HR consultants handle sensitive employee data and provide guidance that directly impacts client businesses. Key coverages include:
- Professional Liability (E & O) – Protects against claims tied to advice, hiring recommendations, or compliance guidance that clients say caused financial loss.
- General Liability – Covers third-party injuries or property damage that might occur at client sites or your own office.
- Cyber Liability – Important for HR professionals who store personal employee data and payroll information digitally.
- Business Owner’s Policy (BOP) – Bundles liability and property coverage, often at a lower cost.
- Workers’ Compensation – Required if you employ staff, protecting against workplace injuries.
