Safety Consultant Insurance

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

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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.

Safety consultant insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the safety 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
Commercial property

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

It’s all about managing your risk. See the different policies available for safety 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 liability insurance helps to protect you from unexpected expenses related to many types of accidents that can affect your safety consulting business. And clients could require that you have general liability coverage as part of contract requirements so they know that you can pay for any accidental injuries or damage related to your work.

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 that use vehicles

Commercial auto insurance is essential if you have vehicles that are titled to your safety consulting business that you or your employees drive. Your personal car insurance policy probably won't be enough to cover your work-related driving accidents.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance covers safety consulting business property, which can include the repairs, construction and related expenses if you own the building where you do business. And it can help you whether you lease space or own the property where you work.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

What customers say about us

Satisfied Customer

Very easy to navigate through .

Virginia O.

Best insuranxe rates ever!!

This is the best i have experienced

Crosby E.

Great Service by next staff.

I appreciate the ease with how I went from quote to receiving my business coverage. Thanks Kevin

Kevin M.

NEXT was fast, courteous, and

NEXT was fast, courteous, and helpful.

Jason J.

Liability Insurance

Next was fast and responsive. They answered all my questions

Eugene N.

Next level Safety Performance

I had an excellent experience with this great team

Carl G.

Great company

I shopped around for a few weeks. As a newly formed business, I hit a few walls, but not with NEXT. Strongly recommend them.

Florin G.

New Business - Great Option!

I started my home-based consulting company in January and needed both General Liability and Errors and Omission insurance. I approached my personal insurance carrier (home/car) an...

Gina F.

Satisfied Customer

Very easy to navigate through .

Virginia O.

Best insuranxe rates ever!!

This is the best i have experienced

Crosby E.

You can save up to 25% in discounts on safety 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

$500,000

Professional Liability (E&O)

Per occurrence

$500,000

Commercial Property

Per occurrence

$25,000

Pro

How much does safety consultant insurance cost?

Safety 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 25%, depending on the kind of work you do. More risky professions can expect to pay more.

Learn more about safety consultant insurance costs and coverage.

Safety 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 a safety consultant 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.
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.

Frequently asked questions about safety consultant business insurance

Here are some of the most common questions we get about safety 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 safety consultants?

Yes, NEXT Insurance offers commercial auto, general liability, and commercial property insurance for safety consultants.

Does NEXT Insurance offer commercial property coverage for safety consultants?

Yes, NEXT Insurance offers commercial property insurance, general liability, and commercial auto coverage for safety 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 can 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 could 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 could 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.

Can I add to or change my coverage?

If you’ve expanded your business and need coverage for more kinds of work (or higher amounts of the same coverage), please let us know. One of our support agents can discuss your business's changing needs, and in most cases, we’ll be able to set you up with a new policy on the same day (so there will be no gaps in your coverage).

If you're a customer, your policy documents and changes can be accessed and managed in your online customer account.

The quickest way to talk to our U.S.-based customer service team is through chat. You can reach us by clicking “chat with us” at the very bottom of the help center page.

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.

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More professions that are covered by NEXT

Art Consultant, Business Consultant insurance, 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.