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5 Steps to Buying Consultant Business Insurance Online

Oct 25, 2021 · 4 minutes to read

Consultants discussing business strategies

Business insurance is an important way to protect your livelihood as a consultant. Taking the time to create an adequate safety net could go a long way towards ensuring the success of your consultancy for years to come.

But, you’re also busy. Researching which types of coverage you might need, getting quotes, and comparing policies might seem like too much work to take on when there’s so much else you need to do. You might not even know where to begin!

Fortunately, finding business insurance can be easier than you think. Here are 5 steps to buying consultant insurance online to help get you started.

1. Check your insurance requirements

As a small business owner, you may be required to have certain forms of insurance. This is often determined by state or local laws, the type of consulting you do, the clients you work with, and other factors. It makes sense to tick these policies off your list before considering others.

For example, all states except Texas legally require businesses to have Worker’s Compensation insurance if they have employees. This requirement may also extend to sole proprietors in some industries. Your state or local government website should have information on these requirements for different types of consultants.

Other forms of insurance may not be required by law, but they may be necessary to do with business with vendors, clients, or customers. For example, your commercial landlord might ask for proof of General Liability coverage before leasing office space to you. Clients and customers may expect you to have Professional Liability insurance, so they feel confident hiring you as their consultant.

2. Do a risk assessment

There are many different insurance products available to help protect all areas of a small business. However, not every type of policy will be relevant to you or your business. Doing a risk assessment of your consultancy could help you decide which insurance policies you may need.

A risk assessment can be as simple as thinking about the mistakes, accidents, and other issues that could derail your business. These might be risks that are common to most consultants, such as negligence or missing important deadlines. They can also be specific to your industry. For example, a management consultant may have different insurance needs than an IT consultant.

3. Shop around for policies

There are many companies offering consultant insurance, each with their own coverage options, policy wordings, and premiums. As a busy consultant, it may be tempting to just go with the first insurer you find so you can get back to work.

But not all policies are created equal. It’s important to carefully review your options and choose policies that will provide enough coverage for your small consultant business. Sites like BizInsure make it easy to compare consultant insurance policies and pricing across multiple insurance companies.

4. Choose your policy

Once you’ve received quotes from different insurers, it’s time to choose your policies. There are many factors to consider when buying consultant insurance, including coverage levels and premiums.

Protecting your small business is likely a big reason why you’re buying insurance. Claims and lawsuits can be financially damaging, often to both your business and personal finances. As you choose your insurance policies, you should carefully think about how much coverage you need. Lower levels of coverage generally mean lower premiums, but you still want to be comfortably protected in the event of an accident or other insurance claim.

5. Review your coverage annually

With any luck, your consultancy will grow in success over the years. As your small business grows and changes over time, your insurance needs will likely grow and change as well. Reviewing your consultant insurance annually (or more frequently) could help ensure that you are always adequately covered.

If there have been major changes to your small business or how you work, you may need to update your insurance coverage. This may include events, such as hiring employees, taking on larger contracts, or expanding the business into new geographic areas.

Find Consultant Insurance Today

BizInsure makes it simple and easy to find consultant insurance to match your small business’ needs. Coverage is available for those working in many industries, including management consultants, business consultant’s insurance, marketing consultant, and IT consultant insurance.

Visit BizInsure website or call to compare quotes from leading insurers across the country.

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The coverage you need for your business.

Business insurance is divided into different policies. We offer 4 types so it's easy to design the coverage that fits your business.

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The coverage you need for your business

Professional Liability Insurance

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General Liability Insurance

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Business Owner’s Policy (BOP)

