Consultants provide expert advice that clients rely on to make critical business decisions. When that advice leads to an unfavorable outcome, consultants need professional liability protection. Our programs cover solo consultants to mid-sized consulting firms.
Coverages we place
Professional liability (E&O) for advice, recommendations, and deliverables
General liability for client office visits and meetings
Cyber liability for data handled during engagements
Business owner's policy for your office space
Commercial auto if you travel to client sites
Workers' comp if you have employees or contractors
Umbrella liability for large-contract requirements
Media liability for published content and presentations
Client industries (healthcare and financial clients = higher risk)
Whether you provide implementation vs. advisory only
Number of consultants and subcontractors
Common exclusions
Guarantees of specific business results
Services outside your stated expertise
Known errors not disclosed at policy inception
Bodily injury claims (covered by GL)
Patent or trade secret infringement
Frequently asked questions
Do independent consultants need insurance?
Yes. Most clients require E&O insurance before signing a contract. Even without a requirement, a single professional negligence claim can exceed your annual revenue in legal costs.
How much does consultant E&O insurance cost?
Solo consultants typically pay $500–$2,000/year for E&O. Costs increase with revenue, number of consultants, and the risk level of your specialty.
Does my client's insurance cover me?
Generally no. Your client's insurance covers their employees, not independent contractors. You need your own E&O and GL policies to be properly protected.