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Who needs education consultants insurance?
Education consultants, who advise students and families on education decisions, work with a school system to design a curriculum should consider professional and general liability insurance. Problems can arise when all your efforts may not yield the results that the student, family or school system desired, and obtaining insurance should protect you from resulting legal fees and potential settlements.
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Insurance Policies available for education consultants
For most professional educators, there are three main types of insurance policies that will be worth considering—each of which can provide its own unique aspects of protection to help you run your consulting business with confidence.
Professional liability insurance for education consultants
Professional liability insurance—sometimes called E&O insurance—provides a number of potential benefits, including coverage for personal injury (libel and slander, as examples), negligence, defense costs and also claims against past-rendered services. Though claims such as bodily injury, property damage and fraudulent acts usually aren't covered under this policy, this type of business insurance is important for education professionals who regularly provide services, consultation or advice to students, families and school systems.
For example, an education consultant was hired by a family to help ensure that their child’s school is following the Individual Education Plan or IEP created for their child The consultant failed to identify some of the deviations from the plan. The parents sued the consultant for negligence. The consultant’s professional liability insurance policy would pay for the consultant’s defense.
If a client should react negatively to your advice or otherwise feel as if they or their career goals or school district have been damaged in some way by the services you provide, you or your business may be sued.
General liability insurance for education consultants
General liability—also called commercial general liability (CGL)—covers professional educators against property damage, claims of bodily injury and associated medical costs.
Here’s an example of a situation in which general liability insurance would protect an educational consultant. The family of a prospective client comes to an educational consultant’s office to meet. During the visit, the child trips over an area rug and falls, breaking their wrist. The consultant’s general liability policy could cover the child’s medical costs related to the injury.
This business insurance policy also covers electronic data liability, which is very important for education consultants who store sensitive information on business-related equipment. Though your property won't usually be covered under general liability insurance, damage sustained to third-party property will be.
Business owners policy (BOP) for education consultants
For many education consultants, a business owners policy (BOP) may be the best choice. A BOP is a combination of general liability and business property insurance and is often used to provide coverage to small businesses with the aim of protecting valuable equipment.
For instance, an educational consultant with a BOP would be covered if the office they rent sustains a fire and their computer equipment is damaged by the water used to put out the fire.
Why do education consultants choose Hiscox?
At Hiscox, we understand just how much work goes into being an education consultant. Whether you've opened your own business or are working as an consultant in a different capacity, we can help you grow your career by reducing risk with our small business insurance policies, allowing you to focus on what really matters: providing exceptional consulting services to your clients.
Here are six reasons why education consultants choose Hiscox above other providers for professional liability insurance and general liability insurance:
- Flexible payment options: We offer you the option of making monthly payments (with no additional fees) to help you manage your cash flow.
- Tailored insurance: We specialize in businesses like yours and tailor coverage to the risks in your field.
- Claims responsiveness: When a covered claim is reported, Hiscox will immediately assign a dedicated claims representative to assist you.
- Coverage for contracts: Our architects insurance coverage satisfies most standard contract insurance requirements.
- Worldwide coverage: A business insured through Hiscox is covered for work done anywhere in the world, as long as the claim is filed in the U.S., a U.S. Territory or Canada.
- Passion for service: Agents knowledgeable about your business concerns will provide you with excellent service—4.7/5 people surveyed recommended us.
Ready to learn more about how Hiscox insurance can help mitigate risk with education consultants' insurance coverage? Get a fast, free quote now and get that Hiscox confidence behind your business. If you have questions, call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday – Friday, 7am – 10pm ET.
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This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.