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

s an immigration consultant, you are expected to help clients looking to relocate from one country to another. Just like a legal consultant or management consultant, you work through a minefield of paperwork and a host of ever-changing legislation.

Given the nature of your work, it doesn’t take much to hamper a smooth immigration process. Your client’s documents could go missing, or you could make mistakes with their paperwork. A mistake on your part could cost the client a favorable outcome. To make matters worse, as it stands, the Immigration Act of 2014 makes it impossible to appeal. 

In such a circumstance, it wouldn’t be too farfetched to go all out and claim that a blame game will ensue. Emotions are likely running high, and you might find yourself being accused of negligence or failure to fulfill your professional duty. 

While you could rely on your reputation to help you navigate these murky waters, there’s a likelihood that the client might seek compensation for what they’ve invested into the immigration process. In this circumstance, you want to have someone fighting in your corner. That’s where immigration consultant insurance comes in. 

Getting immigration consultant insurance protects your work, your reputation as an immigration consultant, and your bank balance when mistakes inevitably happen. Once the claim is filed, it’s in the hands of your insurance provider of choice. You no longer have to worry over defending yourself, paying your legal team, or paying out of pocket for any compensation or damages. 

In today’s litigious environment, it is no longer a question of whether or not you need immigration consultant insurance. Seeing as mistakes will inevitably occur, you want to stay proactive about covering yourself as best as possible.

Immigration Consultant Liability Insurance 

General liability insurance is the first immigration consultant liability insurance you must purchase. This policy protects you against claims made regarding your legal liability for damage or injury suffered by a third party. Insurers will often also include product liability insurance as part of the general liability policy you purchase. General liability insurance immigration consultants, engineering consultants, and lactation consultants further grants protection against claims for slander, copyright infringement, and libel. 

Employer’s Liability Insurance for Immigration Consultants

The other immigration consultant liability insurance you must purchase is employers’ liability insurance for immigration consultants, environmental consultants, and other consultants. This policy protects you and the consultancy from claims made against you by your employees, citing that you are responsible for the death, disease, or injury sustained by the employee. 

Professional Indemnity Insurance for Immigration Consultants

Professional indemnity insurance for immigration consultants, education consultants, and HR consultants protects you against claims of a breach or alleged breach of professional duty. This policy also meets any costs of awards against you and legal defense. Unlike general liability insurance, this policy only responds to claims filed against your immigration consultancy during the policy year. 

Note that the limit of indemnity under your professional indemnity insurance is often capped at the maximum limit of the insurance provider’s liability under the policy. This is subject to whether the policy is on an aggregate or independent basis. You want your opinion of the risks to which you are exposed to guide your choice on the amount of professional indemnity insurance policy to purchase. 

It is prudent to mention that you can purchase a run-off professional indemnity insurance policy. This policy protects you and the immigration consultancy firm from future claims with respect to work you might have done in the past. This run-off policy is particularly handy if you intend to retire or sell your immigration consultancy business. 

Overall, the professional indemnity insurance covers: 

  • Data loss

  • Negligence 

  • Misrepresentation 

  • Abuse of intellectual property 

  • Defamation 

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Business Owner’s Policy for Immigration Consultants

As an independent immigration consultant, you are likely looking for cost-effective and comprehensive coverage. That’s where business owner’s policy (BOP) for immigration consultants, safety consultants, and business consultants comes in. It provides you with the opportunity to bundle your general liability insurance policy and property insurance policy. This two-in-one policy protects against third-party liabilities and property damage or loss. Even the most basic policy will cover risks, including: 

  • Customer injuries and property damage 

  • Damage to business property 

  • Slander and other related offenses 

Note that for your business to be eligible for a BOP, it needs to: 

  • Have fewer than 100 employees 

  • Need less than 12 months of business interruption insurance 

  • Make less than $1 million in annual revenue 

  • Run the consultancy from a small office or workspace

Workers Compensation Insurance for Immigration Consultants 

Even in a relatively low-risk field like immigration consulting, most states mandate that you get workers’ compensation insurance. Your employees are still susceptible to injuries from slip-and-fall accidents and repetitive motion, among others. If any of these were to occur, your business would be exposed to both legal and financial ramifications that might result in insolvency and, even worse, business closure. 

