What insurance do consultants need?

Usually professional liability (E&O) for the advice you give, plus cyber for client data, general liability, and a business owners policy. E&O is the foundation.

Do I need E&O as a solo consultant?

Generally yes. The core risk is a client blaming your advice for a loss, and E&O covers the defense and covered damages even for a meritless claim. Clients often require it.

Why would a consultant need cyber?

Because consultants hold client data and work through email and cloud tools. Cyber exposure is not limited to tech companies. We match it to the data you handle.

Consultants Insurance - Vantage Point Risk

Insurance for consultants.

Independent consultants get paid for advice, and a client who blames that advice for a loss is the core exposure. Professional liability is the foundation, with cyber and general liability close behind.

Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.

Consultant insurance centers on professional liability (E&O) for the advice and recommendations you deliver, with cyber for client data, general liability for the basics, and a business owners policy, scaled to your clients and contracts.

Advice is the exposure

A consultant's product is advice, and the central risk is a client alleging your advice caused a loss, whether or not the claim has merit. Professional liability covers the defense and any covered damages, which general liability does not. For any advice-based firm, E&O is the foundation.

Cyber and client information

Most consultants hold client data, plans, financials, strategy documents, and work through email and cloud tools. That creates cyber and data exposure that has nothing to do with being a tech company, and cyber coverage addresses it.

Contracts and limits

Clients, especially larger ones, increasingly require consultants to carry E&O and sometimes cyber at specified limits, with additional insured status. We line your coverage up with those contract requirements so a deal does not stall over insurance.

Insurance for consultants.

Advice is the exposure

Cyber and client information

Contracts and limits

Common questions.

Does your coverage match the work you do?

Keep going.

Professional Liability (E&O)

Cyber Insurance

General Liability

Professional Services Coverage Review

Coverage for the advice you sell.