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IT Consultant Insurance

Save up to 30% on business insurance
Consultant insurance

IT consultant insurance designed to protect your business

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

  • General liability
  • Commercial auto
  • Workers’ compensation 
  • Commercial property
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Save up to 30% on IT consultant insurance

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

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

It’s all about managing your risk. See the different policies available for IT consultants and save 10% when you bundle.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance covers the risks that affect almost every IT consultant. It's the most common insurance for small businesses and entrepreneurs, and it’s typically the first policy purchased by new businesses.
General Liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
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Commercial Auto

Commercial Auto

For business owners that use vehicles
Whether your car is essential for your daily operations or a vehicle you only occasionally use for work, you need a commercial auto insurance policy customized for your IT consulting business. Most states require that your business-owned vehicles are insured for certain types of accidents with commercial auto coverage.
Commercial Auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement
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Workers' Compensation

Workers' Compensation

For business owners who hire employees
Workers' compensation insurance helps to make sure workers are taken care of if they're hurt on the job, while also protecting IT consulting business owners from significant financial losses after an accident. It's legally required in most states for businesses with employees.
Workers' Compensation can help you pay for:
Medical expenses
Lost Wages
Employer liability
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Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property coverage helps protect almost all of the physical items you need to run your IT consulting business, including your equipment, inventory and furniture. And the business income coverage in your property insurance could help cover the revenue you would have earned after an unforeseen flooding, as well as ongoing business expenses while you are closed.
Commercial Property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
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How much does insurance cost

How much does IT consultant insurance cost?

 IT consultant insurance costs vary based on the risks that your business faces, such as:

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

You can save up to 30%, depending on the kind of work you do. More risky professions can expect to pay more.

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IT consultant insurance requirements

Small business owners are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

  • Get an IT consulting license in your state. It’s a good idea to check if you need a license in your state in order to get insurance.
  • Start work on a project. Clients might ask you to have active insurance — usually general liability or workers’ comp.
  • Hire employees. Most states require workers’ compensation insurance if you have employees.
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace commercial property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
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Everything you want to know about Insurance

Frequently asked questions about IT consultant business insurance

Here are some of the most common questions we get about IT consultant business insurance. 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.

Does NEXT Insurance offer commercial auto coverage for IT consultants?
Yes, NEXT Insurance offers commercial auto, general liability, workers' compensation, and commercial property insurance for IT consultants.
Does NEXT Insurance offer workers' compensation coverage for IT consultants?
Yes, NEXT Insurance offers workers' compensation insurance, commercial property, general liability, and commercial auto coverage for IT consultants.
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.

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

Certificate of Insurance

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