Business Consultant Insurance

General Liability insurance covers property damage if an employee causes property damage on the job. It also covers bodily injury if their actions cause someone else's injury.

Example... An employee accidentally knocks over and damages an expensive piece of equipment belonging to your client. General Liability Insurance covers your business' legal defense costs.

Professional Liability insurance is needed by professionals in technical fields. It covers you for claims made against you resulting from the provision of your professional service.

Example... An engineering consultant miscalculates the parameters of a blueprint, causing loss for the client. Professional Liability insurance covers this loss, and your legal fees.

Workers Compensation protects your employees in the event of a work-related illness or injury.

Example... An employee slips on a wet floor and injures their leg. They give up the right to sue you in exchange for receiving Workers Comp to cover their medical bills and lost wages while recovering.

Business Owners Policy (BOP) is for professionals who want to package together general liability and commercial property cover in one package at a reduced rate.

Example... You provide accounting consultancy services at an office without a ramp. A disabled client trips down the stairs, crashing into a window. BOP covers the repairs, their medical costs and associated legal fees.

Essential for companies that store sensitive client data. Cyber insurance will cover the costs to help your telecoms, tech or media company recover from data breaches or cyber attacks.

Example... Your data processing and consultancy company is hacked clients' bank details are stolen. Cyber Liability covers the legal costs if you're sued, and costs to recover the lost data.

Umbrella Liability can be a great solution for a business that needs more liability coverage than what is offered in their General Liability, Employer’s Liability or Auto Liability Plan.

Example... Your consultancy services lead to several companies losing money, exceeding the limits of your professional liability policy. Umbrella Policy covers the remainder of the claim.

Commercial Auto Insurance covers your company vehicles if involved in a road accident.

Example... On the way back from a job, your company truck collides with a motorcyclist, leading to injury and damage to their motorbike and your truck. Commercial Auto covers their medical bills and repair costs for both vehicles.