Cost guide
Premiums vary by revenue, the specific educational service you provide, coverage limits, and claims history. Here’s what typically drives the cost, in plain terms.
For most educational consultants, the biggest factors behind a Professional Liability / E&O and General Liability premium are annual revenue, the specific service — guidance and counseling, testing and evaluation, or curriculum development — the coverage limits selected, whether you have employees or subcontractors, and your claims history.
Service type can meaningfully affect underwriting: a solo consultant offering guidance conversations by phone typically presents a different exposure than a practice conducting frequent in-person testing sessions or contracting directly with school districts on curriculum work.
Higher limits generally cost more, but the relationship isn’t linear — moving from $1,000,000 to $2,000,000 in aggregate coverage is often a smaller percentage increase than the jump in protection. See our Requirements page for how school and district contracts typically drive limit selection.
First-time educational consultants sometimes worry that having no prior insurance history will inflate their premium. In practice, most carriers price new practices based on projected revenue and service type rather than penalizing a lack of history — the retroactive date conversation matters more once you’ve had continuous coverage for a few years.
Because pricing depends on your specific business details, we don’t publish a generic price table — it would be more likely to mislead than help. The fastest way to see a real number is to fill out the quote form; our licensed agents typically respond the same business day with pricing built around your actual practice.
Most educational consultants end up carrying both Professional Liability / E&O and General Liability, since school and district contracts commonly require both. Carriers frequently offer a modest discount for bundling the two coverages into a single package rather than purchasing them separately, and the underwriting process is generally simpler when both are quoted together from the start.
A clean claims history, several years of continuous prior coverage, and a well-documented engagement process (written proposals, signed statements of work) can all work in your favor during underwriting. Carriers generally view a consultant who operates with clear, written client agreements as a lower-risk profile than one who works entirely on informal verbal arrangements.
If you’re coming from a different insurer, having your prior policy’s declarations page on hand when you request a quote can speed up the process and sometimes helps establish continuous coverage history for retroactive-date purposes.
It varies enough by revenue, service type, and limits that a generic number wouldn’t be useful. The most reliable way to see your actual cost is to request a quote — it’s typically ready the same business day.
Yes, generally. In-person testing and evaluation work can carry different underwriting considerations than guidance work conducted mostly by phone or video, for example.
Generally yes, but the increase is often smaller in percentage terms than the added protection, especially moving from a $1,000,000 to a $2,000,000 aggregate.
Not necessarily. Most carriers price new practices on projected revenue and service type rather than penalizing the absence of a claims history.
Your business name, address, approximate revenue, the type of educational service you provide, and any specific limits a school or district contract requires. Our agents can quote from that starting point.
Educational Consultant Insurance connects you with licensed agents who build your custom quote — typically back the same business day, subject to underwriting.
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Our licensed agents build your custom quote — typically same business day.