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.
General Liability
Covers third-party injury and property damage — often required to sign a contract.
Cyber
Protects against data breaches if you handle client information.
Business Owners Policy
Bundles liability with coverage for your office and equipment.
Workers Compensation
Required in most states once you have employees.
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.
Coverage descriptions are general and vary by state and carrier. Final terms are confirmed at quote.