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Self-employed consultants and consulting companies provide advice to their clients in a specific area of expertise. Clients typically seek the assistance of consultants for a short period of time in an area such as human resources, marketing, public relations, law or finance with the intention of improving their company's product.

General Liability Insurance for Consultants – The premises liability risks are those that are normal for an office exposure including trips/slips/falls, contact with sharp objects, electrical shocks, and shelving collapses. The visitors primarily consist of clients. Visits are usually restricted to the lobby and offices. While on-site third party injuries are rare, lawsuits may arise if consultants cause bodily injury or property damage losses to clients or other third parties while on a work-related visit.

Professional Liability (Errors and Omissions) Insurance for Consultants – Depending on the type of consulting that is being done, errors made by consultants resulting in economic damages could result in lawsuits from third parties.

Workers’ Compensation Insurance for Consultants – Consultants are subject to repetitive motion injuries due to the frequent writing and research activities involved in the profession. Back injuries may occur in office environments resulting from the lifting and moving of furniture, file boxes, supplies, equipment, etc. All employees should be trained in proper lifting techniques and should ask for help before attempting to move any objects that are heavy or awkward.

Business Auto Insurance for Consultants – If consultants drive off-site often for business purposes, there is a risk of an automobile accident. Vehicles may be owned, non-owned, hired or rented. Personal Auto Liability insurance is required of all employees who drive their own vehicles for business use. A minimum of $300,000 combined single limits must be maintained at all times.

Property Insurance for Consultants – Consultants generally work in a typical office environment and loss of property is usually due to fire. Valuable items that may be lost include computers, documents, data stored on computers and specialized equipment, some of which may be transported to and from a main office and the workplaces of clients. Maintaining an off premise electronic back up of all documents and data is essential.

Crime Insurance for Consultants – The primary crime risk for consultants is theft from employers by dishonest employees. Employees may also steal from clients while at a work-related visit to a client’s company. Pre-screening procedures, such as background and reference checks, should be completed before any new employees are hired.