Construction Consultant Insurance: Cost & Quotes From $11/month

The construction industry is rife with risk. Each construction project you undertake as a consultant is unique and comes with its set of challenges. Unfortunately, some of these risks come into reality. The consequence is often disruption and derailment of the project. In worst-case scenarios, these risks might lead to financial strain and loss of business. 

Consider getting insured just like management consultants and engineering consultants. Whether you are dealing with poor project management, poorly written contracts, unknown site conditions, poorly defined scope, or issues with subcontractors, it is best that you invest in comprehensive insurance. Particularly, you want to get construction consultant insurance. 

Construction consultant insurance is a specialty insurance that provides protection and financial compensation in case of lawsuits, business property damage or loss, employee injuries, and more. 

Here are the different construction consultant insurance policies you must consider getting as a construction consultancy owner.

Construction Consultant Liability Insurance 

Just like legal consultants and lactation consultants, you also need general liability insurance. General liability insurance for construction consultants protects you against claims for:

  • Third-party property damage 

  • Third-party bodily injury 

  • Copyright infringement, slander, and libel

This construction consultant liability insurance policy comes in handy as the risk of bodily injury and physical damage to property is relatively higher in construction than it would be in other industries. 

Suppose any of these events were to occur at your worksite. If you already have a commercial general liability policy, it will cover any arising medical bills, property repairs, and replacement costs. 

When discussing a general liability insurance policy with your insurer of choice, it would be prudent to make sure that they include products and completed operations coverage as part of their offering. 

This coverage provides your consultancy with financial protection against lawsuits if there is property damage or bodily harm due to the construction project you worked on. 

Errors And Omissions Insurance for Construction Consultants

As a construction consultant, you might need to hire architects, engineers, and other sub-consultants to work on your behalf to deliver the design for the project. 

In this role, if any of these individuals were to underperform or fail to deliver up to the expected standard of care, your construction consultancy firm is held liable. Such a scenario is why you ideally need error and omissions insurance, also known as professional indemnity insurance. This policy for construction consultants, environmental consultants, and other consultants covers: 

  • Compliance and reporting errors such as inputting incorrect figures or overlooking an important detail 

  • Missed deadlines 

  • Breach of confidentiality 

  • Violation of good faith 

  • Claims of negligence 

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Workers Compensation Insurance for Construction Consultants

An additional policy you must get is workers’ compensation insurance. This policy for construction consultants, environmental consultants, and education consultants  covers all the resulting costs for you and your employees in the event of an occupational injury or disease. 

It is prudent to mention that most states require that, as a construction consultant with a few employees, you provide proof of workers’ compensation insurance. 

Workers’ compensation insurance protects you and your employees by covering all arising expenses such as:

EMT Service And Medical Treatment

If you or an employee sustained an occupational injury or experienced the effects of a work-related disease while doing tasks, workers’ compensation insurance will pay for paramedic and emergency medical treatment fees. 


If the physician requires you or an employee to stay in the hospital to fully recover from an occupational disease or injury, workers’ compensation will cover bills such as room fees, food fees, x-ray fees, nursing fees, etc. 


You or an employee can use the funds of workers compensation insurance to buy medicines for a work-related injury or disease.


Insurance companies allow you or an employee to use workers’ compensation insurance for covering rehabilitative expenses in case impairment is sustained due to an occupational disease or injury.

Lost wages

Workers’ compensation insurance also functions to cover lost wages if you or an employee can’t provide consulting services due to a work-related injury or disease. This comes in the form of a weekly allowance that’s equal to two-thirds or 67% of the average weekly wage.

Death benefits

In case of death due to an occupational disease or injury, you or an employee can receive death benefits from workers’ compensation insurance. The policy will cover funeral expenses and provide an allowance to dependents. 

Does The Law Require The Owner Of A Construction Consulting Firm To Be Covered By Workers Compensation Insurance?

This depends on where you’re operating as a construction consulting business. But in most cases, state laws don’t require business owners to get workers’ compensation for themselves. Because of this, insurance companies give you the option of excluding yourself as an insured. 

Can You Insure Independent Contractors Through Workers Compensation Insurance?

Independent contractors of your consulting firm, if there are any, can be insured through workers’ compensation insurance. All you have to do is name them as additional insureds. This may come at a cost or no cost at all.

