Sleep Consultant Insurance: Cost & Quotes from $11/month

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It is satisfying to work as a sleep consultant. You work with your clients, trying to find solutions to sleep deprivation. You help customers with customized sleep plans and offer support and guidance as the need arises.

While you might be well-read on the topic of improving sleep and even be certified, risks are always lurking. For starters, sleep consultancy attracts a fair share of scrutiny, especially since it is an entirely unregulated profession. Further, you have to deal with disgruntled clients who might bring a frivolous suit against you or your sleep consultancy business.

Let's look at a real-life example. A client hires you to help address sleep issues they are facing with their infant sleep, including early rising, a fussy baby, nap challenges, and coping strategies during significant transitions. You come up with a sleep schedule and even train the frustrated client on a few sleep training methods. Unfortunately, the sleep training strategies you suggest are ineffective.

The unsatisfied client might file a suit claiming underperformance or lousy advice. Oftentimes, this dispute ends up in a civil suit that can take a toll on your reputation and finances.

Seeing as there's a real threat in the somewhat low-risk field of sleep consultancy, you are going to need sleep consultant insurance. This specialty policy is meant to protect you, and your business from the financial repercussions of a lawsuit.

Besides, clients will only hire a sleep consultant covered by insurance. Seeing that the presence of insurance is what stands between you and a contract with clients, it is important to invest in sleep consultant insurance.

Overall, while it might appear impossible, mistakes will inevitably happen during your sleep consultancy. To ensure that your finances don't take too much of a dip, it is best that you invest in sleep consultant insurance. To reiterate, you simply cannot afford to forgo insurance, as it could mean that your business is forced to close in the event that you are sued by the client.

Also read:

Sleep Consultant Liability Insurance 

Sleep consultant liability insurance pertains to general liability and professional liability policies. Both are your primary protection against third-party claims. 

General Liability Insurance for Sleep Consultants 

If you were to be accused of an injury, damaging property, or putting your client in danger, this liability policy steps in to take care of the arising legal fees and compensations that might arise from the dispute. 

The general liability insurance for sleep consultants covers your business in the event of a third-party liability claim related to client bodily injury, client property damage, and any advertisement injuries, including copyright infringement or defamation. 

Professional Indemnity Insurance for Sleep Consultants 

You also want to invest in professional indemnity insurance. Often, this is overlooked. Yet, it protects you from a dissatisfied client who takes issues with the advice you've provided in your capacity as their sleep consultant.

Note that this policy only comes into effect if you can prove that there was no physical harm. Professional liability insurance for sleep consultants also covers

  • Work-related errors 

  • Undelivered services 

  • Missed deadlines 

  • Claims of negligence 

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Business Owner’s Policy for Sleep Consultants 

As a sleep consultant keen on keeping their business afloat, consider getting a business owner's policy. Abbreviated as BOP, this policy actually bundles together two separate insurance policies- general liability insurance and commercial property insurance. 

Suppose, for instance, that your office gets broken into and the thieves get away with white noise machines that you use in sleep training. Your BOP comes in and pays for the replacement of the devices. 

A business owner’s policy will also provide coverage if someone slips and falls on the premises of your office. 

Note, however, that not all sleep consultancy businesses can qualify for a BOP. In fact, for you to be eligible for this policy, you'll need to:

  • Have fewer than 100 employees 

  • Make less than $1 million in annual revenue 

  • Have a small office or workplace

Workers Compensation Insurance for Sleep Consultants

Consider a situation where you have a few other sleep consultants on board working with you. While one of your consultants is out on consultation, they could trip on a power cord from one of the white noise machines. You are effectively faced with employee lost wages as well as the cost of their medical bills. 

That's why it is best that you get workers' compensation insurance. The policy pays for the employee's medical bills as well as the lost wages. 

Employment Practices Liability Insurance for Sleep Consultants 

Employer’s liability insurance protects you if an employee files a claim because of:

  • Wrongful termination

  • Sexual harassment

  • Missed employment benefits

  • Discrimination

  • Exploitation

So how does employment practices liability insurance work? If you face any of the claims above, the policy will kick in to cover settlements and defense costs. 

