Consulting Firm Insurance
Consulting firm insurance covers California consultants around the risk that a client believes their advice or work caused a loss. Its core is professional liability, or errors and omissions, which responds to claims that your recommendations or services caused financial harm. It typically pairs with a business owners policy, cyber liability, and workers’ compensation.
Consultants get paid for their judgment, and that is exactly where the risk lives. If a client believes your advice or work led to a loss, you can face a claim even when your recommendation was sound.
Coverages consulting firms usually need:
- Professional liability (errors and omissions), the core coverage for consultants.
- Business owners policy (BOP), combining general liability with property coverage for your office and equipment.
- Cyber liability, protecting against breaches involving client data and the systems you rely on.
- Workers’ compensation, required in California once you have any employees.
Who needs it? Solo and multi-person consulting firms across California, especially where client contracts require a specific errors and omissions limit before work can begin.
How we help: We learn how you deliver your services, what your contracts require, and where your exposures concentrate, then help you build coverage around that.
