Professional indemnity and public liability cover built for consultants, whatever industry or sector you advise.
Professional indemnity and public liability cover built for consultants, whatever industry or sector you advise.
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Consultant insurance is a combination of covers built around advising clients on strategy, operations or specialist subjects, professional indemnity for advice that causes a client a financial loss, public liability for injury or damage, and employers’ liability if you have staff.
Consultants often work across several industries, so cover needs to be broad enough to follow you between clients and sectors, not tied to one type of business.
The right consultant cover depends on:
Sectors you work acrossWhether you visit client premisesRunning workshops or trainingLevel of professional indemnity coverAnnual turnoverWhether you use subcontractors
Is this cover right for your work?
Is this cover right for your work?
This cover suits any business offering advice or expertise on a consulting basis.
This cover suits any business offering advice or expertise on a consulting basis.
Management Consultants
Advising on strategy and operations.
Independent Consultants
Working solo across multiple clients.
Business Advisers
Supporting growth and change.
Training & Workshop Facilitators
Running sessions on client premises.
Specialist Sector Consultants
Advising within a specific industry.
Consultancy Firms
Teams of consultants working together.
What could go wrong for a consultant?
What could go wrong for a consultant?
Most consultant claims come from strategic advice that leads to a client loss, a missed deadline, a data breach, or a dispute over project scope.
Most consultant claims come from strategic advice that leads to a client loss, a missed deadline, a data breach, or a dispute over project scope.
How could a claim affect your business?
How could a claim affect your business?
A single dispute can outweigh months of fee income for a small consultancy.
A single dispute can outweigh months of fee income for a small consultancy.
Bad Advice
Strategic advice leads to a costly business decision.
What cover may respond?
Professional Indemnity
Data Breach
Client information you held is exposed.
What cover may respond?
Cyber Insurance
Workshop Injury
Someone is hurt during a session you’re running.
What cover may respond?
Public Liability
Staff Injury
An employee is injured at work.
What cover may respond?
Employers’ Liability
Consultant insurance may be suitable if you advise clients on a professional basis, whatever your sector.
This cover may be suitable if you’re:
Working as an independent consultantRunning a consultancy firmAdvising clients across multiple sectorsWorking with a mix of long and short-term clientsUsing subcontractors or associatesEmploying consulting staffCover built around your work
Cover built around your work
Most consultants combine professional indemnity with public liability and cyber cover, plus employers’ liability once they take on staff.
Most consultants combine professional indemnity with public liability and cyber cover, plus employers’ liability once they take on staff.
Professional Indemnity
Protection if your advice or work causes a client a financial loss.
Cyber Insurance
Protects against costs following a data breach or cyber incident.
Business Interruption
Potential protection for lost income if an insured event stops you working.
Business Equipment
Cover for eligible laptops, documents and office equipment.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Legal Expenses
Additional legal protection for contract and client disputes.
There’s no fixed price. The sectors you advise in and the indemnity limit your client contracts demand are the biggest factors for consultants.
Sector you advise in
Some sectors carry higher professional indemnity risk than others.
Running workshops or training
On-site sessions can affect your public liability needs.
Level of professional indemnity
Higher limits mean a higher premium.
Annual turnover
Higher turnover generally means a higher premium.
Number of staff
More employees increase your employers’ liability exposure.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get consultant insurance
How to get consultant insurance
Getting consultant insurance takes four steps: tell us about your work, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Getting consultant insurance takes four steps: tell us about your work, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Tell us about your work
The sectors you advise in, and whether you have staff.
Choose your covers
Professional indemnity, public liability and any extras.
We compare specialist insurers
We search our panel of 20+ UK insurers.
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Consultant insurance guides
Consultant insurance guides
Setting an indemnity limit, client contracts and advice that carries risk.
Setting an indemnity limit, client contracts and advice that carries risk.
Starting a Consultancy? 5 Insurance Mistakes UK Professionals Make in Year One
When launching a consultancy in the UK, it is easy to overlook the importance of arranging consultant and professional services insurance from the very beginning. Many professionals make avoidable mistakes during their first year of trading. These oversights could leave a business exposed to legal actions, financial losses, or reputational damage.
Why Professional Indemnity Insurance Alone Won’t Cover Your Consultancy
Running a consultancy business in the UK carries specific risks, whether offering marketing advice, IT services, finance support, or management consultancy. While professional indemnity insurance is often seen as essential, relying on it as the only form of cover could leave gaps in protection.
Why Smart Consultants Don’t Skip Insurance: Lessons from UK Claim Stories
Running a consultancy means offering advice, insights, or professional services. But even experienced consultants can face unexpected issues. A client misunderstanding, data breach, or service error could lead to serious financial problems. That is why arranging consultant and professional services insurance is something many UK businesses choose to do.
Consultant insurance FAQs
Consultant insurance FAQs
Straight answers on cover, client contracts and cost.
Straight answers on cover, client contracts and cost.
Consultant insurance is a combination of covers built around advising clients on strategy, operations or specialist subjects: professional indemnity for advice that causes a client a financial loss, public liability for injury or damage, and employers’ liability if you have staff.
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