Insurance for Consultants

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Why do Consultants need insurance?

You offer quality services and advice to your clients, but mistakes happen. Professional negligence claims, property damage, lawsuits… these are just a few of the many risks that consultants deal with every day.

That’s why many independent consultants protect their financial wellbeing with business insurance. Different types of insurance for consultants can help you manage unexpected bills that could force you to end your consulting career.

Did you know?

If you’re working as a sole trader, you are personally responsible for all aspects of your business—legally and financially. There is a potential for you to have enormous liability exposure, which may affect both your business and personal assets.

What types of consultants consider business insurance?

Consultants working in all types of industries and niches consider business insurance for their consultancies, including:

  • Advertising Consultants
  • Agricultural Consultants
  • Agronomists
  • Business Management Consultants
  • Cartographers
  • Communications Consultants
  • Community Development Consulting
  • Corporate & Business Consulting
  • Cultural Consultants
  • Educational Consultants
  • Environmental Consultants
  • Export Consultants
  • Film Production Advisory Consultants
  • Fundraising Services (for not-for-profit entities only)
  • Geophysicists
  • HR Consultants
  • IT Consultants
  • Land Economists
  • Land Surveyors
  • Life Coaches
  • Anthropologists
  • Asset & Facility Management Consultants (Non-financial assets)
  • Auctioneers (non-real estate)
  • Anthropologists
  • Asset & Facility Management Consultants (Non-financial assets)
  • Auctioneers (non-real estate)
  • Marketing Consultants
  • Marriage Counsellors
  • Personnel Consultants
  • Photography (consultants and photographer)
  • Procurement Consultants and Probity Advisers
  • Public Relations Consultants
  • Resettlement Consultants
  • Residential Property Presentation Consultants
  • Safety Consultants
  • Shipping & Forwarding Agents
  • Social Workers
  • Telecommunications Consultants
  • Tourism Consultants
  • Valuers (antiques and art only)
  • Weight Loss Consultants

What types of insurance might consultants need?

Professional Indemnity

Providing a professional service or specialist advice is what consulting is all about. However, even a small error or omission in your work could create big losses for a client. Professional Indemnity insurance* can help you manage professional negligence, compensation claims, and legal action taken by clients—even if you’ve done nothing wrong.

Public Liability Insurance*

Meeting with clients in person exposes you to potential mishaps and accidents. Imagine a client breaking an arm when they trip and fall in your office, or in the excitement of presenting your proposal, you knock over an expensive piece of art in a client’s boardroom. It could happen!

Public Liability insurance* can help you handle third-party personal injury and property damage claims like these and many others.

Business Insurance

Your clients bring in your income, but where would you be without your business assets? A Business Insurance Package* could help you manage a variety of unexpected expenses, from damage to your commercial premises to stolen equipment.

A Business Insurance Package can be tailored to meet your business needs, including cover for tax audits, damage to your computer or other electronic equipment, and much more.

Management Liability

If you have employees, you might want to think about getting Management Liability insurance*. These policies can help you manage your employment practices and statutory liability risks.

Cyber Liability

Consider the client data you may be storing and the consequences if your systems were compromised. You may want to consider a Cyber Liability insurance* policy to help you manage the costs of cyber incidents, such as data breaches, cyberattacks, ransomware and more.

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*The information provided on this web page is general only and should not be relied upon as advice. No guarantees are provided as to pricing for individual risks. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. Savings made in March 2024 on Professional Indemnity and Public Liability policies. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Coverage for claims on the policy will be determined by the insurer, not BizCover.
The testimonials, statements and opinions presented on this website are representative of individual experiences. Results may vary and may not be representative of the experience of others. We are not responsible for any of the opinions or comments posted on our website. The testimonials are voluntarily provided and are not paid, nor were they provided with free products, services or any benefits in exchange for the testimonials.