Agricultural Consultant Insurance

female business owner protected by agricultural consultant insurance

Grow Your Business With Agricultural Consultant Insurance

Your guidance helps farmers and the agribusiness industry grow, but even giving the best advice comes with risks. Whether you're conducting soil assessments or advising on sustainability, unexpected challenges can crop up. Agricultural consultant insurance can help protect you from liability claims and financial risks.
 
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female business owner protected by agricultural consultant insurance

What Is Agricultural Consultant Insurance?

Agricultural consultant insurance is a collection of business insurance coverages designed for professionals who provide advice and services to farmers, agribusinesses and landowners. It can help protect you from challenges such as:
 
  • Professional liability claims, like if a client blames you for reduced crop yields or financial loss.
  • Property damage, like if an on-site visit leads to accidental damage to fences or equipment.
  • Bodily injury, like if a client trips over your surveying tools during a field inspection and gets hurt.
  • Cyber threats, like if a data breach exposes confidential records and you’re required to notify those affected.
  • Business interruptions, like if a covered loss forces you to pause operations, impacting your income.

Why Do I Need Agricultural Consultant Insurance?

As an agricultural consultant, insurance coverage helps protect you from claims related to errors, property damage, data breaches and more. Whether you focus on agronomy, livestock management or environmental impact, insurance can help keep your consulting business thriving, season after season.
 
Your clients count on your expertise to improve yields, protect soil health and navigate complex regulations. However, a misinterpreted report or client injury could lead to costly claims against your business.
female small business owners protected by agricultural consultant business insurance

Who Needs Agricultural Consultant Insurance?

Agricultural consultant insurance can help protect businesses that provide expert guidance to farmers, agribusinesses or landowners, including:
 
  • Agronomy consultants
  • Livestock consultants
  • Sustainability consultants
  • Precision agriculture specialists
  • Regulatory compliance advisors
  • Farm business consultants

What Type of Insurance Do I Need for an Agricultural Consultant Business?

Many agricultural consultants have a Business Owner’s Policy (BOP) as the foundation of their insurance plan for the peace of mind it can provide. It includes three types of coverage to help protect your business from accidents like bodily injury and property damage.

A BOP includes: 
 
General liability insurance to help protect you from claims that your business caused bodily injury or property damage to others, like if an accident happens during a field inspection.
 
Commercial property insurance to help protect your owned or rented building, as well as tools, equipment, inventory and supplies you use to operate your consulting business. These can include:
 
  • Soil testing kits
  • Drones for crop analysis
  • GPS and mapping equipment
  • Field sampling tools
  • Irrigation assessment devices
  • Weather monitoring instruments
Business income insurance to help replace lost income if you can’t operate your agricultural consulting business temporarily because of property damage caused by things like vandalism, fire, theft or wind.
 
At The Hartford, we know that no two agricultural consulting businesses have the same needs or face the same risks. We’ve made it easy for you to add other types of insurance to your BOP for well-rounded protection, including:
 
Reliable Coverage in Minutes
From field visits to industry conferences, insurance can help protect you wherever your job takes you. Get coverage designed for agricultural consulting businesses like yours.
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How Much Does Agricultural Consultant Insurance Cost? 

Agricultural business insurance costs vary because every business is unique. Some of the average costs The Hartford’s small business customers in this industry pay for common coverages are:**
 
  • BOP: $916 a year, or $76 a month
  • Stand-alone general liability insurance: $410 a year, or about $34 a month
  • Workers’ compensation insurance: $1,801 a year, or about $150 a month
It’s important to remember that the cost of your agricultural business insurance may be different than the average. That’s because every business owner has unique needs, and insurers may use several factors to determine rates. The best way to find out how much you’ll pay for insurance is to get a quote.
male small business owner happy to easily get coi for agricultural consultants

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Covering Your Operations

Your work as an agricultural consultant involves a lot of moving parts, from on-site assessments to researching new technologies. Whether it’s property damage, a client dispute or a liability claim, insurance can help safeguard your operations against unexpected setbacks. 
Customer injuries, slips and falls are the third-most common type of claim small business owners faced in 2025.1
general liability for agricultural consultants

General Liability Insurance

“During a site visit, a customer tripped over some equipment I had set out and hurt their knee. They had to visit the doctor to get it checked out.”
 
