy (BOP insurance)

General Liability combined with Commercial Property coverage in one package
BOP insurance combines the coverage of general liability and commercial property insurance into a single comprehensive package that’s often more affordable than two separate policies. If someone breaks into your shared coworking space and steals your laptop, BOP coverage can help you recover the costs.**

business owners policy can help you pay for:

Business property damage
Bodily injuries (non-employees)
Court and legal fees
Business income interruption coverage

NEXT Insurance reviews

I am so excited
I am totally excited about my new insurance for my small business. I am happy that the price was in a range that I can afford, the terms were easy to understand and it was so simple to purchase my first policy. I look forward to doing business with you in the future.
Curzella J.
Easiest insurance purchase – EVER!
I was looking around trying to compare insurance and I am so lucky I found NEXT. I was able to compare levels of coverage, and all the options, without pressure from a salesperson or time limits. I was able to check out prices and it was more coverage for less than the “traditional” company I looked at.
Michael W.
Happy small business owner!
I needed liability insurance for my new small business brick & mortar location. I got the run around from another company, but NEXT provided a competitive insurance quote in a timely manner. I now have the insurance that I need and it was stress-free!
Nicole E.

Save up to 25% in discounts on business consultant insurance

Pay monthly or annually, and you can cancel at any time.

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
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Professional Liability (E&O)
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Professional Liability (E&O)
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
How much does business consultant insurance cost?

How much does business consultant insurance cost?

Premiums for business consultants are more affordable than you may think. The exact price you’ll pay for your business insurance cost depends on a number of factors, including:

  • The type of work you do.
  • The types of clients you have.
  • Your business location.
  • Your number of employees.
  • Annual revenue.
  • The coverage limits and deductible you choose.
  • Your insurance claims history.

The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your business.

How can insurance for business consultants help your business?

How can insurance for business consultants help your business?

You might need business consulting insurance to help your business:

  • Cover the fallout of professional mistakes. Professional liability insurance (E&O insurance) can help you defend yourself if you’re accused of making a mistake or missing a deadline that causes a client to lose money.
  • Protect your office and equipment. Commercial property insurance (or a Business Owner’s Policy that combines property coverage with general liability) can help repair or replace business equipment and buildings from fire, theft, vandalism or other covered damages.
  • Hire employees. Most states require workers’ comp insurance for small businesses with employees.
  • Drive for business. Business-owned vehicles and personal vehicles you drive for work typically need commercial auto insurance.
  • Protect sensitive data. If your confidential digital client information is exposed in a cyberattack or accidental breach, cyber liability insurance can help cover response costs, recovery and potential lawsuits.

Business consultant insurance FAQ

If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.

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, what type of events you sell at, 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 instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI instantly or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

How do you file an insurance claim with NEXT?

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

More professions covered by NEXT

Art Consultant, Business Consultant insurance, Education Consultant, IT Consultant, Marketing Consultant, Product Designer, Safety Consultant, Translator and Interpreter
What we cover
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© 2025 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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NEXT is part of the ERGO Group, a Munich Re company.

Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

* 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.

** Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of March 21, 2025. 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.