What is business insurance for consultants?

You help businesses work better – it’s as simple as that. You’re able to get beneath the skin of a business, whether it’s through workshops, research and analysis, or employee interviews – and your clients reap the benefits.

But with innovation comes risk. If your advice leads to a financial loss for the client, or someone injures themselves visiting your office, you could be liable for a hefty compensation claim.

AXA’s business insurance for consultants protects you from unexpected legal and compensation costs if something goes wrong. Whether you’re a one-man band or lead a team of pros, we’ve got insurance you can flex to fit your needs.

Why do I need business insurance?

You’re a problem solver. You help businesses reach their full potential by making change happen. Trends and markets change everyday, and what might have worked for one could prove disastrous for the other.

Professional indemnity insurance protects you if your advice causes a financial loss and the client makes a claim against you. And because major business decisions can take years to come to a conclusion, you can buy insurance to protect work you’ve already done.

Public liability will safeguard you if someone injures themselves in your office or you accidently damage another business’ property, while employers’ liability is a legal requirement if you have staff.

How much does business insurance for consultants cost?

This cover is designed for business consultants.

But we help a wide range of consultants – whether you work in lifestyle, advertising or building consultancy. For a full list of the consultancy occupations we cover, go to the occupation look-up in our quote journey.

For more specific types of consultancy insurance, take a look here:

I’m a freelancer - do I still need insurance?

Yes, all businesses need insurance of some sort of insurance because they could be responsible for a client’s financial loss.

In fact, many larger businesses will only work with consultants who have professional indemnity, public liability and employers’ liability (if necessary) cover – getting the right insurance package could help you win bigger and better contracts.


What type of insurance do I need as a consultant?

Build an insurance package to suit your individual needs. Our flexible, made-to-fit model means you only pay for the bits you need, not the bits you don’t.

Professional indemnity

Up to £5 million cover if you’re found to provide advice, design or suggestions that have caused a financial loss for a client.

Find out more about professional indemnity insurance

Public liability insurance

Up to £5 million cover for legal defence costs and compensation, in case of injury or damage caused to a third party or premises. Temporary staff covered for up to 50 days a year and £250 compensation per day for court attendance for defence claims.

Find out more about public liability insurance

Employers’ liability insurance

Up to £10 million cover for legal costs and compensation to keep your staff safe, in case of illness or injury as a result of working for you.

Find out more about employers liability insurance

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