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Business Insurance for Consultants

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

graphic designer creating a digital design

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
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
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
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 


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
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.

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.

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. 


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.


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.

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
Why Chubb

A bespoke approach to small business insurance

Total account solutions

We offer fast and easy options to cover all your insurance needs.

Efficient claims handling

With 95% claims satisfaction, we don’t just process claims, we strive to make things right.**

Financial strength

Our policies are backed by Chubb’s financial strength and stability. 

Tailored for you

Are you a Chubb agent or broker?

Get the information and resources you need.

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Get a Quote
Get a Quote

Let's build the coverage you need, together

*Available through your independent insurance agent or broker.

**Scores are for paid claims, personal and commercial lines, combined; surveys conducted by Chubb averaged over a 5-year period (2017-2021).