- Individuals & Families
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Many digital-savvy consumers look for it as a core or add-on option.
Many digital-savvy consumers look for it as a core or add-on option.
Many digital-savvy consumers look for it as a core or add-on option.
Chubb’s in-house technology makes it easy to integrate what we do into your customer experience.
Business Insurance for Consultants
Who we serve
- 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
A Business Owner’s Policy
- 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
- 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
Professional liability
Workers' compensation
Cyber
Umbrella
Commercial auto**
Experiencing a loss or claim against your business is more likely than you might think.
Here are some common scenarios.
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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.
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Breaking & entering
Emily, an event planner, was visiting a meeting site with her clients when someone broke into her office. The thief stole computers, phones, cameras, high-end furniture, décor, and much more. Having Chubb business personal property insurance helped Emily replace the stolen devices and valuables and get back to business quickly.
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Slip & fall
As Kai, an interior designer was walking through his showroom with a client, deep in conversation about which paint colors would pair best with the client’s new living room walls, the client slipped on an errant swatch of fabric. The client badly twisted her knee, and ended up needing a trip to urgent care, a knee brace, and physical therapy. Kai’s general liability policy from Chubb covered the client’s medical expenses, helping him maintain the client relationship.
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
Why do consultants need business insurance?
- 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
Insights and expertise
Does an LLC need business insurance?
Types of Small Business Insurance
The risks and rewards of running a family business
Key strategies for entrepreneurs to manage risks
Is setting up an LLC the best option for your small business?
How to start a consulting business
Small Business Insurance: Complete Coverage Guide
Business Owner's Policy (BOP): Coverage & eligibility
*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).