HR Consultant Insurance

Save up to 25% on business insurance for human resource consultants.*

Choose your primary coverage to get started:

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HR consultant insurance can help protect you from:

The cost of professional mistakes

A client accuses you of misclassifying employees or contractors during an HR setup.**

Claims of professional negligence

Someone claims you gave them bad advice on workplace compliance, causing a large fine.

Legal fees and defense costs

You need an attorney to defend your HR consulting firm in a lawsuit after a claim.

Get HR consultant insurance that’s fast, flexible and convenient

ERGO NEXT specializes in small business insurance. Insurance for human resource consultants can help provide liability protection against client disputes, workplace-related claims or accidental property damage.

ERGO 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.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

ERGO NEXT specializes in business insurance for HR consultants

HR consulting insurance usually combines several types of insurance policies. And you can save up to 10% when you bundle two or more. Your coverage may include:

General Liability insurance

Protection for damage to other people's property and injuries to non-employees

Commercial general liability insurance coverage can help protect HR professionals from everyday business risks. It may help cover claims if a client or visitor is injured during a meeting, or if you accidentally damage a client’s property while working on-site.

general liability can help you pay for:

Medical expenses for bodily injuries

Damage to property you don’t own

Legal costs and judgments

Employment practices liability

Professional Liability insurance (E&O insurance)

To help protect you from the costs of professional mistakes

Professional liability coverage for HR consultants is also called errors and omissions insurance (E&O insurance). It can help cover claims related to alleged mistakes, negligent advice or HR guidance that a client says led to a financial loss through your professional services.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Workers’ Compensation insurance

For employee work-related injury and illness

If you have employees at your HR consulting practice, most states require workers’ compensation insurance. This coverage can help with medical costs and lost wages if an employee suffers a work-related illness or injury, such as a fall or a strain.

workers compensation can help you pay for:

Medical costs

Lost wages during recovery

Employer liability

Commercial Property insurance

For business owners who own or rent physical spaces

Commercial property insurance can help protect the tools HR consultants rely on, such as computers, office equipment, furniture and the workspace itself. If covered property is damaged by events like fire, theft, vandalism or a burst water pipe, this coverage may help with associated costs.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Cyber Liability insurance

To help protect against the costs of data leaks and cybercrime

Cyber liability insurance can help HR professionals manage the impact of a data breach or cyber attack involving confidential employee or client records, including information related to payroll or employee benefits. Coverage may help support responses to breaches, hacks or phishing scams.

cyber liability can help you pay for:

Data breaches

Cyber attacks

System failures

ERGO NEXT Insurance reviews

Satisfied Customer

Best business insurance with the easiest process!

Stephen H.

Small business insurance

I thought ERGO NEXT was easy to use, great rates and outstanding follow-up.

Taylor M.

Small start up

Thanks for helping a small startup. Was able to get the insurance I need for a cost I could afford.

Deborah H.

Easy to use

Great! Set everything up and got the insurance needed for my business without hassle and it was very easy and quick to navigate.

Myles C.

Great!

Hassle free and great to work with. Affordable.

Anthony G.

Peace of mind

easy to apply and and customer service is very responsive

Darrell W.

Easy & affordable

This company makes the process very easy & affordable. Thank you for this service!!

Ronald M.

Easy to sign up and has what I need.

Only took about 10 minutes to have all my questions answered and get the plan I need for my business. Great price and easy to understand plan.

Annick L.

The best service.

Thanks for your help with my needs, I'm very grateful for your assistance and help. I will recommend your company to others

JOEL C.

Blown away

Truly a great team of people that worked really hard to get everything together for me and went out of there way to make it fast and easy

Raaf C.

Save up to 25% in discounts on HR 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

How much does HR consultant insurance cost?

Premiums for HR consultancies are more affordable than you might think. The exact price you’ll pay for your insurance depends on several factors, including the policy limits and deductible you choose.

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 HR consulting business.

How can insurance for HR consultants help your business?

You might need HR consulting insurance to help your business:

Address claims tied to HR expert advice. Professional liability coverage could help if a client alleges your guidance on policies, onboarding, compliance or employee relations caused a financial loss.
Protect your workspace. Commercial property insurance may help cover office equipment and other business fixtures at your office if they’re damaged by a covered event.
Safeguard sensitive HR data. Cyber liability insurance can help with costs tied to data breaches involving employee or client information.
Hire employees. Most states require workers’ comp insurance under state laws for small businesses with employees.
Travel for client work. If you drive for meetings, training or on-site support, commercial auto insurance may help cover vehicles used for business purposes.

HR 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 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.