Consultant Insurance — advice, protected.
When you're paid for your expertise, a single claim of bad advice can be costly — and most client contracts require coverage. We protect consultants with professional and general liability.
Coverage you probably need
Professional Liability (E&O)
Covers claims that your advice or work caused a client financial loss. What is professional liability (e&o)? →
General Liability
Covers third-party injury and property damage — often required to sign a contract. What is general liability? →
Cyber
Protects against data breaches if you handle client information. What is cyber? →
Business Owners Policy
Bundles liability with coverage for your office and equipment.
Workers Compensation
Required in most states once you have employees. What is workers compensation? →
What can go wrong
- A client claims your recommendation caused a financial loss.
- A missed deadline or deliverable triggers a dispute.
- Client data you hold is breached.
What carriers usually ask
- The type of consulting you do and your typical project size.
- Annual revenue and whether you use written contracts.
- Whether you handle client data or systems.
- Number of employees or subcontractors.
Common contract wording
Client contracts frequently require Professional Liability (E&O) and General Liability at set limits, Additional Insured status, and sometimes Cyber coverage, with a COI before the engagement.
State notes: Requirements vary by client and industry; we tailor limits to your contracts.
Get covered for Consultant Insurance.
Start an instant quote, or have a licensed agent review your exact situation.
Start a quote Send to an agentConsultant Insurance FAQs
Do solo consultants need E&O?
Usually yes — most client contracts require it, and a single claim can exceed a year of revenue.
What does E&O actually cover?
Claims that your professional advice, errors, or omissions caused a client a financial loss, including defense costs.
Can you issue a COI for my client?
Yes — quickly, naming the client as Additional Insured where required.
Keep exploring
Coverage descriptions are general and vary by state and carrier. Final terms are confirmed at quote.