But note that there’s no need to do so unless you want to look after people working for you. Most state laws don’t require workers’ compensation insurance for independent contractors. Therefore, you don’t risk fines or penalties by not covering them. 

Commercial Property Insurance for Construction Consultants 

It’s impossible to work as a construction consultant without an office. Your office might be a condo, a dedicated commercial space, or a private room at home. Regardless of which, protect your office and its contents through commercial property insurance. 

Commercial property insurance for construction consultants, HR consultants, and other business consultants helps you account for repair or reconstruction expenses if your construction consulting office is damaged or destroyed by:

  • Fire

  • Theft

  • Vandalism

  • Civil commotion

  • Riot

  • Malicious mischief

  • Sinkhole collapse

  • Volcanic action

  • Sprinkler leakage

  • Vehicle

  • Aircraft

  • Hail

  • Snow

  • Rain

  • Winds

Additionally, commercial property insurance will also recover your financial losses if the perils cause the damage or loss of these items:

  • Signage

  • Money and securities

  • Computers

  • Client records

  • Business records

  • Furniture

How Much Money Can You Get From Commercial Property Insurance?

Commercial property insurance for construction consultants provides a minimum $15,000 contents coverage and $120,000 building coverage. Insurance companies allow you to customize to get higher limits. 

What Perils Can’t Commercial Property Insurance Cover?

Commercial property insurance can’t protect your office and its contents against these perils:

  • Floods

  • Mudslides

  • War

  • Landslides

  • Termite damage

  • Normal wear and tear

Moreover, you can use commercial property insurance to recover losses in case laptops and other  devices for work becomes damaged or lost during transit. 

Employer’s Liability Insurance for Construction Consultants

Most insurance providers will include employer’s liability insurance as part of their workers’ compensation insurance policies. The former is meant to help pay for any lawsuits brought against your business by aggrieved employees. If your employees were to claim unsafe working conditions as a reason for their bodily injury or disease, this policy for construction consultants, safety consultants, and sleep consultants will cover any arising costs or fees from the judgment. 

Commercial Auto Insurance for Construction Consultants

Further, suppose you have a motor vehicle that you use to move from one construction site to the other. If there were to be an auto accident and an individual in your employment or a member of the public got hurt, you would have to cover all resulting medical bills, legal expenses, and any property damage as a result. 

If you currently hold commercial auto insurance for construction consultants, immigration consultants, and marketing consultants, there’s no need to pay these costs out of pocket. 

It is important to check if the commercial auto insurance of your construction consulting business provides the minimum liability limits required. Note that each state in the US requires different levels of commercial auto coverage from business owners.

Equipment Insurance for Construction Consultants

Further, chances are you have equipment that you use to dispense the consulting service. You will be required to move this equipment from one place to another. Suppose these tools and supplies were stolen, vandalized or destroyed; you risk business closure. 

However, if you have equipment insurance for construction consultants and IT consultants, it covers the repair or replacement of said tools and supplies. That way, your business can be up and running again even after the unexpected happens. 

Cyber Liability Insurance for Construction Consultants

To protect your data and that of your clients, it would be best to purchase cyber liability insurance. As a construction consultant, chances are that your firm is heavily reliant on technology. 

You likely purchase software or invest in smart technology to manage different tasks and provide excellent outputs. This opens up an avenue through which threat actors can gain access to your IT ecosystem to compromise your data and that belonging to your clients. 

If a data breach occurs, cyber liability insurance coverage caters to all arising costs. This will include the cost of alerting clients, remediating the intrusion, or fines you might need to pay if the client believes the data breach was your fault. 

Bonds for Construction Consultants

Finally, you ought to consider getting license bonds or surety bonds. You’ll find that some states and cities mandate that you produce proof of the license and surety bonds before you can provide your clients consultancy services. 

These bonds are legally binding contracts that mandate your business to pay for any labor required to complete the consultancy. Some clients will only award you a contract if you provide proof of the bonds. The latter is considered proof that the business is financially sound and, as such, will be able to perform needed services as agreed upon. 

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Construction Consultant Insurance Cost 

Several factors contribute to construction consultant insurance cost. These include the size of the consultancy business, the risks you are exposed to, and the value of the equipment you use.