Investing in a workers’ compensation insurance policy for immigration consultants, construction consultants, and sleep consultants means you are covered in three primary areas. These include: 

  • Employee injury and death lawsuits 

  • State law compliance 

  • Employee work injury expenses 

If you run your immigration consultancy business in Ohio, Washington, Wyoming, or North Dakota, you will be required to purchase workers’ compensation insurance through a monopolistic state fund. This means that it might likely not include the employer’s liability insurance. However, if you purchase the policy from a private insurance provider, you could potentially fill this gap. 

Cyber Liability Insurance for Immigration Consultants 

Further, as an SME, you are a prime target for cyber threat actors. They are counting on your IT budget and workforce being limited. That way, they can easily get access to your IT ecosystem and compromise your data or that of your clients. 

Imagine a situation in which cyber criminals manage to steal the social security number or credit card information belonging to your clients. If any of this personal information is used in malicious means, there’s a likelihood that your clients will file a claim. 

That’s where cyber liability insurance for immigration consultants, IT consultants, and marketing consultants comes in. It caters for: 

  • Legal costs from a client’s lawsuit 

  • Fraud monitoring on affected accounts 

  • Customer notification and follow-up expenses 


As you purchase cyber liability insurance, you want to ensure that the policy includes both first- and third-party cyber liabilities. The first-party cyber liability insurance will cover all costs of data breaches to your own IT infrastructure. It pays for the expenses of notifying clients or customers of the breach, the cost of monitoring services for affected clients, and cyber extortion demands, including ransoms. 

Third-party cyber liability insurance covers you in the event that a data breach of a client is believed to originate from you. Suppose a client’s credit card information lands in the wrong hands due to a leak in your IT infrastructure, and they are defrauded of their money; It is quite probable that they will sue you. The third-party cyber liability insurance coverage pays for: 

  • Attorney  fees 

  • Court costs 

  • Settlements, fines, or judgments 

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Immigration Consultant Insurance Cost 

Immigration consultants pay $29 per month or $348 per year for general liability insurance. This will have a $1 million per occurrence limit with a $500 deductible. In addition, here’s a breakdown of the cost of immigration consultant insurance from the best companies in the market:

Cost per Month Cost per Year Best for
NEXT $22 $264 Best overall; Fastest general liability insurance for immigration consultants
CoverWallet $25 $300 Immigration consultant insurance quotes comparison online
Tivly $26 $312 Comparing immigration consultant insurance quotes over the phone
Thimble $27 $324 On-demand immigration consultant insurance
Hiscox $32.75 $393 Immigration consultant insurance with worldwide coverage
ICCRC $35 $420 Immigration consultancies with ICCRC membership


Cost Of Other Insurance for Immigration Consultants

The premium of professional liability insurance for immigration consultants is $65.82 per month or $789.84 per year. 

The premium of workers’ compensation insurance for immigration consultants is $74 per month or $888 per year. 

For a BOP for an immigration consultancy, you will pay $60.75 per month or $729 per year. 

Finally, as a small immigration consultancy, you will pay $115 per month or $1,380 per year for cyber liability insurance. 

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Best Immigration Consultant Insurance Companies 

Here are the best immigration consultant insurance companies in the market today. Read to know their pros, cons, and rate for a $1 million general liability insurance policy. 

NEXT Immigration Consultant Insurance 


  • Best overall

  • Issues an online proof of insurance instantly

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • 10% discount given if you bundle two or more immigration consultant insurance policies


  • Couldn’t find any

NEXT insurance has to be top of the list as the best small immigration consultancy insurance company. It offers commercial insurance that bundles general business liability coverage and workers’ compensation policies. Additionally, it offers a more specialized business insurance policy, including errors and omissions coverage. As a policyholder, you have the option of shaping your immigration consultant insurance to best fit your business needs. You will incur $22 monthly or $264 annually for the policy, which you could manage while on the go on the Next Insurance app. 

