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What is HR consultant insurance?
You help businesses navigate Australia’s changing employment laws and protect themselves with informed advice. But who is watching your back?
Giving outdated advice on employee regulations, unresolved conflicts, or not meeting a client’s expectations could create costly issues for your business. An unexpected cyberattack or physical damage to your electronic equipment could also disrupt your day-to-day operations.
This is why many HR consultants choose to consider business insurance to help protect themselves and their business.

Why do HR consultants need insurance?
HR consultants may need business insurance to do things like:
Take on a new contract
Pay legal costs if you face a liability claim
Deal with the fallout of a cyberattack.
Types of cover we offer HR consultants
BizCover has insurance options for HR consultants who fit into almost any niche.
Tailor your quote to your business, compare cover, and buy online in minutes.
Popular cover types for HR consultants:
HR consultants could also consider:
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
How much does consultant business insurance cost?
Every HR consultant is unique, and so are their businesses. Factors that may influence the price of your premiums include the industries you work with, the size of your business, the services you provide, the amount of cover you choose, and your claims history.
The average monthly cost of business insurance for an HR consultant with BizCover is $58.

How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of Employees
Claims History
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.

Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
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How to make a claim online
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See how much others have saved while purchasing policy through BizCover
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently Asked Questions
Professional Indemnity (PI) insurance is an important form of protection for businesses that provide specialist services or professional advice. It is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. This can be a worthwhile insurance product for HR consultants who provide advice as part of their service offerings.
Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public brings a claim against you due to their being injured or sustaining property damage as a result of your negligent business activities. If you frequently meet clients in person, then you may wish to consider Public Liability insurance. This type of insurance product may also be required if you lease commercial offices.
Business Insurance (also known as a Business Insurance Pack) is a convenient way to bundle several types of cover that may suit your business needs. You can customise your Business Insurance Pack to include only cover that makes sense for your independent consulting business, like Tax Audit, Building, Contents, and Business Interruption cover (just to name a few).
Cyberattacks against Australian small businesses are common, and consultancy businesses could be prime targets. Your client list is valuable to cybercriminals, especially if it contains personally identifiable information such as email addresses and payment details. Cyber Liability insurance covers losses from claims arising from data breaches, business interruption and remediation costs following an actual or threatened data breach.
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