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Lactation Consultant Insurance: Cost & Quotes from $11

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As a lactation consultant, you have the opportunity to make a real difference for the families you work with. You guide anxious new mums through overcoming breastfeeding difficulties and help mothers and children build close relationships. Granted, by virtue of the profession, being a lactation consultant is relatively low risk. Still, it would be prudent to protect yourself and your business, especially in today's world, where people are increasingly ready to take legal action.

Seeing as the unexpected can and sometimes does happen, it would be best that you invest in lactation consultant insurance. Granted, this specialty insurance product is relatively new, seeing as lactation consulting, as a profession, only emerged in the 1970s and 1980s. Today, people of varying levels of training provide breastfeeding help. Regardless of your level of expertise, you want to be a lactation consultant covered by insurance.

This insurance for lactation consultants will comprehensively cover you as you offer lactation support services. Consider getting IBCLC insurance. The insurance covers lactation consultants with the IBCLC certification. The body will evaluate your qualifications before you are accepted into the network. Further, you will need to meet certain professional competence and conduct criteria.

Before getting lactation consultant insurance, you will be subject to some background checks. This particularly applies to independent practitioners. This might not be required to credential practitioners who practice exclusively within established lactation consultants. Checking of the credentials includes, among others:

  • Evaluating the qualifications of lactation consultants

  • Ensuring that the different practitioners meet the various criteria relating to professional competence and conduct

  • Confirming that the consultant is in good standing with state and federal regulatory bodies

  • Ensuring that the practitioners are reviewed and approved by accrediting bodies

Also read:

Lactation Consultant Liability Insurance

As highlighted, the chances of being sued as a lactation consultant are quite slim. Still, there's a chance that you might get sued which necessitates lactation consultant liability insurance. 

Note that the liability insurance you get is determined by your highest level of certification as well as your cumulative credentials. Consider a situation where you are a licensed healthcare provider. 

You will need liability insurance that factors in the license too. Suppose you hold a position in the birthing community as a childbirth educator. You will need to discuss with your insurance provider the level of insurance that will cover such certification. 

It is prudent to mention that if you live and conduct your business in a state with IBCLC licensure, you will be required to have liability insurance as a condition of your license. Further, note that you have the option of purchasing the lactation consultant liability insurance yourself online or go through a registered agent

 

Lactation Consultant Malpractice Insurance 

Malpractice insurance for lactation consultants is meant to protect your personal assets and cover unexpected expenses in the event that a lawsuit is brought against your lactation consultancy.

Consider this; as a lactation consultant, you teach parents how to properly feed and care for their children. Having this malpractice cover protects you from any stress that could be brought about by the possibility of litigation. This frees you from the fears of being caught up in lawsuits, thus enabling you to focus on performing your duties to the best of your abilities. 

You also want to get professional liability insurance as part of your protection package. This insurance policy comes in handy when it comes to protecting you from liability or allegations of injury or damages filed by a third party. Among what's covered are negligent acts, errors and omissions and other malpractices that might arise from your professional capacity as a lactation consultant. 

Additionally, consider getting commercial general liability insurance. This coverage protects you against claims that arise from injury or property damage. Suppose, for instance, a client slips and falls on a wet floor due to some milk you might have accidentally spilled. 

The coverage will cover any costs that arise from these third-party claims. Some providers will offer commercial umbrella insurance that will cover all costs arising from third-party liability. Note, however, that most insurance providers will not provide this cover but those that do tend to be overly cautious about the coverage. 

Compare Cheap Lactation Consultant Insurance Quotes Online

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Commercial Auto Insurance for Lactation Consultants

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. Additionally, the cover will protect any business materials carried in your car. In the event that your equipment is stolen or vandalized, the insurance policy will cover the cost of repair or replacement. 

Finally, suppose you run your lactation consultant business from your home. In that case, you will need home-based business insurance to safeguard your equipment and space in your home devoted to your business. 

Granted, you might be tempted to believe that the typical homeowner's insurance policy will cover your business-related items or client injuries if they were to occur within your home. Unfortunately, you will have to lie and possibly not disclose the use of your home for business purposes. 

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Lactation Consultant Insurance Cost 

On average, lactation consultants spend $276 per year or $23 per month for a $1 million general liability coverage. A number of factors will determine the price you ultimately pay for your policy. These include:

  • Location

  • Deductible 

  • Number of employees 

  • General aggregate limit 

  • Per-occurrence limit 

 

You might also get general liability insurance at a discounted rate by purchasing it as part of a business owner's policy instead of having it as a standalone policy. Besides, getting a business owner's policy is a more comprehensive solution as you get multiple forms of coverage. For instance, you will get business interruption and property damage insurance policies, which further protect your business.

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.


Cost per MonthCost per YearBest for
NEXT$16.67$200.04Best overall; Fast general liability insurance for lactation consultants
CoverWallet$18$216Lactation consultant insurance quotes comparison online
CommercialInsurance.Net$20$240Multiple coverage options for lactation consultants
Thimble$21$252Startup lactation consultancies
CM&F$22.16$265.92Malpractice insurance coverage
Hiscox$29.16$349.92BOP for lactation consultants

Compare Cheap Lactation Consultant Insurance Quotes Online

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

Best Lactation Consultant Insurance Companies

Lactation consultant insurance policies are somewhat of a rarity. As a specialty product offered to a select few, it is rather difficult to find companies providing lactation consultant insurance. 

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

 

NEXT Lactation Consultant Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Bundle two or more policies and get a 10% discount 

Cons

  • Couldn’t find any 

NEXT sells lactation consultant insurance in partnership with CommercialInsurance.Net. 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


CoverWallet Lactation Consultant Insurance

Pros

  • Genera 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

Cons

  • 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 consultant insurance. 

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


CommercialInsurance.Net Lactation Consultant Insurance

Pros

  • Multiple coverage options for consultants

  • Lactation consultant insurance is also sold by NEXT

  • Compare quotes over the phone

Cons

  • You need to call to get a quote 

CommercialInsurance.Net underwrites a lactation consultant insurance that’s also sold by NEXT. Policies included are general liability, cyber liability, commercial property, and workers compensation insurance. 

Note that this company offers an alternative coverage option with its healthcare insurance plan that’s also available at Thimble. 

In case CommercialInsurance.Net can’t really provide coverage, it will take you to its partners whose underwriting appetite might match your business profile. 

Call CommercialInsurance.Net 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


Thimble Lactation Consultant Insurance

Pros

  • File a claim online

  • ACORD 25 certificate of insurance

  • Cancel a policy online and get an instant refund 

Cons

  • 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 CommercialInsurance.Net. 

Best for: Startup lactation consultancies

Average cost: $21 per month 

Our rating: 9/10


Hiscox Lactation Consultant Insurance

Pros

  • Worldwide coverage

  • Comprehensive BOP for lactation consultants

  • Fast to handle claims

  • Provides coverage even if your business profile is poor 

Cons

  • 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


CM&F Lactation Consultant Insurance

Pros

  • 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

Cons

  • 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




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