Lactation consultants are licensed health professionals making sure that mothers do it right. For example, as a lactation consultant, you might recommend mothers to undergo pilates training to improve posture and strength. They can get hurt during the session and the instructor’s pilates insurance will not cover you if a claim is filed. This is why it’s important to have your own lactation consultant insurance.
Lactation consultant liability insurance can be classified as a general liability policy or professional liability policy. Note that in the healthcare field, a professional liability policy is also called malpractice insurance.
|Per occurrence limit||$1,000,000||$1,000,000||$1,000,000/$2,000,000||$1,000,000||$2,000,000|
|Name additional insureds?||Yes||Yes||Yes||Yes||Yes|
|Waiver of subrogation included?||Yes||No||Yes||Can be included||No|
|License defense coverage included?||No||No||No||No||Yes|
|HIPAA coverage included?||No||No||No||No||Yes|
|Sexual harassment coverage included?||No||No||No||No||Yes|
Use the table above to see which company offers the best malpractice insurance for lactation consultants.
Malpractice insurance is the most important coverage you need to get as a lactation consultant.
Some clients might not take your instructions or advice carefully. As a result, they might experience soreness, infection, or mastitis. The thing is, even though it's their fault, clients can claim that their breastfeeding issues are caused by your advice.
Malpractice insurance for lactation consultants covers your client’s claims for actual or alleged malpractice. Common types of malpractice covered by this insurance are:
Violation of fair dealing
The following policies might be included in your lactation consultant malpractice insurance, provided that you work with a carrier specializing in the needs of health professionals:
Sexual harassment coverage
License defense coverage
|Per occurrence limit||$1,000,000||$1,000,000||$1,000,000/$2,000,000||$1,000,000|
|Products and completed operations aggregate limit||$2,000,000||$1,000,000||$1,000,000||$1,000,000|
|Advertising injury coverage aggregate limit||$1,000,000||$1,000,000||$1,000,000||$1,000,000|
|Tenant’s legal liability coverage limit||$100,000||$100,000||$5,000||$300,000|
|Waiver of subrogation included?||Yes||No||Included||Can be included|
|Hired/non-owned auto liability coverage included?||Yes||No||Excluded||Can be included|
|Equipment breakdown floater included?||No||Yes||Yes||Yes|
|Can you get a certificate of insurance online?||Yes||Yes||Yes||Yes|
|Name additional insureds?||Yes||Yes||Yes||Yes|
Use the table above to see which insurance company offers the best general liability insurance for lactation consultants.
Anything that happens inside the office falls on your shoulder. This is why clients might file a claim if they experience injuries or property damage while on your business premises.
General liability insurance cover lactation consultant against this exposure. Here are some common situations where you can use this insurance:
A client slips and falls in your office
Defective office furniture inflicts injuries to a client
Note that general liability insurance doesn’t only cover clients. This will also protect you against claims for bodily injuries or property damage filed by independent contractors, volunteers, interns, and other third parties.
Another important thing you need to know is that a general liability policy will have these automatic inclusions that grant further protection:
Medical expenses coverage
Tenant’s legal liability coverage
Products and completed operations coverage
Advertising injury coverage
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|Building coverage limit (minimum)||$50,000||$200,000||$25,000/$500,000||$25,000|
|Contents coverage limit (minimum)||$50,000||$15,000||$25,000/$500,000||$25,000|
|Money and securities||Excluded||$2,500||$1,000||Included|
|Lock and keys||Excluded||$2,500||Excluded||Excluded|
|Business interruption floater||Excluded||Included||Included||Included|
|Equipment breakdown floater||Excluded||Included||Excluded||Excluded|
|Inland marine insurance floater||Excluded||Excluded||$10,000||Excluded|
|Employee dishonesty floater||Excluded||$5,000||$2,500||Included|
Use the table above to see which insurance company offers the best commercial property insurance for lactation consultants.
You can’t work without an office where clients visit, meetings are held, and implements are kept. Keeping an office is costly. And so, it’s smart to get commercial property insurance. You can use this to cover an office that’s a:
Designated spot in a co-working space
Stand-alone commercial building you occupy and rent to others
Rented or leased commercial space
So how does commercial property insurance help you? This insurance will provide cash if your office gets destroyed or damaged by:
Commercial property insurance automatically comes with a contents coverage and allows you to recover the monetary value of furniture, HVAC, documents, and other valuables inside the office.
Though not always true all the time, commercial property insurance can come with utility services interruption coverage, key lock loss and replacement coverage, and business interruption coverage.
|General liability aggregate limit||$2,000,000||$1,000,000/$2,000,000||$1,000,000/$2,000,000||$1,000,000/$2,000,000|
|Commercial property coverage limit||$50,000||$25,000/$500,000||$200,000||$25,000|
|Optional policies can be added?||Yes||Yes||Yes||Yes|
|Name additional insureds for free?||Yes||Yes||Yes||Yes|
Use the table above to see which company offers the best business owner’s policy for lactation consultants.
