resizer image

Insurance for consultants

Expert insurance that’s tailored to your profession.

  • We'll cover you if you work in an office, a co-working space, at home or when visiting clients
  • 0% APR on your monthly direct debit payments in the first year and no admin fees if you need to amend your policy. Over 18s only, subject to eligibility
  • We guarantee to beat your new business quote or renewal premium from any other insurer.

    Excludes van. 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.

  • 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.

    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

    Cyber cover is important if key aspects of your business are run online or you handle customer data. Our cyber insurance will cover you for:

    • The costs you face as a result of cyber crime
    • Compensation and defence costs for a data breach or unintentional transmission of a virus
    • Loss of income following a cyber attack
    • The cost of responding to a cyber ransom demand
    • The costs to restore systems and recover data following a cyber incident

    You will also get specialist support for PR and crisis management, identity theft assistance and specialist advice to prevent viruses or hacking attacks after an incident.

  • Legal expenses

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 15th July 2018 onwards, which shows the main covers and exclusions in our policies.

Legal Document Service

Included as standard when you buy or renew a policy from 1st February 2016.

Register or log in to Direct Line for Business Legal Documents Service.

Read more
Legal documents icon

Make sure your business is compliant with the law

We offer a legal documents service, as standard, with our business insurance.

You'll get access to a library of legal documents, from employment contracts to health and safety policies, that can be tailored to your business and checked by a solicitor.