Next Insurance

SAFETY CONSULTANT INSURANCE

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

Consultant Insurance
Safety consultant insurance

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:

  • General liability
  • Commercial auto
  • Commercial property

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
$1 million
Commercial Property
Per occurrence
$25,000
PRO
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Commercial Property
Per occurrence
$25,000
PRO PLUS
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Commercial Property
Per occurrence
$25,000
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

General Liability

Bought by 95% of business owners like you
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
Commercial Auto

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

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
How much does safety consultant insurance cost

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

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’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.

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.

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More professions that are covered by NEXT

Marketing Consultant, Translator and Interpreter, Safety Consultant, IT Consultant, Education Consultant, Business Consultant
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* 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.
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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.