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Workers' Compensation Insurance for Consultants

Policies for finance, business, and tech professionals and consultants

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Why do Consultants need
Workers' Compensation Insurance?

Comply with state laws

Comply with state laws

Avoid fines

Avoid fines

Protect your employees

Protect your employees

Protection from lawsuits

Protection from lawsuits

...'cause they can get hurt

Accidents happen. Carrying workers' compensation insurance for consulting businesses can help cover medical expenses, lost wages, death benefits, and legal costs in the event of an injured employee in your place of work. With workers' compensation insurance for business professionals, you can gain peace of mind if something occurs.  

  Common Consultant injuries

  • Eye strains
  • Carpel tunnel syndrome

Common types of Consultant and Professional workers we can insure

Accounting and Finance Insurance

Accounting and Finance

Coaches Insurance

Coaches

IT and Support Technicians Insurance

IT and Support Technicians

Insurance Companies Insurance

Insurance Companies

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Don't see your business classification?
We're here to help. Call 866-338-8823.

Do consultants need workers' compensation insurance?

Yes - it’s just as important for a business professional to take care of themselves at their place of work as it is for a construction worker. With help from Kickstand Insurance, you can find workers' comp for consultants that makes sense for your business endeavors. 

Want to learn the cost of workers' comp insurance for consultants? Get your quote today.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers' comp policy, they do not need to pay anything towards the bills.

What will Consultant and Professional Insurance pay for?

  • Medical bills
  • Rehab and therapy expenses
  • Lost wages and disability benefits
  • Funeral cost
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How much does Workers' Comp Insurance
for Consultants cost?

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What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Consultants

8810 - Accounting and Finance

8810 - IT and support

8720 - Inspection of Risks for Insurance or Valuation Purposes

8720 - Safety Consultant

8720 - Insurance Inspector, Claims Adjuster

8721 - Real Estate Appraisal Company

8723 - Insurance Companies

8820 - Attorney’s Office

8855 - Banks And Trust Companies - All Employees


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Don't see your business classification?
We're here to help. Call 866-338-8823.

Get Workers’ Compensation for Consultants today!

Wondering if you’re suitable professional liability and workers' comp insurance for consultants? Ready to learn more about consulting insurance costs? Contact us today. 

Get my Quote

Helpful tips to save money

Choosing consultant and professional workers' comp insurance services may sound simple, but doing it wrong can be very costly. Here’s how to save money:

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Classify your workers correctly
For example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

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Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

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Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved. 

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Report every incident
- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

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Prepare for your audit
Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later!

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FAQ's on Workers' Comp for Consultants

How quickly can I get my certificate of insurance?

Certificates are usually issued 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

State laws on Workers' Comp for Consultants

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements. 

Choose your state from the dropdown to learn more.
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*Don't see your state? Have no fear!
Kickstand does business nationwide.
Our web team hasn't gotten to the other state pages yet.
Reach out and we'll help you. Call 866-338-8823.
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Need other types of insurance for Consultants?

Yes, we can help with that too!

Explore more about Consultant and Professional

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

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Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

  • Avoid surprise bills at audit
  • Make sure all your employees are properly covered
  • Protect yourself from lawsuits

What do we check?

  • Business categorized correctly
  • Employees job roles
  • Special discount opportunities
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Get Workers’ Compensation for Consultants today!

It’s time to get the coverage you need. Just complete our simple online form and we’ll get you a no-obligation quote and connect with one of our expert agents. It’s that simple!

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