Business & management consultant's insurance

Price beat guarantee

We guarantee to beat your new insurance quote or renewal premium from any other insurer.

To redeem and for full Terms & Conditions, click here.

New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply.

Stolen laptop? Damaged mobile? We'll replace your essential tech within 24hrs of claim approval, with Business Tech Essentials.

Cover & claim limits apply. Mon – Fri 8am – 6pm, except Bank holidays

  • We can cover you if you work in your office, a co-working space, at home or when visiting clients.
  • No admin fees if you need to make changes to your policy.
  • 0% APR on your monthly Direct Debit payments in the first year.

    Over 18s, subject to eligibility.

  • We won't be beaten on price. We'll beat your new business insurance quote or renewal premium from any other insurer.

    New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply. Terms & Conditions.

Consultants’ Insurance that works for you

As a consultant, you know the value of expertise. Your clients trust you to guide them towards success through keen strategy and better business practices.

But no matter how good you are at your job, mistakes can happen. If your client acts upon advice that you’ve given them, and ends up losing money or suffering reputational damage in the process, they could hold you responsible. So, it’s important to cover yourself against allegations of negligence.

Protecting your business against legal costs from claims made against you isn’t the only thing you have to keep in mind. When you’re consulting, you’re often out of the office. So, insuring expensive equipment like your phone and laptop is important. If your smart phone gets damaged or stolen, you’ll need to be able to replace it so that you don’t miss any opportunities to connect with existing or potential clients.

Back at the office, you have additional assets to consider. If your building is affected by fire, flood or theft, having the right cover in place means you won’t have to worry about finding the funds needed to replace items or secure a new workspace, reducing the disruption to your workflow.

There’s a lot to think about when considering what to include in your insurance policy and only you know what’s right for your company. At Direct Line for Business, we put you in control of your policy. You can use our online tool to select the different types of cover you need.

Your cover options

There are many different types of business insurance and you need to make sure you've got the cover that's right for you. Add any of the following cover options to your Consultants' Insurance to create a policy that precisely fits your needs. These covers are subject to policy conditions and limits.

  • Professional indemnity

    Giving advice to your clients is central to your work as a business management consultant, and there can be serious consequences if a client believes you’ve provided guidance that has been detrimental to their business. Professional indemnity insurance would cover your legal expenses and any compensation costs you have to pay, if a client makes a claim against you.

    Many clients will ask you to provide proof of professional indemnity cover before they agree to work with you, particularly if they’re a local authority or a larger company. Our downloadable policy documents mean you can instantly show your clients proof of your insurance, allowing you the speed and flexibility your business needs to thrive.

  • Public liability

    Consultancy work means that you’re often out and about with clients or at their offices. If someone is injured by you, or you damage their property (for example, if you spill coffee on someone’s laptop and it stops working), they might make a claim against you. Public liability insurance will cover your legal expenses and compensation.

  • Employers' liability

    This covers the costs you have to pay if an employee gets injured or becomes ill because of the work they do for you and decides to take action against you. In most cases, employers’ liability insurance is a legal requirement if you have employees, both temporary and permanent. At Direct Line for Business, we will cover you for £10 million, as standard.

  • Buildings cover

    If your owned or rented property becomes damaged due to an insured event, for example by a flood or fire, buildings insurance will cover the rebuilding work. This includes the costs of debris removal and architects’ fees.

    Equipment breakdown cover is included as standard, so if your equipment (that forms part of the building) breaks down and you need to repair or replace any items, this policy will cover the costs. Equipment could include boilers and fire/burglar alarms. The breakdown must not be due to wear and tear.

  • Contents and equipment cover

    If you rent or own an office, you may want to cover your office contents, equipment and documents. You can also cover your expensive electrical items in case of damage, breakdown (excluding wear and tear) or theft.

    We also offer a cover option that allows you to insure these items on the go, which is helpful if you go on site visits or work at different places. If your work laptop fell on the ground and the screen cracked, we’d cover the cost of replacing it.

    And now with Business Tech Essentials, if your essential tech is stolen or damaged, we'll replace it within 24 hours from claim approval.

    When you cover your electrical items and tech you get Business Tech Essentials. Which means if your essential tech - like laptops, mobiles or tablets - are stolen or damaged we'll replace them within 24 hours of claim approval.

    Cover & claim limits apply. Mon – Fri 8am – 6pm, except Bank holidays.

  • Business interruption

    If the premises where you are working becomes unusable due to an insured event such as a fire or flood, business interruption will cover the extra costs of setting up somewhere else. It can cover you until you can return to your normal place of work, as well as for loss of turnover if you’ve insured your premises.

    For example, if the client premises you’re working at is damaged and has to close, we’ll cover the extra costs for you to work elsewhere. We also cover you if your main client can’t trade because their building is damaged, which results in a loss of business for you, up to a limit of £50,000.

    Our business interruption cover can insure you if you or one of your key employees becomes seriously disabled and unable to continue work. We will cover the incurred costs, up to £25,000, to minimise any interruption to the business.

  • Theft of takings

    If your business handles cash and cheques, this policy will cover you in case of theft. This includes business takings stolen from anyone working for you.

  • Cyber cover

    If you hold sensitive customer data, process payments online or just want peace of mind, Cyber cover should be considered. Because cyber criminals can be clever. Catching you off-guard and tricking you in to doing something you shouldn't, like opening an attachment in a fake email, or finding a way through your cyber-security. If this happens and they get their hands on your data or access to your bank account, the impact on your business could be devastating.

    But, with our Cyber cover, you can call the experts, 24/7. They'll be on it, helping you to stay in business and recover in three ways following a cyber incident:

    Recover financially

    • Covering loss of business income
    • Covering recovery costs, like fixing damage to your computer systems or data restoration
    • Covering fines (where insurable by law) and compensation costs following a data breach

    Recover your reputation

    • You get access to public relations and crisis management experts to minimise damage to your brand and business.

    Recover your systems and help prevent future incidents

    • Technical experts will help fix your IT issues and provide advice on how to prevent future cyber incidents.

    Read more on Cyber cover here.

    Available on new and renewal policies only. For Retail and Office & Professional customers only.

  • Legal expenses

  • Personal accident

    Personal accident cover provides payment if anyone in your business between the ages 16-75 is unable to work because they've been injured in an accident, whether in a business or personal capacity.

    We'll pay a lump sum of £50,000 if there is an accidental death, accidental loss of limbs or sight, or if someone in your business becomes permanently disabled following an accident.

    If someone in your business is unable to work due to a temporary injury, then after 7 days we'll pay their normal net weekly earnings up to £500 for up to 104 weeks.

    You can choose Personal Accident as an add-on once you've completed your quote.

How can we help?

Get a quote, talk to us via live chat or call us on
0345 878 5622.

Visit our contact us page to view our opening hours.

Policy documents

If you have an existing quote or policy with us, you can view and download your policy documents from the My Account page.

We tailor all our policies, so your documents only show what you’ve chosen to cover.

Below is a summary of a generic policy, from 25 October 2020 onwards, which shows the main covers and exclusions in our policies.