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05:51 23 Nov 22
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23:55 09 Nov 22
The agent that I spoke to was very experienced and could tell that I was new at this and was very understanding and took the time to explain everything to me.
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23:09 15 Aug 22
For a small non-profit, the package I was given was affordable. The representative was polite, patient, understanding, and knowledgeable.
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The process was fast and easy and the professional staff was very knowledgeable with any questions that I had and ready to help
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Friendly agents. Timely replies. Fair pricing. This is a good fit for my business! Thank you, Noah, for all your help.
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I was in need of WC, GL and PL coverages for my business and was able to shop, discuss, confirm and purchase all the coverages in two days! This was a great experience, especially when "Time is Money". Noah Bowman was very professional and knowledgeable. Thanks!
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MOVING FORWARD, I WILL BE SENDING ALL OF MY BUSINESS TO THIS COMPANY !!!! Incredible customer service!!! Thanks
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Their representative clearly explained different kinds of policies to help me select the one appropriate for my needs and then helped me enroll by phone painlessly. By the end of the call, I had a policy in place.
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Eugene was Awesome!!!!
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Excellent solution for writers and authors professional liability policy as well as coverage for copyright and trademark infringement. Service was prompt and excellent.
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Done in less than an hour!
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Efficient, and great value. The agent was able to give us a quote and a new policy in a short period of time. Thank you
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I had a great experiencing obtaining several of my insurance needs as a landscaping company here in Northern Colorado. BizInsure's team took care of my needs and was very responsive to help with paperwork needed to secure a potential client account!
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I need a help getting errors and omissions insurance along with general liability. Jose was very friendly informative and was very patient with me during the process. He found me some of the best rates for the coverage that I needed. Highly recommend
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I had numerous conversations with several business insurance agents over a month's time. I also had several conversations confirming the policy inclusion/exclusions and asked many questions. My BizInsure agent was professional, knowledgeable and most important—detail oriented. Even after having an initial conversation a month earlier he knew and *remembered* all my personal/professional insurance needs. When I asked for additional information on the third call he was able to provide me with details very quickly. He was also VERY patient. That is a big plus in my opinion. It illustrated a high level of respect for my needs. I also found when I called back and asked to talk with the initial agent, the person who answered the call was able to get in contact quickly and my agent responded and returned the call within 5-10 minutes. The transaction was smooth, and I think it's a good sign should I ever need to make a claim. I highly recommend BizInsure.
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The rep was extremely helpful actually lowered my quote and made sure I was covered to fit my needs with my growing business! 5star!!
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Excellent service and prices.
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23:13 09 Mar 21
Mr. Daniel Scott was very responsive to my professional needs.
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Eugene deserves a raise! First time purchasing insurance and he made the process so simple for me. His patience and attention to detail left me feeling confident in my decision to choose BizInsure. Gracias Eugene!
Esined P.
23:32 17 Feb 21
The customer service provided by Jose was outstanding. He explained everything in a very clear/logical way and answered all of my questions. After providing all the information to obtain general liability insurance, Jose sent me the declaration page of the insurance for review. All of the information matched what I provided over the phone and there were no typos. The next day I called back to purchase the insurance which was easy and fast. Overall, my experience with BizInsure including the customer service by Jose exceeded my expectations.
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03:29 12 Dec 20
Hiscox/BizInsure made getting Liability Insurance very easy and reasonable.I expected it to be a long and complicated process and it was a nice surprise that they made it so uncomplicated. Thank you. Lisa
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Very quick to get in touch with you and good with follow up. Had some trouble retrieving my quote to log into my account initially but Daniel assisted me and the changes were made to get me into my account. Great value for the money.
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Very happy to be insured with this company. Professional, Timely, very helpful. Thank you Juan, you made it so much easier for me to understand.
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19:55 15 Sep 20
This company responded when I needed them to respond while facing a deadline. They are an excellent choice for business Insurance.
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02:41 27 Aug 20
I can't say enough good things about Daniel Santos kind and effective communication skills as an insurance agent. Daniel was so pleasant, friendly and efficient with helping me obtain insurance as a teacher. If I were to give Daniel a grade, he has earned an At . He made the process easy to understand, it was far easier than what I anticipated. Nancy S.
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00:47 26 Aug 20
I was in need of professional liability insurance for my sole proprietorship. A friend referred me. Everythng was quick and simple and AFFORDABLE!
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If you need Private Home Care Provider insurance for your company, BizInsure, LLC can get it for you!
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I was tryi9ng to find commercial liability insurance for my new comp-any and BizInsure was easy to use and very affordable which is great for me as a new business.
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19:01 14 Jul 20
Great service insurance prices are great for professionals looking to get insurance for businesses....
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21:51 04 Jun 20
Bradley Hoyle from the Biz Insure team was excellent to work with. Everything was quick and smooth. Great service, much appreciated!
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02:03 04 Jun 20
Anthony Spencer was great!! Very quick response time!! He was very Professional! I would suggest him because he helped me find a affordable rate and explained all the technicalities..
Fre H.
16:38 28 May 20
I was referred to Bizinsure by a industry trade group that I am a member of. It was easy to get a quote online and then received excellent customer service from Bradley H. to complete my policy purchase over the phone. I have shared this company information now with other business owners for their policy needs.
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22:11 08 May 20
This company was very precise with explaining services and made sure I chose the right business insurance coverage, great customer service at purchasing.
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01:30 05 May 20
Amazing
Jasmine Q
14:31 02 Dec 19
Trish is the most patient, professional and understanding insurance agent I’ve ever worked with. Trish has taken care of all my business insurance needs for the last couple years. I am really happy that I found an insurance agent that I know will take care of me & all of my concerns. I feel like a valued customer & I appreciate the great customer service that I get every time!!THANK YOU!
Dr. Youssef C. A.
17:21 14 Nov 18
Tricia helped me get insurance for my business. The task of obtaining a quote was really starting to frustrate me until I was referred to BizInsure through a different agency. Tricia got me a quote fast, and even took a down payment over the phone and issued the proof of insurance the same day. a+ service, would do it again in a heartbeat!! Thank you!!
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18:07 22 Jun 18
BizInsure was a great find! I did not have to fill out applications, and Tricia was able to quote and bind business insurance for me within half an hour.
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17:28 21 Jun 18
Started doing business again and needed a policy fast. Ramez was reasonable, helpful and the rates are OK. Buyer beware? Sure, for me it turned out OK this time. Worth a call.
Mark W.
23:42 13 Nov 17
Great customer service. I've been very inpressed with my dedicated representative that had helped me navegate my insurence needs. Thanks so much!
Graham B.
22:12 23 Jun 17
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