Consultant Insurance2018-12-06T14:05:59+00:00

Consultant Insurance

Every consultant who offers professional advice or services should consider Consultant Insurance.
Protect your consulting practice against claims of negligence, errors or omissions.

Join thousands of Canadian businesses that are already protected!

Consultant Insurance

What is Consultant Insurance?

Consultant Insurance coverage protects consultants against allegations of negligence or claims of financial loss through an errors & omissions coverage or a professional liability coverage. In case of alleged negligence resulting in bodily harm or property damage a commercial general liability insurance will provide coverage.

What does Consultant Insurance cover?

When requesting a Consultant Insurance policy package, make sure it covers:

  • Accidental injuries to customers or suppliers while visiting your office
  • Off-site injuries or property damage caused by yourself or an employee (e.g., while visiting a customer)
  • Damages caused by errors you commit (“errors & omissions insurance”)
  • Loss of information in case you are an IT consultant or you use networks and cloud based systems (“cyber liability insurance“)

Who needs Consultant Insurance?

By definition, any person or agency who offers professional advice or guidance for a fee is a consultant by definition.
If this is your case, you might be held liable for advice taht  results in any form of damage or doesn’t yield the promised results.

The following are the typical fields where consultants operate:

  • Business Management
  • Business Operations
  • Marketing and Advertising
  • Engineering
  • Construction
  • Technology and Business Systems
  • HR or recruiting
  • Web development or design

Without the right insurance coverage, your consulting practice could suffer severe financial stress due to a lawsuit. Independent consultants and freelancers are especially vulnerable.

Getting consultant insurance will have you covered and allow you to focus stress-free on running your practice.

What is the cost of Consultant Insurance?

The cost of a consultant insurance policy varies according to factors such as:

  • Industry
  • Level of experience in the industry
  • Revenue

It also depends on the nature of your work and the size of your particular business, but generally speaking, here is a breakdown of costs:

  • Business Consultants start at $400
  • Engineers start around $1000
  • Software developers start at $500
  • Photographers start at $300

Get a free consultant insurance quote right here.

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Which professions require Consultant Insurance?

Regardless of the type of consulting business you run, consultant insurance is critical:

  • Accountants

  • Accounting Firm

  • Actuaries

  • Advertising

  • Aerial and ground based Photographers / Videographers

  • Architects & Engineers

  • Appraisers

  • Bookkeepers

  • Building Designers (Bill 124)

  • Business Consultant

  • Civil Engineers

  • Collection Agencies

  • Design Firms

  • Employment Agencies/Recruiters

  • Engineers

  • Environmental Engineers

  • Financial Advisors

  • Financial Planners

  • Foreign Legal Consultants

  • Home Inspectors

  • Human Resources (HR) Consultant

  • Immigration Consultants

  • Information Technology & Computer Consultants

  • Interior Designers

  • IT Contractor

  • IT Specialist/Technician/Programmer

  • Independent Contractor

  • Product Designers

  • Lawyers

  • Management Consultants

  • Multimedia designers

  • Mortgage Brokers

  • Quality Control Consultants

  • Placement Agencies

  • Private Investigators

  • Project Managers

  • Property Managers

  • Paralegals

  • Publishers and Printers

  • Recruitment and Employment Agencies

  • Recruitment Consultants

  • Safety Engineers

  • Service Organizations

  • Solar & Wind Farm Engineers & Consultants

  • Staffing Agencies

  • Structural Engineers

  • Surveyors

  • Training Providers/Trainers

  • Travel Agencies

  • Travel Agents, Tour operators

  • Web-Site Designers

Common scenarios where Consultant Insurance is useful:


You design a customer database for a client and a bug erases some of the client data. The company sues you arguing that you caused a loss of $300,000 CAD. An Errors & Omissions policy would provide coverage of the alleged amount as well as your legal fees.

Marketing Consultant Insurance

You are helping a client with a marketing campaign and in an email exchange you inadvertently state that sales will increase by 10% as a result. Sales actually decline by 2% after the campaign launches and your client sues you. A professional liability policy would protect you in that case.

Architect Consultant Insurance

You help a home owner with the design plans for a new deck. A year later, when the deck is finished the client’s lawyer sends you a letter suing you for a flawed design that caused the deck to sink. Even if it wasn’t your fault, your legal fees could be covered by the right professional liability insurance.

What our customers say about us

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Learn why thousands of Canadian small businesses trust their insurance to us.


Zensurance has been the easiest company I’ve ever received insurance from. Simple, painless and responsive, look no further than Zensurance for your company’s insurance needs.


Chris Chan, Dwello

The Zensurance team was responsive, professional, and knowledgeable. Zensurance knew exactly what we were asking for after a few minutes on the phone. I would highly recommend them for liability insurance especially if you’re not sure what you need to protect your business.


Melissa Kwan, Spacio

The Zensurance transparent customer experience helped me identify and hedge dynamic operating risks.


Reid Horkins, Evree

Leading Canadian business insurance carriers
have partnered with us to serve you

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