Business insurance for consultants

Protect your consulting business and assets with insurance that’s tailored to suit your needs.

Why you need consultant insurance

Whatever your specialty – financial services, management, operations, HR, or something else – certain risks have to be considered. State Farm® can help you build an insurance policy that protects your consulting business and its assets while you focus on doing great work for your clients.
  • Your client’s workplace looks safe, right? And you’re always careful to lock your car. Problem is, your laptop is pretty tempting for a clever thief, who isn’t really worried about you losing the best reports of your career.
  • Clients don’t like to take unnecessary chances, especially with external professionals. That’s why they’re likely to require consultants to have proof of insurance before engaging them.
  • Suppose a client visits your office, trips on something, and hurts herself. Even small accidents can have major negative impacts for your small business.

Consultant insurance coverages include

We’ll start with a package of coverages most consultants choose. Then we’ll help you customize them to fit your unique consulting business. The result? A policy that keeps you adequately covered at a competitive price, without weighing you down with insurance you don’t need.
  • General liability insurance helps cover the damages, medical and legal fees if you accidentally hurt a client or damage their property while conducting business. Most clients won’t even engage a consultant who doesn’t have this kind of insurance.
  • Loss-of-income insurance helps you make ends meet if you’re business is unable to operate due to a covered incident.

Consider adding additional coverages

Some consulting businesses need additional coverage to deal with increased risk. Not a problem because your State Farm agent will work with you to understand and help meet your needs.

Commercial auto

Commercial auto covers the cars, trucks, vans, and other vehicles used for business. If you have multiple vehicles, talk to a local agent about available options.

Commercial liability umbrella policy

Commercial liability umbrella policy (CLUP) gives you an added measure of protection when your covered liability losses exceed your policy limits.

Data compromise and identity restoration

Provides coverages that work together to help your business and you get back on track after a data breach occurs or if you, the business owner, becomes a victim of identity theft.

Workers' compensation

Workers’ compensation helps protect your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.

Life insurance, group life, and buy-sell

Life insurance, group life, and buy-sell agreements often make sense for photo studios with two or more partners.

Rated “the best overall” insurance company for small business

We’re not ones to brag (okay maybe a little), but Investopedia
recognized State Farm insurance as the top choice for small businesses 1 like yours. Here’s why:

Agent know-how

Our agents are business owners too. They understand the unique needs of small business owners.


Customizable insurance

We offer an array of coverage options that can be combined into one policy for you.


Exceptional service

Since 1935, we’ve been here to help small business.

Talk to a local State Farm agent

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.

Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

  • State Farm Mutual Automobile Insurance Company
  • State Farm Indemnity Company
  • Bloomington, IL
  • State Farm County Mutual Insurance Company of Texas
  • Richardson, TX
  • State Farm Fire and Casualty Company
  • State Farm General Insurance Company
  • Bloomington, IL
  • State Farm Fire and Casualty Company
  • Winter Haven, FL
  • State Farm Lloyds
  • Richardson, TX
  • State Farm Life Insurance Company (Not licensed in MA, NY or WI)
  • State Farm Life and Accident Assurance Company (Licensed in NY and WI)
  • Bloomington, IL