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Consultant Insurance

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Consultant Insurance

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.

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We specialize in business insurance for consultants

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Business Consultant, Education Consultant, Other,

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Customized business insurance to protect you and your clients.
Business insurance in less than 10 minutes
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How much does business insurance cost

How much does consultant insurance cost?

You can save up to 30% 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
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Dedicated small business insurance

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.

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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.

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.

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Other important business insurance coverage for consultants

Liability insurance is a good start to making sure you’re covered but you can also customize your business insurance to protect your employees, your vehicles and your business property.

We typically recommend:

Workers' Compensation Insurance
Workers’ Compensation 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.

Commercial Auto Insurance
Commercial Auto insurance for consultants

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.

Commercial Property Insurance
Commercial Property insurance for consultants

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.

Frequently asked questions about contractors insurance

What insurance should I get if my work involves multiple types of consulting?

When you request your consulting insurance quote, you’ll answer some questions about your business activities — such as what percentage of your time is spent on each service — and we’ll base your consultant insurance policy on that information. We know that every business is a unique combination of services. That’s why we offer customized insurance packages that can be adjusted to fit your business needs. You’ll get the right coverage at an affordable price, and you can adjust it as your business changes.

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

Can I add an additional insured to my consulting insurance?

Yes. We know there is a common need for consultants to add an additional insured to their coverage, so we’ve given you the power to create certificates of insurance and add additional insureds for free, 24/7. Learn more about additional insureds.

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 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, 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 or would prefer to speak with an agent, call us at 855-222-5919 between 6 a.m. and 5 p.m. PT, Monday to Friday.

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