Employment practices liability insurance provides $1 million-$10 million coverage for each claim. You can get this as a stand-alone policy or as an inclusion to workers’ compensation insurance. 

Employer’s Liability Insurance for Sleep Consultants

Further, there's a chance that the employee might bring a lawsuit against your business for failing to provide safe working conditions. In this case, employer’s liability insurance covers settlements and legal defense expenses. 

The policy limit of employer’s liability insurance is $100,000-$500,000. Some insurance companies allow you to modify the policy in order to get more coverage. Similar to employment practices liability insurance, you can get this as a stand-alone policy or as an inclusion to workers' compensation insurance. 


Cyber Liability Insurance for Sleep Consultants 

Now, suppose your IT ecosystem is hacked, and threat actors get access to pertinent employee data. In such a scenario, you are going to need first-party cyber liability insurance. This policy pays for: 

  • Business income loss

  • Cyber extortion

  • Costs for containing the breach 

Further, examine this situation. You connect your sleep monitor or white noise machine to your client's home Wi-Fi or network. What if, through this connection, a threat actor gets access to your client's network and embarks on an attack? If the client can prove this connection, you are liable for both legal fees and other arising charges from the cyber events. 

If you have third-party cyber liability in place, you are legally protected if the client suffers a breach and files a claim against you. The policy fully pays all attorney fees, court costs, settlements, and judgments, ensuring you don't have to pay for any expenses out of pocket. 

Sleep Consultant Employee Dishonesty Insurance

Consider purchasing employee dishonesty insurance. If you have this, you are protected in the event that you have a dishonest employee on board. The policy will cover all arising costs if they were to steal or embezzle money from your consultancy or commit fraud against your business.

Fidelity Bond for Sleep Consultants 

Don’t think twice about getting fidelity bonds for your business. With fidelity bonds in place, your sleep consultancy firm is protected in the event that one of your employees commits a crime against your clients. That's to mean that if they were to steal from your clients or commit fraud or forgery against them, the policy covers all arising costs. 


Commercial Auto Insurance for Sleep Consultants

Commercial auto insurance is useful if you use your personal auto for business purposes most of the time. By getting commercial auto insurance, you enjoy these coverages:

Auto Liability Coverage

You can cause an accident while driving to meet clients. Of course, you have to indemnify the injuries and losses of the victims. The job of auto liability coverage is to ensure that you don’t incur losses when doing this. 

All insurance companies design the auto liability coverage of commercial auto insurance to take care of the following costs:

  • The medical treatment of the injured third parties

  • Refunds for losses if the accident damaged the property of third parties

  • Settlements so that you don’t face a lawsuit

  • Attorney fees, court fees, investigation fees, and other legal defense expenses if third parties sue you for the accident

Physical Damage Coverage

Physical damage coverage allows you to cover vehicle parts repair or replacement expenses. You get this as:

  • Collision coverage-Only covers damage sustained by your vehicle due to a collision with an object or vehicle

  • Comprehensive coverage-Provides coverage if fire, weather, vandalism, and theft damage your auto

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Sleep Consultant Insurance Cost 

On average, sleep consultants spend $21.71 per month or $260.52 per year for a $1 million general liability policy. This cost is subject to a number of factors, including the following:

  • Location of your sleep consultancy firm 

  • Deductibles 

  • General aggregate limit 

  • Per-occurrence limit 

  • Claims history

  • Annual revenue

  • Annual payroll 

You might have this general liability for sleep consultant discounted if you purchase it as part of a BOP instead of as a standalone policy. 

Here's a table that's a comprehensive breakdown of the rates from the best sleep consultant insurance companies:

Cost per MonthCost per YearBest for
NEXT$16.67$200.04Best overall; Fastest general liability insurance for sleep consultants
CoverWallet$19$228Sleep consultant insurance online quotes comparison
CommercialInsurance.Net$22$264Comparing sleep consultant insurance quotes over the phone
Hiscox$29.16$349.92BOP for sleep consultants


To get a better idea of your rates, it's best that you invest some time in comparing cheap quotes online. Click the “Get Quotes” button on this page to start.  

Compare Cheap Consultant Insurance Quotes Online

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

Best Sleep Consultant Insurance Companies 

After an evaluation of insurance providers offering sleep consultant insurance, here's a list of the best sleep consultant insurance companies in the market today. 

