Insurance for consultants

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'll cover you if you work in an 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

Working as a consultant can be an incredibly stimulating and rewarding career path. Whether you've been hired to analyse data, uncover and solve problems, develop strategies or implement projects, you have the opportunity to make a real impact on someone's business.

However, this type of work can also be challenging. As a self-employed consultant, you are required to take on a lot of responsibility. When clients are paying for your advice, they expect you to get things right and there is little room for error. If you don't deliver the desired results, and your client believes you've harmed their business, they could file a claim against you.

That's why it's important to have consultants' insurance in place. If someone accuses you of negligence, we'll cover any legal fees or compensation claims you are required to pay. We'll take care of the risks associated with your business, so you can concentrate on achieving your clients' goals.

What type of consultants' insurance do you offer?

From HR consultants to PR consultants, business and management consultants to IT consultants, we cover many types of consultants from a wide range of industries.

We understand that every role comes with different responsibilities, so rather than offering a one-size-fits-all policy, we let you personalise your insurance. Using our online tool, you can pick and choose from the list of cover options below to build a policy that works for you.

Get a quote
or call us on 0345 878 5622

Your cover options

These covers are subject to policy conditions and limits.

  • Professional indemnity

    Professional indemnity insurance covers you if you make a mistake or give advice that costs your client business or money. Even if you don't think you've been negligent, you'll still have to pay legal costs if your client decides to take you to court, so it's important to have cover.

    Evidence of professional indemnity insurance is sometimes required by clients before they will agree to work with you, particularly if they're a local authority, so it makes sense to have cover in place if you are self-employed.

  • Public liability

    Public liability covers the legal fees and costs you're required to pay if you damage someone's property or they become injured on your premises. For example, if a client were to trip over your projector lead when you're giving a presentation, or if you spill coffee on their laptop and it breaks. We can offer cover from £1 million to £10 million.

  • Employers' liability

    If you employ one or more people, you are required by law to have employers' liability insurance. Employers' liability covers you if an employee becomes ill or is injured at work.

    Visit our employers' liability page to learn about exemptions to this rule.

  • Contents and stock

    Phones, laptops and specialist equipment can be expensive to replace, especially at short notice. Not having this equipment when you need it might also prevent you from completing work or meeting deadlines, which could cause you to lose income. Contents and stock insurance covers the tools that help you run your business against theft, loss or damage.

    At Direct Line for Business, you can choose to insure your business contents at your work premises and/or away from the premises, so you're covered when you're on the go.

    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 place you're working in - whether it's your office, a client's site or hot desk - becomes unusable due to an insured event like a fire or flood, business interruption will cover the extra costs of setting up elsewhere until you can return to your normal place of work.

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

  • 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.

Get a quote
or call us on 0345 878 5622

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.