Commercial industry
Professional Consulting Insurance
Consultants sell judgment. The claim is that the judgment was wrong, late, or conflicted, and the client lost money. Miscellaneous professional liability is the policy. Cyber is the second, because your laptop is a folder of other people’s strategy. A office BOP is the rent and the laptop bag.
We place management, operations, marketing, and similar advisory firms. If you are an engineer or architect, use that page — the professional tower is different. If you implement software, our IT page is closer.
Risks we actually schedule
- A client alleging your advice caused a financial loss.
- A breach of client files on a laptop or a shared drive.
- A subcontracted specialist whose work you stamped with your name.
- Employment-practices claims as the firm hires past a handful of people.
Frequently asked questions
We have a limitation-of-liability in every contract. Do we still need E&O?
Yes. Caps fail, clients sue anyway, and defense costs start on day one. The contract is a tool; it is not a policy.
Is a $1 million E&O enough?
It depends on the size of the decisions you influence. A pricing study for a regional chain and a two-week process workshop are not the same limit conversation.
Do we need hired and non-owned auto?
If consultants drive to client sites in personal cars, yes. Inexpensive, and often required by the client’s vendor packet.
Related coverage, industries, and locations
Professional Liability
Errors-and-omissions coverage when advice, design, or a professional service is alleged to have caused a financial loss.
Coverage detailsCyber
Ransomware, data-breach response, forensic IT, notification, and business income after a network event.
Coverage detailsBusiness Owner's Policy
A packaged policy that pairs general liability with commercial property and business income for eligible classes.
Coverage detailsManagement Liability
Directors and officers, employment-practices, fiduciary, and employee-benefits liability on one conversation.
Coverage detailsAdvertising Agency
Professional liability, cyber, and a package for shops that sell ideas, media, and production.
Industry pageEngineering and Architecture
Design professional liability first, then a office package, cyber, and the field-visit auto file.
Industry pageIT and Computer Services
Technology E&O, cyber, and a package for shops that implement, support, and sometimes host.
Industry pageTexas
Licensed commercial insurance broker serving Texas.
State page