A business owner’s policy protects your office and takes care of expenses if clients file a claim for bodily injuries or property damage.
Think of this as an insurance policy that acts as a general liability and commercial property insurance at the same time.
A business owner’s policy offers a 10% discount on premiums. Another advantage is that you get two policies for the price of one.
Optional policies might be offered in a business owner’s policy. Depending on which insurance company you work with, this can come with customer property coverage, business interruption insurance, and hired non-owned auto liability coverage.
|Covers hired and borrowed equipment?||$5,000/$10,000||$2,500/$5,000||No|
|Miscellaneous equipment also covered?||$5,000/$10,000||No||No|
|Offered as an endorsement to general liability insurance?||Yes||Yes||Yes|
Your IBCLC insurance bundle will also offer tools and equipment coverage. Tools and equipment coverage is the insurance for the sample tubes, flashlights, silicone pumps, baby dolls, pump gauge, and hospital grade pump kits you use during a lactation consultancy session.
This insurance will reimburse the actual cash value or replacement cost of implements that get damaged or lost because of:
Suppose you use a personal vehicle to drive to consultancies, visits, or even networking events. In this case, you will need commercial auto insurance. This policy will cover accidents, repairs, and medical treatment related to injuries. Commercial auto insurance will also cover the repair of your commercial vehicle if it sustains damage.
Workers' compensation insurance will allow you to take care of unexpected expenses easily if full-time and part-time employees sustain a work-related injury or disease. Insurance companies design this insurance to cover medical treatment, hospitalization, rehabilitation, retraining, lost wages, funeral expenses, and allowance to dependents.
|Cost per Month||Cost per Year||Deductible|
|General liability insurance||$23||$276||$0-$500|
|Professional liability insurance||$59||$708||$500-$1,000|
|Commercial property insurance||$30||$360||$1,000-$2,500|
|Business owner’s policy||$50||$600||$500-$1,000|
|Workers compensation insurance||$80||$960||$2,000-$5,000|
|Commercial auto insurance||$60||$720||$1,000|
The average lactation consultant insurance cost is $23 per month or $276 per year for a $1 million general liability policy. A number of factors will determine the price you ultimately pay. These include:
Number of employees
General aggregate limit
To get a better idea of your rates, it’s best to compare quotes. Start by clicking the “Get Quotes” button on this page. By the way, here’s a table showing the rates of the best lactation consultant insurance companies for a $1 million general liability policy.
|Cost per Month||Cost per Year||Best for|
|NEXT||$16.67||$200.04||Best overall; Fast general liability insurance for lactation consultants|
|CoverWallet||$18||$216||Lactation consultant insurance quotes comparison online|
|Tivly||$20||$240||Multiple coverage options for lactation consultants|
|Thimble||$21||$252||Startup lactation consultancies|
|CM&F||$22.16||$265.92||Malpractice insurance coverage|
|Hiscox||$29.16||$349.92||BOP for lactation consultants|
Get all the best quotes from leading providers in a click of a button!
Here are the best lactation consultant insurance companies. Read to know their pros, cons, and rate for a $1 million general liability insurance.
Issues an online proof of insurance instantly
Great customer service and reputation
Fastest general liability insurance for lactation consultants
Outstanding value for money
Bundle two or more policies and get a 10% discount
Couldn’t find any
NEXT sells lactation consultant insurance in partnership with Tivly. Nonetheless, even though your coverage is underwritten by a partner, NEXT still issues you an online certificate of insurance, policy bundle discounts, naming of additional insureds without any charges, and more.
Note that in case you want to be covered by a policy underwritten by NEXT, then go for its reproductive health service insurance, which costs $16.67 per month. This offers a general liability policy with a $1 million per occurrence limit and a $2 million aggregate. Also, a $15,000 medical payments coverage is included in its terms.
Best for: Best overall; Fast general liability insurance for lactation consultants
Average cost: $16.67 per month
Our rating: 10/10
General liability insurance can be added with terrorism coverage and non-owned/hired auto liability coverage
Cancel a policy anytime
Compare lactation consultant insurance quotes online
Provides coverage regardless of your business profile
You need to call to cancel a policy
CoverWallet’s lactation consultant insurance offers a general liability policy with a $1 million-$2 per occurrence limit and a $2 million aggregate. Hired/non-owned auto coverage and certified acts of terrorism coverage can be added to its terms.
As for the professional liability insurance, it offers a $1 million per occurrence limit with a $2 million aggregate.
In case you need protection against cyber risks, CoverWallet allows you to include cyber liability insurance in the terms of your coverage.
