The Hartford doesn’t offer professional liability insurance for education consultants online, but a local agency or Tivly may be able to help you find this coverage. The following content includes information from various sources and can change over time.
What Is Education Consultant Insurance?
Education consultant insurance is a collection of business insurance coverages for professionals who offer consulting services to institutions or individuals. Whether you're designing a curriculum or offering workshops, this insurance can help protect you from risks like:
- Personal injury
- Property damage
- Stolen equipment
- Lost income
Why Do You Need Education Consultant Insurance?
The right insurance helps safeguard your practice, so you can worry less about costly setbacks and keep making a difference. As an education consultant, you’re dedicated to helping others succeed. But a misinterpreted recommendation, a dissatisfied client or a surprise lawsuit could put your reputation and business at risk.
With The Hartford, you can have peace of mind knowing you have a partner to help protect your education consulting firm. We designed our business insurance coverage with consultants like you in mind.
Who Needs Education Consultant Insurance?
Maybe you work directly with students, collaborate with institutions or design educational programs. The Hartford’s insurance solutions can help protect a variety of consultants, including:
- Independent education consultants providing private tutoring
- Curriculum developers and instructional designers
- Educational workshop leaders and trainers
- Consultants advising schools, universities or training institutions
- Specialists in educational technology integration
- Assessment professionals conducting student evaluations
- Career and college advisors
- Program coordinators for after-school or community learning initiatives
What Type of Insurance Do I Need as an Education Consultant?
Many education 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 losses like personal injury, property damage and theft.
A BOP includes:
General liability insurance to help protect your education consulting business from claims that it caused bodily injury or property damage to others.
Commercial property insurance to help protect any office space you rent or own, as well as tools, equipment, inventory and supplies you use to operate your business. These can include:
- Laptops, tablets, printers, projectors and electronics
- Teaching aids and materials
- Office furniture and decor
- Stationery and business supplies
- Presentation kits and travel bags
Business income insurance to help replace lost income if you can’t operate your education consulting business temporarily because of property damage caused by theft, fire or wind.
At The Hartford, we know that every consulting business has different needs. So, we’ve made it easy for you to add other types of insurance to your BOP for well-rounded protection. These include:
How Much Does Education Consultant Insurance Cost?
The average costs The Hartford’s small business customers in this industry pay for common insurance coverages are:**
- BOP: $713 a year, or about $59 a month
- Stand-alone general liability insurance: $448 a year, or about $37 a month
- Workers’ compensation insurance: $510 a year, or about $43 a month
It’s important to remember that the cost of your education consultant insurance may differ from the average. That’s because your business has unique needs, and insurers may use several factors to determine rates. The best way to find out how much you’ll pay for education consultant insurance options is to get a quote.
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General Liability Insurance
“A workshop participant tripped over the cables running to my A/V equipment. He sprained his ankle and sued me, because he couldn’t work and had to pay for treatment.”
General liability helps cover claims that your education consultant business hurt somebody else. It can help cover their medical bills or your legal costs if you get sued.
Employment Practices Liability Insurance (EPLI)
“A former assistant made a claim against my office manager, alleging he was wrongfully terminated.”
Employment practices liability insurance (EPLI) is included in a BOP from The Hartford. It helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment. Our coverage can also help protect your consultancy from claims made by vendors, customers or clients.
Workers’ Compensation Insurance
“My assistant injured her neck while helping me set up equipment for a presentation. She needed physical therapy for months.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages if they can’t work. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
Commercial Auto Insurance
“On the way to a client meeting, my consultant rear-ended another car in traffic. Our business van and the other car had to be towed away.”
Commercial auto insurance can help protect you and your employees on the road if you’re driving a business-owned vehicle for work.
Commercial Property Insurance
“A pipe froze and burst in my office last winter. It flooded the whole workspace, ruining documents and several computers.”
Commercial property insurance helps protect your business' equipment, furniture and tools from loss or damage caused by events like storms, fires, vandalism or leaky plumbing.
Business Income Insurance
“When a hurricane knocked out power in my area for over a week, I had to cancel all my consulting sessions until it was restored.”
Business income insurance can help you continue paying expenses like rent, payroll and utilities when your business is unable to operate because of property damage from fire, theft, wind or vandalism.
Get Education Consultant Insurance
Get the coverage your business needs today.
Last Updated: December 16, 2025
1 U.S. Chamber Institute for Legal Reform, “Tort Costs for Small Businesses”
2 U.S. Bureau of Labor Statistics, “Employer-Reported Workplace Injuries and Illnesses, 2023”
3 Risk & Insurance, “Water Damage Is a Leading Cause of Commercial Real Estate Claims. How Sensor Technologies Help Mitigate These Claims”
** 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.
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
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The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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