General liability insurance helps cover claims that your agricultural consulting business hurt somebody else. It can help pay their medical bills or your legal costs if you get sued.
EPLI for agricultural consultants

Employment Practices Liability Insurance (EPLI)

“One of my employees filed a discrimination lawsuit, claiming I unfairly denied them a promotion.”
 
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment. This coverage is included in a BOP from The Hartford and can also help cover claims made by third parties, such as customers or vendors.

Taking Care of Your Team

From fieldwork and data collection to client communications, your team is essential to your success. But the unpredictable nature of agricultural consulting means workplace accidents and injuries can happen. The right insurance helps pay for medical bills, lost wages and legal expenses, so you can focus on keeping your business on track.
Highway crashes that occur on the job cost employers $26,081 per crash and $78,418 per injury.2
workers compensation for agricultural consultants

Workers’ Compensation Insurance

“While out in the field collecting soil samples, one of my assistants slipped in mud and injured her ankle. She needed medical treatment and time off to recover.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help cover their medical bills and replace lost wages if they can’t work.
commercial auto insurance for agricultural consultants

Commercial Auto Insurance

“My assistant was on the way to the lab with soil samples when he got rear-ended. Our company truck had to be repaired.”
 
Commercial auto insurance can help cover property damage and bodily injury claims if you or an employee gets into an accident while driving a business-owned vehicle for work.

Protecting Your Property

From soil testing tools to office essentials, your equipment and workspace are essential to delivering top-tier agricultural consulting services. Yet unexpected damage, theft or accidents can disrupt your operations and impact your finances.
Water damage is one of most costly and common causes of property loss.3
commercial property insurance for agricultural consultants

Commercial Property Insurance

“During a storm, a tree fell on our building and let in torrents of rain. The water damaged a lot of our testing equipment.”
 
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
lost computer coverage for agricultural consultants

Lost Computer Coverage

“My suitcase never made it to baggage claim, and my work laptop was in it. It was a big hit to my budget to replace it last minute.”
 
Lost computer insurance provides protection from physical loss or damage to computers worldwide, including while in transit.

Coverage That Supports Your Business Through Every Season

With more than 200 years of insurance experience, The Hartford understands the industry risks agricultural businesses like yours face. That’s why we designed our agricultural consultant insurance solutions to help you get the coverage your business needs to thrive.

Frequently Asked Questions About Agricultural Consultant Insurance

Agricultural consultant insurance is a collection of business insurance coverages designed to help protect you from various risks. For example, if a client slips and falls at your office or a technician gets hurt while collecting dirt samples, general liability insurance can help pay their medical bills. Having workers’ compensation insurance means your employees can get benefits to help them recover.
Even the most experienced agricultural consultants can face unexpected challenges that disrupt their business operations. If someone knocks over expensive irrigation equipment during a farm visit or there’s an issue with the technology you use for soil analysis and crop planning, having the right insurance can help keep your business running smoothly. Agricultural consultant insurance helps protect your business from liability claims, property damage and equipment failures, so you don’t have to worry about costly setbacks.
The best way to get agricultural business insurance from The Hartford is to get a quote. We make it easy for you to get a fast and free insurance quote online. In just a few minutes, you can find customized insurance to fit the needs of your agricultural consulting business.
male business owner happily works after getting agricultural consultant insurance quote

Cultivate Confidence With Agricultural Consultant Insurance

Get agricultural consultant insurance that can grow with your business.
 
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Related Articles

 
 
Last Updated: February 20, 2026
 
1 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” Viewed January 2026
 
2 Traffic Safety Organization, “Cost of Motor Vehicle Crashes to Employers,” Viewed March 2025
 
3 Risk & Insurance, “Water Damage Is a Leading Cause of Commercial Real Estate Claims. How Sensor Technologies Help Mitigate These Claims,” Viewed March 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
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