Last but not least, CoverWallet has an online quotes comparison platform you can use to look at the rates of other companies selling lactation consultant insurance.
Best for: Lactation consultant insurance quotes comparison online
Average cost: $18 per month
Our rating: 10/10
Multiple coverage options for consultants
Lactation consultant insurance is also sold by NEXT
Compare quotes over the phone
You need to call to get a quote
Tivly (formerly CommercialInsurance.NET) underwrites lactation consultant insurance that’s also sold by NEXT. Policies included are general liability, cyber liability, commercial property, and workers compensation insurance.
In case Tivly can’t really provide coverage, it will take you to its partners whose underwriting appetite might match your business profile.
Call Tivly now to compare lactation consultant insurance quotes over the phone.
Best for: Multiple coverage options for lactation consultants
Average cost: $20 per month
Our rating: 10/10
File a claim online
ACORD 25 certificate of insurance
Cancel a policy online and get an instant refund
You can’t reach customer service by calling
Thimble doesn’t underwrite lactation consultant insurance. However, you might get covered through its healthcare business insurance plan that’s underwritten by Tivly.
Best for: Startup lactation consultancies
Average cost: $21 per month
Our rating: 9/10
Comprehensive BOP for lactation consultants
Fast to handle claims
Provides coverage even if your business profile is poor
Poor customer ratings
Hiscox’s lactation consultant insurance comes in the form of a business owner’s policy that can be added with professional liability insurance and cyber liability insurance.
Your general liability insurance from Hiscox has a $1 million per occurrence limit with a $2 million aggregate. Business property coverage limits, on the other hand, is $25,000-$100,000 with a $500-$10,000 deductible.
Hiscox’s professional liability insurance for lactation consultants has a $1 million per occurrence limit with a $1 million aggregate. There’s a $500 deductible.
Best for: BOP for lactation consultants
Average cost: $29.16 per month
Our rating: 9/10
Full consent to settle claims
License defense coverage
General liability available
Coverage options up to $2 million per claim
Sexual misconduct defense
HIPAA defense coverage
24/7 portable coverage that covers you while on the go, meaning you are covered for volunteer assignments, per diem gigs, and moonlighting assignments
Not a lot of information available online on the specificities of the insurance policy
Limited coverage with previous policyholders pointing to the insurer being mostly interested in whether the cost of litigation exceeds their payout
Claims payout is tedious and often slow
CM&F is a family-owned and operated insurer that has been in operation since 1919. Over the years, the insurer has morphed into a trusted partner of millions of healthcare professionals. Their portfolio features up to 200 professional specialty covers across the healthcare industry, one being lactation consultant insurance.
CM&F specializes in lactation consultant malpractice insurance. This coverage will often be specifically customized for individual lactation consultancy business needs. It is designed to protect the lactation consultancy's assets, licenses, and reputation.
The professional liability insurance policy from CM&F is comprehensive, portable, and flexible. Coverage is offered 24/7, with the services offered explicitly stated within your insurance scope. You, however, must make sure that your practice is in accordance with the relevant state laws outlined within your policy agreement.
If you are working with CM&F, you are assured that you will be working with the county's longest-standing professional liability insurance provider. The insurer works with over 100,000 healthcare providers across the U.S, meaning you are assured that your practice is in good hands. You get to enjoy excellent service, innovative technology, and comprehensive coverage.
CM&F offers generous per occurrence and aggregate liability limits for their general liability coverage. Further, they make provisions for policyholders to make a claim on a policy that is still active. Specifically, suppose you hold a policy from the insurer that expires only for an aggrieved party to file a claim six months later. Suppose the incident in question happened during the policy period. In that case, the insurer will cover that claim unless you purchased an extended reporting endorsement or what is also referred to as a tail coverage.
Other than the claims made policy, you also have an occurrence policy. This covers you indefinitely for incidences that occur during the policy period. This means that you are sufficiently covered for the period during which you had the policy, even if it is no longer active.
A neat advantage of the CM&F insurance plan is its flexibility. This means that they offer full-time, part-time, moonlighting, or contracting policies as the need arises. Even as an independent contractor, you will be sufficiently covered, as the official website offers a self-employed coverage option.
Suppose you have an occurrence policy, CM&F makes provisions for you to simply purchase your professional liability insurance when your current contract with your insurance provider expires. This can be done through their online application, which enables you to pay coverage 30 days in advance. That way, you don't have to worry about coming back to apply at the last minute.
Further, imagine a situation where you are a current policyholder with a claims-made policy. You want to sit down with your representative to discuss how they can help you ensure that no gaps exist within your liability insurance coverage.
Finally, you have the ability to add on additional policies at any time. This can either be done during the application process or while the policy is still active.
Best for: Malpractice insurance coverage
Average cost: $22.16 per month
Our rating: 9/10
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
It really can't get any better than this... wow