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

Average cost: $22 per month 

Our rating: 10/10


CoverWallet Immigration Consultant Insurance


  • Compare immigration consultant insurance quotes online

  • Cancel your policy anytime

  • Stable rates

  • No hidden charges


  • Not an insurance company but an insurance broker 

CoverWallet’s immigration consultant insurance offers general liability, commercial property, professional liability, and workers’ compensation insurance policies. 

The general liability insurance of CoverWallet provides a $1 million per occurrence limit with a $2 million aggregate. Moreover, it has $2 million products and completed operations coverage and free naming of additional insureds. 

On the other hand, this company’s professional liability insurance for immigration consultants has a $1 million per occurrence limit with a $2 million aggregate. You can also name additional insureds for free. 

Best for: Immigration consultant insurance quotes comparison online

Average cost: $25 per month 

Our rating: 10/10

Tivly Immigration Consultant Insurance


  • Call and compare immigration consultant insurance quotes over the phone

  • Responsive customer service 

  • Will take you to partners if you’re not a match


  • You need to call to get a quote

Tivly (formerly CommercialInsurance.NET) doesn’t state if immigration consultants are part of its underwriting appetite. This is why you need to call to know if the company can provide coverage. If it does, you’ll enjoy comprehensive general liability, workers comp, professional liability, and cyber liability policies. 

Call Tivly now to compare immigration consultant insurance quotes over the phone and get covered. 

Best for: Comparing immigration consultant insurance quotes over the phone

Average cost: $26 per month

Our rating: 10/10

Thimble Immigration Consultant Insurance


  • Quick to issue online quotes 

  • ACORD 25 certificates of insurance 

  • On-demand coverage 

  • Thimble’s general liability insurance provides coverage on liability over a third party’s property 


  • Customer service is not available over the phone 

Thimble provides coverage for immigration lawyers and immigration consultants through its attorney’s office or lawyer’s insurance. 

You can get coverage by the month, day or hour as needed. If you need coverage quickly or temporarily, Thimble is the right insurer. 

Their immigration consultant policies include general liability insurance, BOP, commercial property insurance, professional liability insurance, and workers’ compensation insurance. Premiums start at $27 per month or $324 per year.

Best for: On-demand immigration consultant insurance 

Average cost: $27 per month 

Our rating: 8/10 


Hiscox Immigration Consultant Insurance 


  • 14-day money-back refund policy 

  • Policyholders can get quotes and purchase policies online 

  • Discounts of up to 5% are offered to policyholders who bundle together two or more immigration consulting insurance policies

  • Easy-to-use online insurance quotation with intelligent site navigation 


  • Immigration consulting insurance is not available in Alaska 

  • Only available in 49 out of 50 states 

  • Hiscox is not a BBB-accredited company 

  • Policyholders might need to work with multiple providers to get full protection for your immigration consultancy 

Hiscox dates back to 1901, thus bringing over a century’s worth of experience to the table. For immigration consultancies, Hiscox offers general liability insurance, errors and omissions, BOP, short-term liability insurance, cyber liability insurance, and workers’ compensation insurance.  Basic coverage is $32.75 per month or $393 per year. 

A neat advantage of Hiscox’s offering is that you can include media liability insurance as part of your immigration consultant insurance. This policy will protect your business from defamation, slander, and copyright infringement claims. You can also purchase an online product liability policy as part of your immigration consultant insurance. 

Best for: Immigration consultant insurance with worldwide coverage

Average cost: $32.75 per month 

Our rating: 8/10


ICCRC Insurance 


  • Proof of insurance is offered immediately 

  • Discounts offered to members of ICCRC 


  • Coverage is limited to immigration consultants operating in Canada 

  • Some policyholders report undue bureaucracy 

ICCRC is an acronym for Immigration consultants of Canada regulatory council, a body that sets standards of conduct for immigration consultants with their membership. According to the ICCRC, each member is mandated to purchase ICCRC errors and omissions insurance of a value not less than the minimum amount required by the ICCRC from time to time.

This ICCRC E&O insurance is meant to protect the members in the event that they did something that might be damaging to their client. The policy’s cost depends on the nature of your practice and particularly the size of your consultancy. As a member of the organization, however, anticipate significant discounts. 

Best for: Immigration consultancies with ICCRC membership 

Average cost: $35 per month 

Our rating: 8/10

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