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Workers' Compensation for Consultants

Name: Workers' Compensation Insurance for Consultants
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

Policies for finance, business, tech professionals, and consultants.

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Why do Consultants need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

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

Slips, trips, and falls – Loose cables or cluttered spaces can lead to sprains or broken bones.
Repetitive strain – Typing or using a mouse for long hours can result in carpal tunnel or other hand injuries.
Eye strain – Extended screen time often causes headaches and blurry vision.
Equipment injuries – Handling tools or machinery can result in cuts or bruises.
Vehicle accidents – Traveling to meet clients increases the risk of car-related injuries.

Common types of Consultant and Professional workers we can insure

Accounting and Finance

Coaches

IT and Support Technicians

Insurance Companies

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 an active Consultants workers' comp policy, they do not need to pay anything towards the bills.

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 Workers' Comp Insurance pay for?

Medical bills
Rehab and therapy expenses
Lost wages and disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Consultants cost?

In 2025, consultants typically pay $0.11 per $100 of payroll for workers' comp insurance, which averages around $10 a month per employee, not including taxes and fees. This low rate highlights the minimal risk involved in consulting roles.

For a full breakdown of workers' comp costs for consulting businesses, check out: Workers' Compensation Insurance for Consultants Cost 2025.

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

For more details on class codes, visit this detailed guide: Workers' Compensation Class Code 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

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

Looking for Workers' Compensation Insurance for Consultants?
Get a hassle-free instant quote & get coverage in under 10 minutes.

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

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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:

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

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

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.

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

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! Our Consultant and Professional Workers’ Compensation Audit Checklist can help.

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! A Consultant and Professional Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Consultants

How quickly can I get my certificate of insurance?

‍We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

I’m a claims adjuster, and some properties won’t let me work without workers’ comp coverage. I don’t have employees—what are my options?

In this situation, a ghost policy can be a great solution. While you may not be legally required to have workers’ comp if you’re a sole proprietor with no employees, a ghost policy can satisfy property requirements and help you secure contracts.

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.
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Choose your state from the dropdown to learn more.

Need other types of insurance for Consultants?

Yes, we can help with that too!

Learn more about Consultant and Professional Insurance

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Workers' Compensation Class Code for Consultants: A Guide

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Workers Compensation Insurance for Consultants Cost 2025

The Case for Workers’ Compensation Insurance for Consultants

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers' comp for professionals & consultants insurance quote surrounded by insurance icons

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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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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The Ultimate Guide to Workers' Comp Insurance

A Step-by-Step Handbook for Small Businesses - you don't want to skip this!

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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