Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 14, 2026.
GENERAL LIABILITY
Business Consulting $21/month for general liability
WHY IT MATTERS
Why Business Consulting need business insurance
Business consultants can face claims involving client advice, visitor injuries, employee accidents, and other everyday operations. The right mix of policies can help address these risks, subject to each policy's terms and exclusions.
SCENARIO 1
A visitor is injured
A client trips in your office and alleges an injury. General liability insurance may help with covered medical expenses, legal defense, or a settlement.
SCENARIO 2
A client challenges your advice
A client claims your recommendation caused a financial loss. Professional liability insurance may help respond to a covered allegation and related defense costs.
SCENARIO 3
An employee is hurt at work
An employee is injured while moving equipment for a presentation. Workers' compensation may help with covered medical care and lost wages, depending on the policy and applicable requirements.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Consulting services
Advice involving complex operations or significant client decisions may receive more underwriting review and can lead to a higher quote.
Business revenue
Higher revenue may indicate greater client activity and potential exposure, which can increase a quote.
Employees and payroll
Adding employees or increasing payroll may raise workers' compensation exposure and affect the quote for that coverage.
Claims history
Previous claims may lead to additional underwriting questions and a higher quote, while clear claim details can help provide context.
Business location
Rates and requirements vary by state and by carrier, even when a consulting firm serves clients nationwide.
Business driving
Frequent client travel, employee drivers, or company-owned vehicles may increase commercial auto exposure and affect that quote.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
For consulting firms operating across the country, state requirements, client contracts, and carrier underwriting can affect coverage options and quotes.
State requirements
Insurance requirements can vary by state, particularly for workers' compensation and commercial auto coverage.
Client contracts
Clients may require specific coverage types or limits before work begins, so contract obligations can affect the policies requested.
Carrier underwriting
Carriers may evaluate consulting specialties, client industries, and operating details differently when preparing a quote.
333
Quotes analyzed
48
States represented
5
Coverage lines
BEST RATE
How to get the best rate
Prepare accurate records
Gather current revenue, payroll, employee, service, vehicle, and claims information before requesting a quote.
Define your services
Describe exactly what you advise on and separate consulting work from unrelated services you do not provide.
Document your controls
Use written scopes of work, client approvals, recordkeeping procedures, and clear responsibility boundaries.
Review limits and deductibles
Base limits on your contracts and exposures, then choose a deductible your business could reasonably handle after a claim.
FAQ
Common questions
What business insurance does a business consultant need?
The right coverage depends on the firm's services, employees, property, vehicles, and client contracts. Common options include general liability insurance, professional liability insurance, workers' compensation, commercial auto insurance, and a business owners policy.
Does general liability insurance cover consulting mistakes?
General liability insurance generally addresses covered third-party bodily injury, property damage, and related claims rather than allegations about professional advice. Professional liability insurance may respond to covered claims involving consulting errors, omissions, or negligence, subject to policy terms.
Do solo consultants need workers' compensation?
A solo consultant may not need workers' compensation if there are no employees, but requirements vary by state and work arrangement. Client contracts can also request coverage even when it is not otherwise required.
Can a business owners policy cover a consulting firm?
A business owners policy may combine general liability insurance with coverage for eligible business property. Available coverage, limits, and eligibility depend on the firm's operations and the carrier's underwriting.
How can I get a business insurance quote for my consulting firm?
Get a free business insurance quote by providing details about your services, revenue, employees, contracts, property, vehicles, and claims history. At Tivly, we help connect business owners with a licensed insurance partner based on the realities of their work.