General liability insurance for sales representatives

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Sales consultant insurance

Back-up for your business

Sales reps like you don’t wing it. You research your prospect and go in with a plan – plus a back-up plan. That way you anticipate potential questions and avoid losing a sale.

Make general liability insurance part of your back-up plan. It protects your sales consultancy from potential problems. The kind you’re more likely to run into when you deal with the public every day.

  • Why do sales reps need general liability insurance?

    What if you’re out and about on business and you accidentally damage someone’s property? Or someone trips over your briefcase and breaks an arm? Or a tricky customer claims they overheard you making a not-so-nice remark about them? You could find yourself facing a claim.

    Now without the right insurance, claims for slander, bodily injury or property damage can cost you a lot. The bottom line? They can seriously damage your bottom line.

    But it’s not just about the money you’ll spend defending yourself from a claim. It’s about the time and energy you’ll spend dealing with it. Both of which are better spent making sales.

    Even if the claim is groundless, general liability insurance can pay your legal defense fees and compensation, if necessary.

    Think of it as a back-up plan for your business. Accidents do happen, so why risk winging it?

  • What does sales consultant general liability insurance cover?

    • Bodily injury – A customer comes to see you at your premises. You close the sale, but as he leaves, he slips on your steps, breaking his ankle. A general liability policy can cover his medical costs and lost wages.
    • Property damage – When visiting a potential customer in their workplace you accidentally spill your mug of coffee, ruining their laptop. Your policy can cover the cost of replacing it.
    • Personal injury – A customer claims you spread a rumor about them. General liability insurance can cover your legal defense costs. It can cover the settlement, too, if it turns out you’re liable.
  • What other insurance policies do sales consultants need?

    Professional liability insurance – general liability insurance doesn’t cover your professional services. And as a professional, clients can sue if you make a mistake. If that happens, professional liability insurance can pay for an attorney plus your legal fees and compensation, if you’re liable.

    Cyber liability insurance – If you use email, own a website, or store client data, cyber insurance is a must. It can’t stop a cyber-attack, but it can pay your recovery costs so your business recovers from one.

    Business personal property insurance – if you take equipment like laptops and mobiles to meetings, this policy is worth having. It also covers the portable stuff in your office - from your furniture to your potted plants.

    Workers’ compensation insurance – most states require you to have this policy even if you only have one employee. It’s good to have anyway. It protects your business from the cost of workplace illness and injury claims which can be crippling.

    Business owner’s policy – a bundle of the basic policies a business owner needs, a BOP, as it’s known for short, includes general liability, property, business interruption and cyber insurance. You can tailor it -- just add in what you need and take out what you don’t. It works out cheaper than buying the policies separately, too.

    But every sales consultancy is different. We can tailor an insurance package to suit your unique needs. What’s more, it’ll only take a few minutes.

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