Looking for Service Provider Insurance?
Protect your service business from professional errors, liability claims, customer disputes, and property damage. Get coverage for consultants, contractors, and professional service providers across industries.
What is Service Provider Insurance?
Service provider insurance protects professional services from errors and omissions, liability claims, customer property damage, and business interruptions. Coverage includes professional liability, general liability, and business property protection. Clients and contracts require proof of insurance before service agreements or projects.
Professional Liability
Coverage for service errors, omissions, or negligent professional work.
General Liability
Protects against customer injuries and property damage during service delivery.
Business Property
Covers equipment, tools, and assets essential to service operations.
Certificates
Fast proof for clients, contracts, and facilities.
Who Needs Service Provider Insurance?
- Professional Service Providers : Businesses requiring specialized insurance coverage
- Consultants and Advisors : Businesses requiring specialized insurance coverage
- Technical Service Companies : Businesses requiring specialized insurance coverage
- Specialized Service Contractors : Businesses requiring specialized insurance coverage
Why Harper?
Service Provider Expertise
We understand professional service risks—errors and omissions, client disputes, property damage, and project failures. Get coverage for consulting, technical services, or specialized professional work.
Fast Proof for Contracts
Corporate clients require insurance before service contracts. We deliver certificates quickly for project approval.
Clear Simple Guidance
We explain E&O coverage, general liability, and service-specific insurance requirements clearly.
Tailored to Your Services
Match coverage to your work—consulting, technical services, creative services, or specialized professional expertise.
Frequently Asked Questions
What insurance do service providers need?
Service providers need professional liability (E&O) coverage for errors, omissions, or negligent advice in professional services delivered, general liability for client injuries or property damage at service locations or client sites, and cyber liability for data breaches if handling client information. Business property coverage protects tools, equipment, and office assets, while commercial auto covers service vehicles if traveling to client locations. Workers' compensation is required if you have employees helping deliver services.
Is service provider insurance required?
Professional liability insurance is typically required by corporate clients, government contracts, and professional service agreements before engagement, with minimum limits often specified in RFPs or contracts ($1-2 million is common). While not universally legally mandated, most business clients won't engage service providers without proof of E&O and general liability coverage. Professional associations may require insurance for membership or certification maintenance.
How much does service provider insurance cost?
Solo service providers or consultants pay $500–$2,000 annually for basic professional and general liability coverage, depending on services and revenue. Small service companies with multiple professionals pay $3,000 to $10,000+ annually. Larger service firms or those in high-risk specialties pay $15,000 to $50,000+ annually. Costs depend on service types (technical services often cost more than business consulting), revenue, number of professionals, claims history, client types, and coverage limits.
Does insurance cover service mistakes?
Professional liability (E&O) covers financial losses when service errors, negligent work, or omissions cause client damages, such as faulty advice causing business losses, missed deadlines affecting client operations, or incomplete work requiring expensive corrections. Coverage pays for legal defense and client damages. However, intentional mistakes, guaranteed results that weren't achieved, or services delivered outside your expertise may not be covered.
Does insurance cover client property damage?
General liability covers accidental damage to client property during service delivery, such as equipment damage while conducting repairs, property damage during on-site consultations, or damage to client facilities during project work. Coverage applies when accidents occur despite reasonable care. Intentional damage, damage from using obviously defective tools, or damage from services you weren't qualified to perform could void coverage.
Can clients require specific insurance limits?
Yes, corporate clients, government contracts, and large organizations typically specify minimum insurance requirements in service agreements, including professional liability limits ($1-5 million depending on project scope), general liability coverage, cyber liability for data-sensitive work, adding clients as additional insureds, and sometimes requiring professional indemnity coverage. High-value contracts or sensitive projects often require higher limits than standard coverage.