Pricing numbers are based on representative partner data for 2025-2026 general liability policies. Based on policies from Jan 1, 2025 through Aug 10, 2026.
GENERAL LIABILITY
Consultants $20/month for general liability
WHY IT MATTERS
Why Consultants need business insurance
Consultants can face claims tied to their advice, interactions with clients, business property and sensitive data. The right mix of policies can address these separate exposures, subject to each policy's terms.
SCENARIO 1
A client challenges your advice
A client alleges that your recommendation caused a financial loss. Professional liability insurance may help with covered defense costs and settlements, subject to the policy.
SCENARIO 2
A visitor is injured
A visitor slips in your office and claims an injury. General liability insurance may help pay covered medical expenses, legal costs or damages.
SCENARIO 3
Client data is compromised
An unauthorized party accesses sensitive client information stored in your systems. Cyber liability insurance may help with covered response and recovery expenses.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Consulting services
Advice involving complex financial, operational or technical decisions may create greater professional liability exposure and increase the quote.
Revenue and client volume
More revenue or a larger volume of client work can increase the amount of exposure considered during underwriting.
Employees and payroll
Adding employees or increasing payroll can raise workers' compensation costs and may affect other coverage lines.
Claims history
Recent or repeated claims can increase pricing, while a documented history without claims may support a more favorable review.
Where and how you work
Your primary business location and the amount of work performed at client sites can affect requirements and rating.
Limits and deductibles
Higher limits or lower deductibles generally increase cost, so align these choices with your contracts and risk tolerance.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: $100K–$499K
National data
National rate factors
In a national market, rates and requirements vary by state, insurer, consulting specialty and requested coverage.
State requirements
The state where your business operates can affect insurance requirements and how particular coverage lines are rated.
Client contracts
Contracts may request certain coverage types, limits or endorsements, which can affect the available policy options and cost.
Market fit
Insurance options can differ based on your consulting specialty, services and the types of clients you serve.
1,750
Quotes analyzed
51
States represented
7
Coverage lines
BEST RATE
How to get the best rate
Describe your services precisely
Write a clear summary of what you advise on, what you deliver and which tasks you do not perform.
Organize business records
Gather revenue, payroll, claims history, contracts and current policy details before requesting a quote.
Match coverage to contracts
Review client agreements for requested coverage, limits and endorsements instead of selecting them by guesswork.
Review each policy separately
Check whether each coverage line fits your current operations, vehicles, property, employees and data exposure.
FAQ
Common questions
What business insurance do consultants commonly consider?
Consultants commonly consider general liability insurance and professional liability insurance. Workers' compensation, commercial auto, property, cyber liability or a business owners policy may also fit, depending on employees, vehicles, property, data and contract requirements.
What is the difference between general liability and professional liability insurance?
General liability insurance addresses covered claims such as third-party bodily injury or property damage, while professional liability insurance addresses covered claims alleging mistakes, omissions or harmful advice. Each policy has its own exclusions, limits and conditions.
Do independent consultants need business insurance?
Independent consultants may need coverage even when they work alone. Client contracts, leased office terms and the financial impact of a claim can help determine which policies and limits make sense.
How much does consultant business insurance cost?
The cost depends on the coverage line, services, revenue, employees, claims history, location, limits and deductibles. Because each policy covers a different exposure, review its quote separately rather than treating business insurance as one combined price.
Does consultant business insurance cover every client dispute?
No, business insurance does not cover every dispute or loss. Coverage depends on the cause of the claim, policy language, exclusions, limits, deductible and whether the event falls within the policy period.