Business Insurance for Consultants

As a consultancy director, you carry the weight of delivering outcomes for your clients and meeting their expectations. Clients rely on you to make key business decisions, but if they don’t go to plan, it’s your advice they’ll question.

Research suggests 80% of SMEs are underinsured. This might mean a commercial building is undervalued with these building typically covered for just 63% of their actual replacement value. Or it might mean being covered for the tailored risks that your consultancy businesses face like being accused of poor advice and wrongdoing, resulting in costly claims you’re not prepared for.

That’s where our free business insurance health check can help. Our experienced team will review your current cover, highlights any gaps and opportunities to make sure you’re fully protected.

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Why consultants choose us for their commercial insurance

We work with owner-managed consultancy businesses across the UK, typically with up to £5 million turnover. Whether you work independently or lead a team, we’ll get to understand how your consultancy business runs and create a tailored policy around your actual risks.

This is the benefit of working with a specialist commercial broker like us. Wherever you’re based and whatever your needs, we’ll support you with expert advice and flexible insurance options. You’ll get a personal service that you won’t get with many other insurers.

Case study: How we helped a consultancy client improve cover and save money

An independent financial advisory firm based in London came to us after receiving a renewal quote of £21,000 from their existing broker.

The policy included £500,000 of professional indemnity (PI) cover and directors’ and officers’ (D&O) insurance, but they weren’t confident it would reflect how their business would evolve. We carried out a free business insurance health check to identify opportunities.

The results speak for themselves:

Increased professional indemnity cover for £1 million (up from £500k).
Maintained directors’ and officers’ cover.
Reduced the premium to £12,485 (a 40% saving).

We’re pleased to have got stronger protection in place for a reduced premium, giving them confidence that their insurance supports their work, reputation and plans for growth.

What your consultancy cover can include

No two consultancy businesses are the same and your insurance should reflect that. First, we’ll understand your business before tailoring your policy around your risks, assets you own, contracts and the advice you provide.

Depending on your needs, cover can include:

Professional Indemnity Insurance: Essential for all consultants. Covers claims of negligence, errors, omissions or misrepresentation – plus the legal costs of defending your work. Required by many client contracts and industry bodies.
Public Liability Insurance: Protects you if a client, contractor or visitor is injured due to your business activities. Also covers property damage caused during client site visits.
Employers’ Liability Insurance: A legal requirement if you employ anyone, even part-time staff or apprentices. Covers illness or injury caused by work.
Cyber Insurance: Increasingly relevant for consultants handling sensitive business data. Covers losses from cyberattacks, ransomware, accidental data loss or system breaches.
Business Equipment and Office Cover: Whether you work from home or an office, this protects laptops, phones, furniture and files from fire, theft or accidental damage.
Legal Expenses: Helps with contract disputes, debt recovery, employment issues and regulatory investigations. Particularly useful for sole traders or consultants without in-house legal support.

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Speak to us about our commercial insurance

Our tailored business insurance policies for consultants ensure you get the right protection at the best price. Fill in your details below and our experienced Commercial Team will be in touch with you shortly.

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