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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.
Choose your profession for more information or start an instant quote and get covered fast
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.
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.
You can save up to 25% in discounts when you buy consulting insurance with Next. The exact amount you pay will depend on:
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.
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.
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.