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Lactation Consultant Insurance: Cost & Quotes from $11

For your business best protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!


For your business best protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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 

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.


Lactation Consultant Malpractice Insurance


CoverWallet  NEXT  Thimble (Best) Hiscox CM&F
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $2,000,000
Aggregate limit  $2,000,000 $1,000,000/$2,000,000 $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
Deductible  $500 $500 $500 $50/$10,000 $0-$1,000


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:

  • Negligence

  • Inaccurate advice

  • Misdiagnosis

  • 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:

  • HIPAA coverage

  • Sexual harassment coverage

  • License defense coverage



General Liability Insurance for Lactation Consultants


CoverWallet NEXT (Best)Thimble Hiscox
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$1,000,000
Aggregate limit $2,000,000$1,000,000/$2,000,000$1,000,000/$2,000,000$2,000,000
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?YesNoIncludedCan be included
Hired/non-owned auto liability coverage included?YesNoExcludedCan be included
Equipment breakdown floater included?No YesYesYes
Can you get a certificate of insurance online?YesYesYesYes
Name additional insureds?YesYes
YesYes
Deductible$0$0$0$0


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

Compare Cheap Lactation Consultant Insurance Quotes Online

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Commercial Property Insurance for Lactation Consultants


CoverWalletNEXT (Best)ThimbleHiscox
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
Outdoor signsExcluded$2,500ExcludedExcluded
Accounts receivable ExcludedExcluded$5,000/$10,000Included
Money and securitiesExcluded$2,500$1,000Included
Lock and keys Excluded$2,500ExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000Excluded
Employee dishonesty floaterExcluded$5,000$2,500Included


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

  • Condo office

  • Home office


So how does commercial property insurance help you? This insurance will provide cash if your office gets destroyed or damaged by:

  • Fire

  • Theft

  • Vandalism

  • Civil commotion

  • Sinkhole collapse

  • Volcanic action

  • Lightning

  • Weather

  • Impact

  • Vehicle

  • Falling objects

  • Aircraft


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. 


Business Owner’s Policy for Lactation Consultants


CoverWalletThimble NEXT Hiscox (Best) 
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?YesYesYesYes
Name additional insureds for free?YesYesYesYes
BOP discount?YesYesYesYes


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. 


Tools and Equipment Insurance for Lactation Consultants


NEXT (Best)ThimbleHiscox
Aggregate limit$5,000/$10,000$2,500/$5,000$5,000/$25,000
Covers hired and borrowed equipment?$5,000/$10,000$2,500/$5,000No
Miscellaneous equipment also covered?$5,000/$10,000NoNo
Offered as an endorsement to general liability insurance?YesYesYes
Deductible$500$500$0


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:

  • Fire

  • Theft

  • Vandalism

  • Mysterious disappearance


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. Commercial auto insurance will also cover the repair of your commercial vehicle if it sustains damage. 


Workers Compensation Insurance for Lactation Consultants

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. 

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Lactation Consultant Insurance Cost 


Cost per MonthCost per YearDeductible
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:

  • Location

  • Deductible 

  • Number of employees 

  • General aggregate limit 

  • Per-occurrence 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 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
Tivly$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

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

  • Fastest general liability insurance for lactation consultants

  • 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 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


CoverWallet Lactation Consultant Insurance

Pros

  • 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

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 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


Tivly 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 

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


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 Tivly. 

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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