Consultant Insurance in Vermont

T.S. Peck Insurance
Consultant Insurance Vermont

What is Consultant Insurance?

Consulting work can be both personally and financially rewarding, but it’s work that comes with a range of risks. Consultants often face both liability and property risks, and they may need protection from other perils as well. Consultant insurance helps shield consultants in Vermont from a variety of covered risks that they face.

Consultant insurance is a specialized form of commercial insurance that’s crafted to meet the unique needs of professionals offering this type of service. Most policies are underwritten as package policies, meaning they come with several coverages that work together to provide strong protection.

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Client Testimonials

“I just wanted to take a moment to let you know how great I think Caroline Collins is. – Every time I call to update my policy(and I have updated it a lot over the years) Caroline has been nothing but amazing to deal with. She takes care of all my needs in real time which is amazing. She is very personable, always respectful, extremely knowledgeable, and just all around awesome to deal with. I truly enjoy dealing with her and think she is a huge asset to your business from where I sit.”

Jason C.

“Friendly and prompt – I have been with T.S Peck for many years and have no complaints with their trusted service. They have always taken a friendly approach to their craft and are always willing to answer all of my questions!”

John S.

“We Contacted T.S Peck Insurance to inquire about auto insurance/ After with with Jake, we explored combining our auto and home insurance, in turn realizing a big savings.”

Lary P.
“When I called for a quote, my agent was personable and helpful. He always got back to me quickly with answers, which is extremely important. The entire process was handled in a timely manner and was able to meet my expectations and beyond.”
Dayne D.
“Jake Hynes and the folks at T.S. Peck have been awesome to work with! As a recent start-up, we were new to the “buying business insurance” scene. One phone call and all our concerns were laid to rest. The service has been great and the prices are very competitive. We recently price shopped again and found we were still in the best hands!”
Scott L.
Consultant Insurance Vermont

Who in Vermont Needs Consultant Business Insurance?

Most professionals in Vermont who offer consulting services should have consultant business to protect them. This includes professionals who:

  • Leave long-term employment positions to consult
  • Are currently employed but consult on the side
  • Consult part-time or full-time
  • Run a consulting firm that employs others

In firm settings, firms usually purchase a policy that extends coverage to all salaried employees.

Importantly, consultant business insurance isn’t limited to any one field. Policies can be adapted for a wide array of consulting work, and anyone who offers advice as an outside expert in their field might need a policy.

What Coverages Does Consultant Business Insurance Provide?

Consultants often adjust coverages to meet their needs, so the exact coverages that consultant business insurance policies provide can vary. Nonetheless, there are several coverages that many policies offer and lots of businesses choose. Some of the more common ones include:

An agent who specializes in consultant business insurance can help consultants determine what combination of coverages are most appropriate for their situation.

Consultant Insurance Vermont

Do Consultants Need Workers Compensation Coverage?

Workers compensation coverage normally insures against job-related injuries and illnesses, typically covering a portion of lost wages and medical expenses associated with covered claims. Most businesses that have employees are required to carry this coverage, and even self-employed individuals may want coverage in case their health insurance plan doesn’t cover a job-related injury.

Although consultants might seem to be at a lower risk of suffering a job-related injury or illness than workers in other fields, this is still an important coverage to carry. In addition to protecting against sudden job injuries, the coverage often also covers slow-developing issues like repetitive motion injuries and carpal tunnel syndrome assuming they’re directly caused by work. These are all risks that consultants face.

How Much Do Consultant Business Policies Cost?

Premiums for consultant business policies vary. The type of consulting work done, location of a business’ offices, number of employees, coverages selected and many other factors can all affect cost.

Consultants can check how much they’ll specifically need to pay for insurance by working with an independent insurance agent. An agent who isn’t connected to any one insurance company can compare policies from several insurers and show consultants exactly how much various companies would charge to cover them.

How Can Consultants in Vermont Get Consultant Insurance?

For help finding consultant insurance, contact the independent insurance agents at T.S. Peck Insurance. Our agents have worked with many consultants in Vermont, and they’re ready to help you.

Get in touch with our team!

T.S. Peck Insurance

For questions or concerns, please contact our independent insurance agents.

Office: 41 IDX Drive, Suite 135
South Burlington, VT 05403

Office: 158 Lake St,
St Albans, VT 05478