Insurance for Consultants
Discuss insurance for the advice, deliverables and client relationships your consulting business depends on.
Online quotes depend on eligibility and underwriting.
Let’s talk insurance.
Describe the consulting services you sell
Business, marketing and technology consulting involve different deliverables. Explain the services and the commitments in your contracts, including work performed at client sites. Do not rely on a broad consultant label to establish which professional activities a policy includes.
Think beyond one errors-and-omissions limit
Professional liability is an important discussion, but office property, customer visits and employees may also matter. If you handle client data, ask about cyber-related exposures separately. Compare exclusions, reporting conditions and the work described in the quote alongside the premium.
Coverage to consider
Professional liability: Claims about advice, instruction or services need attention separate from ordinary premises liability. The profession and policy wording matter.
General liability: Customer injuries and damage to another person’s property raise liability questions. Review the covered operations, limits and exclusions.
Business Owner’s Policy: A BOP combines liability and property coverage for eligible businesses. Review the property included, covered causes of loss and any business-income conditions.
Related business guidance
Opening a business? Read insurance for a new business. You can also browse all industries or find your city in Areas We Serve.
Coverage depends on the policy’s terms, limits and exclusions. An inquiry or online quote does not put coverage in force.
Common questions
Does a consultant need to list each service offered?
Yes. The policy’s description should reflect the advice and deliverables actually sold.
Does professional liability automatically include every data breach?
No. Cyber and privacy exposures need specific review.
What if a client asks for a certificate before work begins?
Provide the contractual requirements early so the requested coverage and endorsements can be checked.