Looking for Business / Professional Services Insurance?
Protect your professional service business from errors, omissions, client disputes, and liability claims. Harper provides insurance for consultants, advisors, freelancers, and professional service providers across industries, with fast certificates for clients, contracts, and partnerships.
What is Business / Professional Services Insurance?
Professional services insurance protects consultants and service providers against risks such as professional errors, client disputes, data breaches, and third-party liability claims. Coverage commonly includes professional liability (errors and omissions), general liability, and cyber liability. Many clients and contracts require proof of insurance before engaging services.
Who Needs Business / Professional Services Insurance?
- Business and management consultants : Businesses requiring specialized insurance coverage
- Professional advisors and strategists : Businesses requiring specialized insurance coverage
- Freelance specialists : Businesses requiring specialized insurance coverage
- Independent service contractors : Businesses requiring specialized insurance coverage
Why Harper?
Professional Services Expertise
Professional services businesses face risks related to advice, deliverables, deadlines, and data handling. Harper understands these exposures and places coverage designed for consulting, advisory, freelance, and service-based work.
Fast Proof for Client Engagements
Corporate clients and contract agreements often require insurance documentation before work begins. Harper delivers accurate certificates quickly to support onboarding, proposals, and renewals.
Clear, Practical Guidance
We explain professional liability, general liability, and cyber coverage in clear terms so you understand what protects your services, contracts, and client relationships.
Coverage Matched to Your Services
Whether you provide consulting, advisory services, technical support, creative work, or independent contracting, Harper helps align coverage with how you operate and serve clients.
Frequently Asked Questions
What insurance do professional service providers need?
Most providers need professional liability (E&O) coverage for service-related errors, general liability coverage for third-party injuries, and cyber liability coverage if client data is handled. Workers' compensation is required if you have employees.
Is professional services insurance required?
Often, yes. Corporate clients, enterprise customers, and government contracts commonly require professional liability coverage before engagement.
How much does professional services insurance cost?
Costs vary by services and revenue. Solo consultants may pay $500–$2,000 annually, while firms with multiple professionals often range from $3,000 to $10,000 or more.
Does insurance cover missed deadlines?
Professional liability coverage may apply when missed deadlines result in financial loss to a client, subject to policy terms and contract details.
Does insurance cover data breaches?
Cyber liability coverage can apply to data breaches, notification costs, credit monitoring, and certain regulatory expenses.
Can I add clients as additional insureds?
Some contracts require adding clients as additional insureds. Harper helps determine when this is appropriate and handles certificate and endorsement requests.