Consultant Insurance: What Kind of Consultants Should Get Coverage?
Nationwide, and even across the globe, more and more people are taking on consultancy work. Many consultants in various fields are realizing the benefits of and investing in consultant insurance. Quality insurance allows consultants to do their jobs with peace of mind, free of some of the worries that can cause stress for professionals without insurance. Learn about just a few of the growing consultancy fields that should consider insurance.
What Kind of Consultants Should Get Coverage?
IT Consultants
IT consultants know the range of challenges they can face in their daily working lives. IT systems are often complex, interweaving networks, relying on a variety of separate software systems to keep them safe and running efficiently. Even when you share your expertise, there’s so much that could go wrong, and you might be first in the firing line. One minor mistake can have wide-reaching and difficult-to-recover consequences.
Even the most detail-oriented person, can have something go wrong when your back is turned and when relying on technology. Especially in large companies, even if you’ve laid down the most stringent of security measures on a network, if an employee makes a common mistake, like downloading an attachment from an unfamiliar email address, then tries to cover it up, you could find yourself being blamed.
Graphic Design Consultants
They say first impressions are important. So, it’s no wonder businesses across the world are investing ever-increasing sums into graphic design, pushing the boat out on consultants to ensure they make a splash with their visual designs. This might be a field where you feel you’re safe, but even here a lot can go wrong.
Copyright is a minefield, with many parties launching scurrilous claims of intellectual copyright breaches against businesses using branding with even the faintest resemblance to your own. In fact, over 12,000 intellectual copyright cases reach federal courts each year. Even if some of these claims are extremely unlikely to succeed in court, you could find yourself on the hook for damages if you don’t have good professional liability insurance.
Safety Consultants
If you’re working as a safety consultant, it’s not just your clients you need to keep safe. It’s important to look after yourself too! Safety is another highly stressful field to work in, where the possibilities for litigation from disgruntled clients are practically endless. Even if you’ve done your job well, an act of God or simply a human error from someone you’ve never met could be laid at your door.
No matter of care and attention is enough to ensure you won’t face legal action in your career as a safety consultant. Take your own advice and give yourself a safety net!
HR Consultants
Human resources is a tough field. It can sometimes feel like you’re on your own in this area, trying to balance the demands of a company as well as potentially disgruntled employees. It’s an area of business where people take their disputes. You could get caught between a company and an employee with one party feeling like you didn’t complete your job as expected.
That’s why this is a particularly important field for consultants to be properly insured. When you’re at risk of litigation from people on all sides of the business, it’s a dangerous place to be and so it makes sense you might need a little extra protection.
Telecommunication Consultants
Communications are crucial to the running of any enterprise. That’s just one reason businesses are increasingly hiring consultants to ensure their telecommunications run smoothly. And it’s serious business. Telecommunications isn’t just ensuring the office phone continues ringing. It’s keeping entire global call centers running smoothly or ensuring communication links to business associates on the other side of the world.
Just like the IT field, it’s an area where with many moving parts, and a small issue could have large consequences. But if these mistakes emerge within a system that you implemented, you could be the one facing litigation. It’s not fair, but it does happen. The only way to protect yourself and ensure you get a good night’s sleep is to invest in quality insurance.
Public Relations Consultants
When you work in public relations, you’re often doing some of the most important work that can be done for any company. Providing many of the resources that comprise the public face of the business, you can make or break brands with your actions. It’s high-stakes work, and a simple mistake that might go unnoticed in some other line of work could land you in serious trouble.
Quality insurance will allow you to do your job in the PR sphere without the worry of litigation should something go wrong. You’ll sleep peacefully knowing you won’t be out of pocket should things not go to plan.
Consultants Get Fast and Affordable Insurance
Since consultants are often contractors instead of regular employees, they’re often first in the firing line when something goes awry. A simple insurance policy may help you in many of the professional disputes the can occur.
At NOW Insurance we provide insurance that’s simple, fast and affordable, and we specialize in insurance for consultants. The consultants listed in this article are just a few of the over 100 types of consultants we can insure. Learn more about professional liability for consultants. Get a quote in under three minutes from our easy online application. We’re here to help, so contact us with questions about coverage.
