Professionals & Consultants Insurance
Consulting businesses sell expertise, advice, deliverables, and outcomes. When something goes sideways, the claim is often not property damage, it is financial loss: missed deadlines, a bad recommendation, a flawed report, or a project that does not perform as expected. This is where Professional Liability (E&O) matters, and where having a broker in your corner is essential because consultant policies are not standardized.
What Most Consultants Need
Professional Liability (E&O)
Covers allegations that your advice, services, or deliverables caused a client financial loss. This is the coverage most consulting contracts are really trying to address.
Commercial General Liability (CGL)
Covers bodily injury and property damage to others (and is often required by landlords and client/vendor contracts). It is not a substitute for E&O, but it is commonly required alongside it.
Cyber and funds transfer fraud
Consultants are targets for phishing, credential compromise, and invoice redirection, especially when you handle client data or move money. Cyber can be scaled to your size and risk.
Who This Coverage Is For
Business and management consultants
Strategy, operations, process improvement, project management, and advisory services.
IT, software, and implementation consultants
Implementation, migration, integration, configuration, and support services (often contract-heavy).
Marketing, creative, and media services
Campaign work, content, brand work, and deliverables tied to performance expectations.
Bookkeeping, payroll, and administrative consultants
Errors can create real client financial loss quickly. Coverage needs to match the scope.
Engineers and architects
We have in-house specialized programs tailored for architects and engineers.
Business and management consultants
Strategy, operations, process improvement, project management, and advisory services.
IT, software, and implementation consultants
Implementation, migration, integration, configuration, and support services (often contract-heavy).
Marketing, creative, and media services
Campaign work, content, brand work, and deliverables tied to performance expectations.
Bookkeeping, payroll, and administrative consultants
Errors can create real client financial loss quickly. Coverage needs to match the scope.
Engineers and architects
We have in-house specialized programs tailored for architects and engineers.
Most consultant claims start as a disagreement.
We'll place coverage that can actually respond.
We start with a short review of what you do, what you sign, and what your clients expect. Then we come back with clear options and explain what's different between them, so you can choose confidently.
Key Things to Know
E&O is less standardized than people think
Definitions, exclusions, defence costs, consent-to-settle, and what counts as professional services varies by market. We compare wordings and explain what actually matters for your work.
Contracts and certificates are a driver of limits
If your MSA requires $2M E&O, Additional Insured on CGL, or specific certificate language, we will structure the policy properly and keep COIs moving.
E&O is less standardized than people think
Definitions, exclusions, defence costs, consent-to-settle, and what counts as professional services varies by market. We compare wordings and explain what actually matters for your work.
Contracts and certificates are a driver of limits
If your MSA requires $2M E&O, Additional Insured on CGL, or specific certificate language, we will structure the policy properly and keep COIs moving.
Common Consultant Claim Scenarios
These are the real-world issues E&O is built for. Good documentation and good contracts help. Good insurance makes sure a dispute does not become a business-ending event.
Frequently Asked Questions
Is E&O the same as professional liability?
Yes. E&O is a common term for professional liability coverage for consultants and service providers.
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