In most instances, you will pay $32 per month or $384 per year for general liability insurance for construction consultants. This policy often has a $1 million coverage limit and will cover all third-party bodily injury and property damage claims. 

To give you a better idea of the cost of construction consultant insurance, here’s a table showing the rates of the best construction consultant insurance companies:

Cost per Month Cost per Year Best for
NEXT $26 $312 Best overall; Fastest general liability insurance for construction consultants
CoverWallet $27 $324 Construction consultant insurance quotes comparison online
Tivly $28 $336 Comparing construction consultant insurance quotes over the phone
Hiscox $29.16 $349.92 Independent construction consultancies


Get the best construction consultant insurance by comparing quotes. Click the “Get Quotes” button on this page and look at how the offers of carriers differ.  

Cost Of Other Insurance for Construction Consultants 

When it comes to the cost of the workers’ compensation policy, the average premiums will be $54.37 per month or $652.44 per year. Note that each state sets its own requirements for workers’ compensation policies. 

The premium for commercial auto insurance is $183.58 per month or $2,202.96 per year. This policy will pay for third-party property damage and medical bills in the event of an accident. 

Finally, for the tools and equipment insurance, you’ll pay $13 per month or $156 annually. 

Compare Cheap Construction Consultant Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Construction Consultant Insurance Companies 

These are the best construction consultant insurance companies. Read to know their pros, cons, and rate for a $1 million general liability insurance. 

NEXT Construction Consulting Insurance


  • Best overall

  • Issues an online proof of insurance instantly

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you bundle two or more types of construction consultant insurance policies 


  • Couldn’t find any

NEXT launched its business in 2015 with the aim of providing cheaper insurance online tailored to the needs of small businesses. You can have the construction consultant insurance specifically tailored for your business for $26 monthly and $312 annually. 

This policy will include general liability insurance, professional liability insurance, commercial property insurance, and workers’ compensation insurance. If you are looking for instant construction consultant insurance at cheap rates with a fully online quoting and purchasing process, NEXT is the insurer for you. 

Best for: Best overall; Fastest general liability insurance for construction consultants

Average cost: $26 per month 

Our rating: 10/10

CoverWallet Construction Consulting Insurance 


  • You can cancel the policy anytime

  • Prospective policyholders can compare insurance quotes online 

  • You can purchase the policy online or through the phone 24/7 

  • No hidden charges 


  • CoverWallet is a broker and not an insurance company

If you are in the market for a seamless construction consultant insurance experience that is easy to shop and manage online, then CoverWallet’s construction consulting insurance is the product for you. 

For $27 per month or $324 annually, CoverWallet, based in New York City, offers you general liability insurance that includes rented premises liability coverage and products and completed operations coverage. Consider bundling this with commercial property insurance for more comprehensive protection. 

Best for: Construction consultant insurance quotes comparison online 

Average cost: $27 per month

Our rating: 8/10

Tivly Construction Consultant Insurance


  • Compare construction insurance quotes over the phone

  • Responsive customer service

  • Will take you to partners if it can’t provide coverage


  • You need to call to get a quote 

Tivly (formerly CommercialInsurance.NET) offers general liability, commercial property, commercial auto, cyber liability, and other insurance policies for construction consultants. 

This company requires you to call. A representative will create a customized coverage and will determine its price. 

Call Tivly now to compare quotes over the phone and get your tailored construction consultant insurance. 

Best for: Comparing construction consultant insurance quotes over the phone

Average cost: $28 per month

Our rating: 10/10

Hiscox Construction Consultant Insurance 


  • 14-day money-back guarantee 

  • Quotes are processed within a few minutes of request 

  • A construction consultant insurance policy can be purchased online 

  • There are underwriting experts onboard 


  • BOPs are not available to companies with less than ten employees 

  • Construction consultant insurance cover is not offered to consultancies in Alaska

If you are in the market for an international insurance provider with extensive reach, you must consider Hiscox. The insurer started in 1901 and is best known for offering liability policies with worldwide coverage. 

For $29.16 per month or $349.92 annually, you get general liability insurance. Invest more on premiums to get professional liability insurance. Your business is also viable for the CyberClear365 policy that’s a comprehensive cyber liability coverage and will sufficiently protect any business in today’s digital landscape. 

Best for: Independent construction consultancies 

Average cost: $29.16 per month 

Our rating: 8/10

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