Education Consultant Insurance
You can save up to 25% in discounts on business insurance.*
Choose your primary coverage to get started:
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.
Education consulting insurance designed to protect your business
ERGO NEXT Insurance is a one-stop shop to help you get the education consultant insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:
- Professional liability (E&O)
- General liability
- 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 education consultants and save up to 10% when you bundle two or more of our policies.
General Liability
Protection for the injuries, accidents and damage you cause
General education consultant 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)
To help protect you from errors and mistakes at work
Professional liability insurance (also called errors and omissions 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 give wrongful advice to a client that costs them money, this coverage 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
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 have a collision with another vehicle on your way to a school.
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
Cyber Liability insurance
Protection against cyber attack and other tech issues
Businesses often handle personal client and financial data, and a cyber incident can disrupt your operations and hurt client trust. Cyber insurance could help protect your business and help you respond quickly if there’s a data breach of sensitive client information, a cyber attack or a phishing scam that could impact your business.
cyber liability can help you pay for:
Data breaches
Cyber attacks and ransomware attacks
System failures
You can save up to 25% in discounts on education consulting 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
$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 education consultant insurance cost?
Education consulting insurance costs 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
Education consulting insurance requirements
Education 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 for educational consultants. 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 education consultants?
Our education 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 rearrange desks and leave scratches on a school’s new classroom floors. The general liability coverage in your insurance package could help pay for a replacement.**Accidents that hurt someone
A client trips over a box of files you left on a conference room floor. Your general liability insurance could also come into play here by helping to pay for medical costs and legal fees.Professional mistakes
A client claims that programs you implemented led to increased teacher turnover. Educational consultant professional liability coverage helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.Workplace injuries
You trip and injure your knee while carrying a box of textbooks. Workers’ compensation coverage can help cover medical bills and lost wages — not to mention it’s usually required by law if you have employees.Injuries and damage involving your business vehicles
You dent another car while pulling into a school parking lot. Education consultant commercial auto coverage can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.Damage to your own property
A water pipe breaks and causes extensive water damage in your leased unit. 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, tornado 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 ERGO 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 an ERGO 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, 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 ERGO NEXT?
If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
