CONSULTANT INSURANCE
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Get the consultant insurance you need to get the job done
NEXT Insurance is a one-stop shop for consultant business insurance. As an expert who provides advice and recommendations to organizations and individual clients, you need customized insurance at an affordable price so you can get back to solving problems.
Oh, and you’ll save 10% when you bundle two or more of our policies.
We specialize in business insurance for consultants
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Why do consultants need business insurance?
Business insurance offers you protection from a wide range of unexpected events and accidents, from a client accusing you of making a mistake to a collision involving your work vehicle.
As a business, technical, management, HR or education consultant, you’re almost always required to have insurance in order to work with individual clients and businesses on consulting projects. Having the right types of insurance for your consulting company means that you don’t have to pay out of pocket if an accident or mistake occurs.
How consultant liability insurance protects your business
Consultant liability insurance can help cover costs if you find yourself in the unfortunate situation of being accused of causing an injury or damaging property, or if someone says that your work mistake caused financial losses.
We combine two types of liability insurance in our business insurance packages:
Professional liability insurance (also known as errors and omissions), covers you for cases where you are accused of not having done your job properly, whether that’s true or not. If you make a mistake in your services that led to your client making a terrible — and expensive — business decision, your client could sue you for the damages. Your coverage will help pay for costs to defend your business or fix the problem.
Learn more about Professional liability for consultants.
General liability can protect you from expenses related to accidental damage to someone’s property or an injury to someone who is not an employee.
Learn more about General liability for consultants.
How much does consultant insurance cost?
You can save up to 25% in discounts when you buy consulting insurance with Next. The exact amount you pay will depend on:
- The types of consulting projects you work on
- 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
Other important business insurance coverage for consultants
Workplace injuries happen more frequently than you might think, especially in your line of work. Workers’ comp makes those situations easier by helping to pay for medical bills for injuries and illnesses that happen to you or your employees while on the job. Workers’ comp can also help to cover lost wages while recuperating from tripping over a computer cord in a client’s office.
This coverage is required for businesses with employees in every state except Texas.
Learn more about workers’ comp.
You’ll need commercial auto insurance in most states if you own work vehicles that are titled to your business.
You can use a commercial auto policy to insure your personal vehicle if you use that vehicle for your business, but you can’t apply your personal car insurance to your company car. So if you drive your own car to meet with clients or visit clients’ business locations, it probably won’t be covered under your personal car insurance.
Learn more about commercial auto.
Consultants who own or rent physical spaces will need property insurance to help protect business equipment, inventory and furniture. 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.
Learn more about commercial property.
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Frequently asked questions about contractors insurance
What insurance should I get if my work involves multiple types of consulting?
What do I need to get an insurance quote online?
Can I add an additional insured to my consulting insurance?
How does the claims process work with NEXT Insurance?
- If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
- If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
- If you cannot access your online account and require help from our support team, please visit our online help center.
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