Insurance for Safety Consultants

business owners protected by insurance for safety consultants

Stay Ahead of Hazards With Insurance for Safety Consultants

You work all day to keep others safe and compliant, but who’s looking out for your business? Whether you're leading safety audits or helping companies navigate OSHA regulations, safety consultant insurance helps protect you from the unique risks of this industry.
 
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business owners protected by insurance for safety consultants

What Is Safety Consultant Insurance?

Insurance for safety consultants is a collection of business insurance coverages designed for professionals who identify hazards, provide compliance guidance and help businesses reduce risk. Also known as business insurance for safety professionals, these coverages help protect you from:
 
  • Client injury
  • Professional errors
  • Property damage
  • Lost or stolen equipment
 

Why Is Insurance for Safety Consultants Important?

As a consultant, you work closely with your clients on safety issues, which could put your business at risk. What if a client claims you missed a hazard that could cause an accident or a mishap during an inspection leads to personal injury? If you don’t have insurance, you’d have to pay for damages, legal fees and medical bills out of pocket. Insurance can help protect your finances, so you can focus on your customers.
 
Safety consultant insurance can help safeguard your business from the risks that come with:
 
  • Conducting workplace safety audits
  • Developing fire prevention and emergency plans
  • Providing OSHA compliance recommendations
male small business owner protected by safety consultant insurance

Who Needs Safety Consultant Insurance?

The Hartford designed its insurance solutions with risk management professionals in mind. Our coverage can help protect:
 
  • Independent safety consultants
  • Workplace safety auditors
  • OSHA compliance specialists
  • Construction site safety managers
  • Risk assessment professionals
  • Environmental health and safety (EHS) consultants
  • Hazardous materials safety consultants
  • Fire safety and prevention advisors

What Type of Insurance Might I Need for a Safety Consulting Business?

Many safety 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 coverages to help protect your business from the financial burden of medical bills, legal fees and damages related to claims.

A BOP includes: 
 
General liability insurance to help cover claims of bodily injury or property damage, like if you accidentally break equipment during an audit or if a client blames you for their injury.
 
Commercial property insurance to help protect your owned or rented office space, as well as the tools, equipment and supplies you use to operate your safety consulting business. These can include:
 
  • Personal protective equipment (PPE)
  • Cameras, laptops and tablets
  • Measuring and inspection tools
  • Ladders and scaffolding
  • Handbooks and materials
Business income insurance to help replace lost income if you can’t conduct audits or otherwise operate your business temporarily because of property damage caused by fire, theft or wind.
 
At The Hartford, we know that no two safety consultants have the same needs or face the same risks. That’s why we’ve made it easy for you to add other types of insurance to your BOP for well-rounded protection, including:
 
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How Much Does Safety Consultant Insurance Cost? 

Safety consultant insurance costs vary because every business is unique. Here are some of the average costs The Hartford’s small business customers in this industry pay for common types of coverage:**
 
  • 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 liability insurance may be different than the average. That’s because every business owner has specific 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.
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Covering Your Operations

Your work puts you in high-risk environments where even a small oversight can lead to big problems. Inspecting heavy machinery? One wrong step could lead to costly property damage. 
There were 81,055 charges of workplace discrimination filed with the Equal Employment Opportunity Commission in 2023.1
general liability for safety consultants

General Liability Insurance

“During a site inspection, a client’s employee tripped over our tools and hurt his ankle. He filed a lawsuit to cover his medical bills.”
 
General liability insurance helps cover claims that your consulting business hurt somebody else. It can help pay their medical bills or your legal costs if you get sued.
EPLI for safety consultants

Employment Practices Liability Insurance (EPLI)

“One of my managers terminated an employee based on their performance. She sued our business and the manager, alleging discrimination.”
 
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment. With The Hartford, you can choose additional coverage to help cover claims made by third parties, like vendors and customers.

Taking Care of Your Team

Whether you’re an independent safety consultant or managing a team, keeping your people protected is just as crucial as safeguarding your clients. If an employee gets injured during a site inspection, their medical expenses and lost wages could escalate quickly. The right insurance can help cover those costs.
In 2023, every two in five car accidents were work-related.2
workers compensation for safety consultants

Workers’ Compensation Insurance

“During a site audit, one of our consultants lifted a heavy box and tweaked her back. She couldn’t work for a week and had to go to physical therapy.”
 
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 liability insurance for safety consultants

Commercial Auto Insurance

“One of our consultants was on the way to a jobsite when he got into an accident. The other driver had to go to the hospital, and their car was towed away.”
 
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.

Protecting Your Property

Your work relies on specialized tools and equipment. If a fire, theft or accident damages your gear, the right type of insurance can help pay for repairs and replacements, so you can keep your schedule on track.
About 75% of all water damage losses are caused by plumbing or HVAC systems, not storms.3
commercial property insurance for safety consultants

Commercial Property Insurance

“A water pipe burst in our office, soaking a lot of our equipment and important paperwork. It took us weeks to clean up and replace everything.”
 
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.
lost computer coverage for safety consultants

Lost Computer Coverage

“While I was out of town for a conference, multiple laptops went missing from our hotel room. Replacing them was expensive, especially on short notice.”
 
The Hartford offers lost computer coverage worldwide, which helps safeguard against theft or direct physical damage, including while in transit.

Frequently Asked Questions About Insurance for Safety Consultants

Insurance for safety consultants helps protect you from financial risks and liability. If a client claims your safety recommendations led to a workplace accident or a former employee files a wrongful termination lawsuit, having the right types of insurance can help pay for costly legal fees and settlements. Beyond liability, insurance can also help cover property damage. Whether it’s damage to your own safety equipment, such as testing devices and training materials, or accidental damage to a client’s facility during an inspection, it’s important to protect your business from unexpected events.
Your job is to help businesses reduce risks, but you’re not immune to them yourself. A client could sue you, expensive safety equipment could get stolen or damaged in transit or an employee could get injured while conducting a site audit. Without insurance, these incidents could lead to costly legal battles, financial losses and disruptions to your business.
he best way to get insurance from The Hartford is to get a quote. In a matter of minutes, you can find coverage options tailored to the needs of safety consultants. We make it easy for you to get a fast and free quote online.
male business owner happily works after getting safety consultant insurance quote

Help Secure Your Business With Safety Consultant Insurance

Start managing your own risks and get reliable coverage for your business.
 
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Related Articles

 
 
Last Updated: February 12, 2026
 
1 U.S. Equal Employment Opportunity Commission, “2023 Annual Performance Report,” Viewed March 2025
 
2 U.S. Bureau of Labor Statistics, “National Census of Fatal Occupational Injuries in 2023,” Viewed March 2025
 
3 Risk & Insurance, "Water Damage Claims Continue To Drive Non-CAT Property Losses,” 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.
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 shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. 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. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
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