Business Consultant Insurance

Business consultant insurance

Business Consultant Insurance That Has Your Back

You’re an expert in offering advice and solutions to your clients to help them succeed. But do you have the kind of insurance coverage you need to stay successful? Our business consultant insurance was created especially for small business owners like you, offering customizable coverages to fit your consulting company.
Business consultant insurance
Business consulting insurance

Who Needs Business Consultant Insurance?

Consulting firms that can benefit from our coverage include:
  • Educational consultants
  • Radio consultants
  • Economic consultants

What Coverages Do I Need for Business Consultant Insurance?

You can customize your insurance plan to create the best consulting insurance policy for your specific business. Adding additional coverages, such as professional liability insurance, can help protect you from lawsuits that claim you’ve made a mistake. If you’re looking for basic coverage, most small business consultants start with a Business Owner’s Policy (BOP). This combines three important coverages into one, including:
  • General liability insurance, which helps protect your business from claims of bodily injury and property damage. This liability coverage can help pay for your legal defense and client’s medical care.
  • Commercial property insurance for help covering your business and its physical assets. It helps pay for repairs and replacement of your property from damages caused by fire, theft or other covered losses.
  • Business income insurance, which helps replace income you lose if you can’t open for a certain amount of time after a covered loss.

Covering Your Consulting Company’s Operations

Business owners automatically become more susceptible to risks. From customer injuries to client complaints, lawsuits can be extremely expensive – and can even cost you your business. We know the challenges you face, and we’ve created unique coverage for consultants to keep you protected.
Over 50% of all civil lawsuits target small businesses each year.1
General Liability Insurance for Business Consultants

Client Injury

“Our office has a staircase to get to the conference room. On our way to a meeting, a client tripped and fell down, twisting her ankle pretty bad. She ended up needing to get a boot.”
General liability insurance can help cover claims of bodily injury or property damage. It’ll help pay for legal fees and medical expenses.
marketing consultants


“I did all the research I could to give a new client a solid strategy for their business. They claimed the advice I gave them caused them to lose thousands of dollars, and they sued my company.”
Professional liability insurance helps protect your business if you’re sued by a customer claiming a negligent act, error or omission in the professional services you provide.

Covering Your Consulting Company’s Property

Being a business owner means handling big responsibilities. Chances are, you manage a busy schedule and oversee an office. When it comes to protecting the small business you’ve worked so hard to build, it’s important to have property insurance that keeps you covered. We’re here to make sure you have the right insurance plans and that you’re meeting the business consultant insurance requirements you need.
Each year in the U.S., about 3 million people are nonfatally injured in motor vehicle crashes.2
Business consultant insurance requirements

Car Accident

“We have a few company cars to go back and forth to meetings. I took one to meet a client one day and ended up getting hit by a truck. Thankfully I was okay, but the car was totaled.”
Commercial auto insurance can help if an accident occurs, covering the costs for damages to the car, property or bodily injury.
Insurance needed for consulting business

Lost Computer

“Our entire team flew to a conference overseas. Somehow on the way back, one of our bags was lost at the airport. Unfortunately, the bag had our brand new laptop in it.”
Computers worldwide coverage covers physical loss or damage to computers located anywhere in the world, including while in transit.

Covering Your Consulting Company’s Team

The marketing consultants you hire are some of the best in the industry. That’s why it’s so important to make sure they’re protected by an insurance company you can rely on. Accidents happen every day, but with our business consultant insurance, you can have peace of mind knowing your employees are covered.
Over 88,500 workplace injuries occur each week.3
coverage for consultants

Employee Injury

“My receptionist is the best. She’s worked with me for over 20 years and rarely takes a sick day. However, she ended up getting carpal tunnel, and now needs physical therapy.”
Workers’ compensation insurance can help pay for repetitive stress injuries, like carpal tunnel, that result from repeated on-the-job strain.
consulting company

Employee Harassment

“Last year, I had to fire one of my best employees. It was an easy decision, though, after one of our interns filed a sexual harassment claim against him.”
Employment practices liability (EPL) provides coverage if you’re sued by an employee, patron or vendor alleging discrimination, sexual harassment, wrongful termination or other type of claim relating to your employment practices.

What Is the Best Business Consultant Insurance to Have?

Getting the right kind of coverage for your small business can be tricky. You’ll want to see what insurance plans you’re eligible for and find an insurance company that will work with you to make sure all of your needs are met. At The Hartford, we are proud to work with business owners just like you, offering customizable coverage for consultants that you won’t find anywhere else. If you want to make sure you’re meeting the business consultant insurance requirements, we’re here to help.
Business Income Insurance for Business Consultants

Business Consultant Insurance That Goes Beyond

We’ve worked hard to provide the kind of coverage for consultants that you’ll love. Customize your policy and get the insurance you need.
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The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In Arizona, New Hampshire, Washington and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company, Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
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