Looking for Consulting Insurance?
Protect your consulting business from disputes, alleged mistakes, and contract requirements. Get tailored E&O and general liability coverage with fast certificates, clear pricing, and support for freelancers, agencies, and niche experts.
What is Consulting Insurance?
Consulting insurance protects you when clients claim your advice or deliverables caused financial loss. Professional liability (E&O) covers negligence, mistakes, or missed details. You can add general liability for onsite meetings or cyber insurance for data-heavy roles. It helps you stay contract-ready and reduces personal financial risk.
Protection for Advice Claims
Legal Defense & This consulting coverage helps protect your business with clear, reliable support.
Client Visit Protection
Optional general liability covers accidental property damage or injury during in-person client work.
Cyber & Data Breach Protection
Consultants risk claims when advice leads to client losses. Insurance helps cover errors and missed details.
IT & Tech Consultants
Marketing & Creative This consulting coverage helps protect your business with clear, reliable support.
Who Needs Consulting Insurance?
- Freelancers & Agencies : Businesses and professionals requiring consulting insurance coverage
- Consultant cover needs : Businesses and professionals requiring consulting insurance coverage
- Key cover for consultants : Businesses and professionals requiring consulting insurance coverage
- Consulting cover required : Businesses and professionals requiring consulting insurance coverage
- Client-required cover : Businesses and professionals requiring consulting insurance coverage
Why Harper?
Built for Modern Consultants
Harper Insure specializes in freelancers, independent consultants, coaches, and small advisory teams. We understand project scopes, retainers, and the risks tied to expert recommendations. Your coverage is built around how you work, with protection for advice, deliverables, missed details, and financial-loss claims. You get consulting-specific support, not a generic small-business policy.
Contract-Ready Coverage
Many clients, agencies, and procurement teams require E&O at specific limits, plus endorsements or proof before approving a project. Harper Insure reviews your contracts, clarifies requirements, and helps you select the exact limits and language needed. You stay compliant and avoid delays during onboarding, vendor review, or RFP submissions.
Affordable for Solo Pros
Independent consultants need strong protection without excessive premiums. We compare options across top carriers, explain how pricing changes with limits or deductibles, and help you avoid unnecessary add-ons. You get a balanced plan that meets client expectations, supports growth, and keeps your business protected without overspending.
Supports Growing Agencies
As you add subcontractors, expand service lines, or take on larger contracts, your risk profile changes. We help boutique agencies adjust their policies as their project size, staff, and industries evolve. You stay aligned with client requirements and protect the business as it scales into more complex engagements.
Frequently Asked Questions
How much does consulting insurance cost?
Pricing depends on services, revenue, risk profile, and limit selection. Many independents pay a few hundred dollars per year, while specialized roles or larger agencies pay more. We compare carrier options so you choose a plan that fits your projects and budget.
Does it cover financial loss claims?
E&O addresses allegations that your work caused financial harm. It can help with legal defense, negotiations, and covered settlements.
What limits should I carry?
Many consultants choose $1M/$2M, though larger engagements may require higher levels. We recommend limits based on contract size, client type, and your risk tolerance.
How fast can I get proof of coverage?
Certificates are usually issued the same day your policy is bound, helping you meet client deadlines and vendor requirements.
Get a consulting insurance quote that fits you
Most consultants select $1M/$2M coverage. IT, software, and financial consultants may require higher limits depending on contract size and risk.
How fast can I get proof of coverage?
Certificates are often available the same day your policy is issued, helping you meet tight client or agency deadlines.
