HR Consultant Insurance

hr consultant insurance

Take Care of Your Business With HR Consultant Insurance

You’re dedicated to helping companies manage their most valuable resource — their people. But this also means your business faces risks. With insurance for HR professionals, you can focus on providing expert advice, knowing you’re protected.
 
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hr consultant insurance

Why Do You Need HR Consultant Insurance?

Whether it’s a potential lawsuit over employment practices or a personal injury claim, unexpected disruptions could impact your business at any time. HR consultant insurance is a collection of business insurance coverages designed to help protect your firm from the various risks you face as a consultant. Without coverage, you might have to pay out of pocket, which can be expensive. Insurance for HR consultants helps protect you from costly claims. 
insurance for hr professionals

Who May Need HR Consultant Insurance?

If you help manage another business’ human resources, you will likely need HR consultant insurance. Our insurance can help protect:
 
  • Recruitment consultants
  • Employee benefits advisors
  • Workplace compliance specialists
  • HR training providers
  • DEI consultants
  • Employee relations specialists
  • HR auditors
  • Talent management advisors
insurance for hr consultants

What Type of Insurance Do I Need as an HR Consultant?

Many HR professionals have a Business Owner’s Policy (BOP) because it’s a good foundation for insurance that can help protect your business from common risks.
A BOP combines three essential types of coverage that many HR professionals need into a single policy:
 
  • General liability insurance helps protect your HR business from claims it caused bodily injury or property damage to someone else.
  • Business income insurance helps replace your lost income if you can’t temporarily operate due to property damage caused by a fire, wind or theft.
  • Commercial property insurance helps protect your owned or rented building, as well as equipment, supplies and inventory that you use to operate your HR business, including:
    • Computers
    • Furniture
    • Printers
    • Shredders
    • Phones
    • Filing cabinets
It’s important to remember that a BOP won’t protect your business from every type of claim. You may need to get other types of insurance to increase your protection, such as:
 
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How Much Does HR Consultant Insurance Cost?

The cost of HR consultant insurance varies because every business has unique needs. Here are the average costs The Hartford’s small business customers in the same industry pay for some common types of insurance:**
 
  • BOP: $1,687 a year, or about $141 a month
  • Standalone general liability insurance: $810 a year, or about $68 a month
  • Workers’ compensation insurance: $1,032 a year, or about $86 a month
Insurers use different factors to determine rates, so what you end up paying may be different than the average. The best way to find out how much HR consultant insurance will cost your business is to get a quote.
hr professionals insurance

Proof of Insurance, When You Need It

Access your proof of insurance whenever you need it. We make it easy for you to get your certificate online.

Covering Your Operations

Running an HR consultancy means you’re handling sensitive matters. From advising on employee relations to implementing policy changes, there’s a lot at stake. The right insurance coverage can give you the confidence to focus on solutions instead of worrying about problems. 
The average slip-and-fall settlement costs between $10,000 and $50,000.2
general liability insurance for hr consultants

General Liability Insurance

“During an off-site training session, one of my client’s employees tripped over an AV cable and injured their wrist.”
 
General liability insurance helps cover claims that your business hurt somebody else. It can also help pay their medical bills. If your HR business gets sued, this coverage can help cover your legal costs.
business income insurance for hr consultants

Business Income Insurance

“A fire in my building caused severe smoke damage. When my office had to close for renovations, I had to cancel all my scheduled consultations.”
 
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities when you can’t operate your business temporarily. 

Taking Care of Your Team

Your employees work hard to meet your clients’ needs, but the nature of their work comes with everyday risks on the job. That’s why having HR insurance is important to the success of your team.
There were more than 502,000 cases of musculoskeletal disorders (MSDs) in 2022 that involved days away from work.3
professional liability insurance for hr consultants

Professional Liability Insurance

“A client of mine sued my business, saying the advice we gave on an HR matter caused them to get sued.”
 
Professional liability insurance helps protect your HR business from claims it made a mistake in the professional services given. It can help pay your legal costs, attorney fees and any settlements.
workers compensation for hr consultants

Workers’ Compensation Insurance

“One of my assistants noticed an aching pain in her elbow that got worse as she sat at her computer and typed. She was diagnosed with carpal tunnel and had to go to physical therapy.”
 
Workers’ compensation insurance gives your employees benefits to help them recover from a work-related injury or illness. It can help cover their medical bills and replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies. 

Protecting Your Property

Your office and equipment are key to keeping your business running smoothly. The right type of insurance for HR consultants can help protect your property.
Insider threats represent 43% of all data breaches.4
commercial property insurance for hr consultants

Commercial Property Insurance

“When I got to my office one morning, I noticed the front windows were shattered. Someone broke in at night, stole a few computers and ransacked our filing cabinets.”
 
Commercial property insurance helps protect the equipment, furniture and inventory you use to run your HR business.
data breach insurance for hr consultants

Data Breach Insurance

“My payroll auditor thought they got an email from our customer about changes to their staff. He downloaded an attachment and the next thing we knew, our computers were hacked. A message notified us that our client data was targeted.”
 
Data breach insurance helps your HR business respond to a breach if personally identifiable information (PII) or protected health information (PHI) gets lost or stolen. This coverage can help cover the cost to notify impacted customers and offer credit monitoring services. Some insurers call this coverage cyber insurance.

HR Consultant Insurance Made for Your Business

When you’re navigating the complexities of HR consulting, you need more than just insurance — you need a partner who understands your business. With more than 200 years of insurance experience, The Hartford knows the unique risks you face. That’s why we made HR insurance with businesses like yours in mind.
 
Find out more about other professions we insure.
 

Frequently Asked Questions About HR Consultant Insurance

Our insurance coverage is designed to help protect you from claims that could come up during everyday operations. HR consultant insurance is a collection of coverages that can help cover different claims. For example, if one of your clients trips, falls and hurts themselves in your office, a general liability insurance policy can help pay their medical bills. You can also get other types of insurance to help protect your essential equipment and any vehicles you use for client meetings or consultations.
Your HR consulting business needs insurance because you face risks every day. Without coverage, you’d have to pay out of pocket for costly claims. Some states may also require businesses to carry certain types of coverage, such as workers’ compensation, to stay compliant.
Our fast and free online quoting process is designed to fit seamlessly into your busy schedule. Simply get a quote online, and in just a few minutes, you’ll find insurance solutions that meet the unique needs of your consulting practice.
hr consultant insurance quote

Get a Quote for HR Consultant Insurance

Get the protection you need to confidently support your clients and build successful teams.
 
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Last Updated: April 9, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
2 Forbes, “Slip and Fall Lawsuit Guide 2024”

3 U.S. Bureau of Labor Statistics, “Injuries, Illnesses and Fatalities: Survey of Occupational Injuries and Illnesses Data”

4 HRM, “The Human Firewall: Why CHROs Need To Play a Larger Role in Cybersecurity Defense”
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
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