Consultant Insurance
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
Who needs this coverage
Independent consultants, management consultants, IT/technology consultants, marketing consultants, HR consultants, environmental consultants, and strategy firms.
What drives your premium
- Consulting specialty and risk level
- Annual revenue and contract sizes
- 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.
Related coverage
Get a free quote or call (321) 206-8035.