NEXT Sleep Consultant 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 buy two or more sleep consultant policies 


  • Couldn’t find any

NEXT offers sleep consultant insurance offering general liability, commercial property, professional liability, and workers compensation policies. 

The average cost of NEXT's general liability policy for sleep consultants is $16.67 per month or $200.04 per year. The policy comes with a $1 million per occurrence limit and a $2 million aggregate. What stands out about NEXT general liability insurance is that you can include any number of additional insured through its online app. 

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

Average cost: $16.67 per month 

Our rating: 10/10 


CoverWallet Sleep Consultant Insurance


  • Compare sleep consultant insurance quotes online for free

  • Stable rates

  • No hidden charges

  • Cancel your policy anytime 


  • You need to call to avail other policies CoverWallet sells to sleep consultants 

CoverWallet offers general liability insurance, cyber liability insurance, commercial property insurance, and professional indemnity insurance for sleep consultants. 

This company’s general liability insurance for sleep consultants has a $1 million per occurrence limit with a $2 million aggregate. This offers non-owned/hired auto liability coverage. Also, you can name additional insureds in your general liability insurance for free. 

CoverWallet’s cyber liability insurance for sleep consultants has a $2 million per occurrence limit with a $2 million aggregate. Aside from data breaches, you get coverage for cyber deception, business income and digital asset restoration, and cyber electronic fraud. 

Best for: Sleep consultant insurance online quotes comparison

Average cost: $19 per month

Our rating: 10/10


CommercialInsurance.Net Sleep Consultant Insurance 


  • Responsive customer service representatives

  • Refers you to partners if it can’t provide coverage

  • Call and compare sleep consultant insurance quotes over the phone


  • Quotes are only available if you call 

CommercialInsurance.Net sells professional liability insurance, general liability insurance, commercial property insurance, and other business insurance for sleep consultants. 

This company recommends you call so that it can assign a representative who will help you create highly tailored coverage. 

Your general liability insurance from CommercialInsurance.Net offers a $1 million-$2 million per occurrence limit with a $2 million-$4 million aggregate. 

CommercialInsurance.Net’s business property insurance for sleep consultants offers a $25,000 minimum building and contents coverage. You also get protection against business interruption and equipment breakdown. 

Call CommercialInsurance.Net now to compare sleep consultant insurance quotes over the phone. 

Best for: Comparing sleep consultant insurance quotes over the phone

Average cost: $22 per month

Our rating: 10/10

Hiscox Sleep Consultant Insurance


  • Worldwide coverage 

  • Fast claims handling 

  • Coverage is available even for a smaller sleep consultancy business 

  • Comprehensive BOP for sleep consultants


  • Less than satisfactory customer ratings 

Hiscox's sleep consultant insurance comes in the form of a BOP that bundles general liability and commercial property insurance. 

The general liability insurance from Hiscox costs $29.16 per month or $349.92 per year. This policy has a $1 million per occurrence limit with a $2 million aggregate. This general liability policy covers:

  • Malpractice-It covers bodily injury, disease, or death caused by a negligent act and errors or omissions by you while performing the consultancy. For instance, if you were to suggest the wrong sleep training technique, Hiscox would pay for all arising costs 

  • Negligence- If a client was to report that you gave incorrect advice or that you failed in helping with achieving desired results, Hiscox covers the costs of the dispute 

  • Libel or slander – What if your promotional leaflets or website included material that a third-party feels would be damaging to their business or reputation? Hiscox covers all arising costs of the libel or slander 

  • Breach of confidentiality- Suppose the information of a client leaks, and said leakage could be traced to you. Hiscox covers the cost of this breach of confidentiality 

The business property will be covered for between $25,000 and $100,000, with policyholders paying deductibles of $500 minimum. 

Best for: BOP for sleep consultants 

Average cost: $29.16 per month 

Our rating: 9/10

The Bottom Line 

If you own and run a sleep consultancy business, it is prudent that you invest in sleep consultant insurance. It protects your consultancy firm from costly liability lawsuits that would have grave financial implications on your business. Besides, it proves to your clients that you have their best interests at heart.

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