Business Insurance for Consultants

Supporting the work of graphic designers, career coaches, financial planners, and other consultants

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graphic designer creating a digital design

CONSULTING BUSINESS RISK

As a consultant the risks you face are unique — from theft and cybercrime to employee injuries and errors and omissions in professional services provided to clients.

With Chubb small business insurance, you can help protect your consulting business from the following risks:

Data breaches
Property theft or damage
Professional errors or omissions
Work-related illness or bodily injury

Protect Your Business

who we serve

Chubb insures a wide variety of consultants, including those focused on:

Advertising, media, and public relations
Business management
HR, careers, and executive coaching
Financial planning
Graphic arts and design
Interior decorating

Event and wedding planning
Project management
Education, training, and development
Audio and visual media
Sales, marketing, and strategic planning

Peace of Mind

Why do consultants need business insurance?

Whether you’re just starting out or have an established consulting business, insurance can help:

Protect your business from covered client lawsuits
Protect you from covered employee lawsuits
Support you if you experience covered property damage or loss
Meet your legal or contractual requirements
Provide peace of mind

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Experiencing a loss or claim against your business is more likely than you might think.

Here are some common scenarios.

Accounting error

While working for E&M Accounting, Olivia, an accountant consultant, was asked to set up investments for a client. Olivia mistakenly established a corporation, instead of a partnership, which ended up generating tax liabilities for the client. Under the firm’s professional liability policy, Chubb claims worked with Olivia to help make financial amends to the client.

Business Owner's Policy

A Business Owner’s Policy (BOP) can be customized to your consulting business, with coverage for:

Lawsuits alleging you caused a data breach or accidentally released private information or electronic data
Website failures that prevent a company from conducting business transactions
Loss due to computer fraud and fraudulent fund transfers
Damage to your rental car
Costs you sustain if your identity is stolen
Damage to mobile communications property such as tablets and laptop computers

Utility service outages
Costs to upgrade your business to current green standards during repairs after a covered cause of loss
Your liability to third parties for bodily injury, including mental anguish
Your liability to third parties for personal injury, including discrimination, harassment

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Optional Coverages

Chubb also offers a wide variety of optional coverages, tailored for consultants, which you can add on to your BOP.**

Client property theft – includes protection for their customers’ property, with no time limit and coverage for thefts occurring in multiple countries.
Employment practices liability: provides tailored coverage to offer better protection in a rapidly evolving legal landscape.

Hired or non-owned auto – liability coverage where staff use their own vehicles for work.
Privacy liability – provides protection against the fallout of a data breach, regardless of data format.

Additional Products

Consultants can access a total account solution to take care of their insurance needs. Consider adding these coverages to your insurance program.

General liability

Provides coverage against claims alleging property damage, bodily injury, and many other common risks.

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Professional liability

Protects you in the event of a lawsuit claiming you were negligent in providing professional services in some way, such as providing late, incorrect or incomplete advice. This also covers errors and omissions relating to expert opinions or advice you provided a client.

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Workers compensation

Provides funds and guidance when an employee is hurt on the job, helping them get healthy and back to work as quickly as possible.

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Cyber

This Enterprise Risk Management solution can help you prevent cyber incidents from happening and provides expert response services if your business is the victim of a cybercrime.

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Umbrella

Sometimes your standard insurance policy limits aren’t enough to cover what you’re up against. Umbrella insurance provides coverage over and above your existing policies to protect you from substantial lawsuits and losses.

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Commercial auto**

This coverage provides protection for vehicles you use for consulting business, including replacement or repairs if your vehicle is stolen or damaged, bodily injury liability coverage, and roadside assistance.

Why Chubb