Consultant Insurance
Professional liability and business coverage for Bay Area consultants. Protect your practice and meet client contract requirements with coverage tailored to professional advisors.
Your Client Needs a $2M E&O Cert Before They Sign. Do You Have It?
You’ve spent weeks negotiating a consulting engagement. The scope is defined, the rate is agreed, and the contract is ready for signatures. Then procurement sends over the insurance requirements: $2M professional liability, $1M general liability, additional insured endorsement, certificate by Friday.
Your current agent has never dealt with E&O. They start calling around. A week passes. The client moves on to another consultant who was ready.
We issue consultant certificates same-day. Because losing a $500K engagement over a 3-day certificate delay shouldn’t happen.
Consulting Practices We Insure
Coverage for Professional Advisors
Your expertise is your business. The right coverage protects both your practice and your professional reputation.
Professional Liability (E&O)
The foundation of consultant coverage. Protects against claims of negligence, errors, or omissions in your professional advice or services. When a client claims your recommendations caused them financial harm, E&O covers defense and damages.
General Liability
Covers bodily injury and property damage claims. If a client trips in your office or you accidentally damage their property, general liability responds. Many clients require proof of GL before engaging you.
Cyber Liability
If you handle client data, access client systems, or store sensitive information, cyber coverage protects against data breaches and network security incidents.
Business Personal Property
Covers your business equipment — laptops, monitors, office furniture — whether you work from home, a coworking space, or a dedicated office.
Employment Practices (EPLI)
If you have employees or contractors, EPLI covers claims of wrongful termination, discrimination, or harassment. Essential as your practice grows.
Business Owners Package (BOP)
Bundles general liability and property coverage at a better rate than buying separately. A practical foundation for consultants with a physical office.
Meeting Client Contract Requirements
Different clients have different insurance requirements. Here's what to expect.
Enterprise Client Contract
Most enterprise clients require $1-2M professional liability, $1M general liability, and often cyber coverage. They'll want to be named as additional insured.
Government / Public Sector Work
Government contracts typically have specific insurance requirements — often higher limits and specific policy forms. We help you meet RFP requirements.
Subcontracting to Larger Firms
When subcontracting, you'll need to match or complement the prime contractor's coverage. Certificate of insurance requirements are common.
International Projects
Working abroad may require worldwide coverage territory or local policies. We help structure coverage for global engagements.
Why Bay Area Consultants Choose Nadler
We Understand Consulting
From solo practitioners to growing firms, we know the coverage consultants actually need — and the contract requirements that drive those needs.
Fast Certificates
Client needs a COI before signing? We handle certificate requests quickly. Need additional insured endorsements? We make it easy.
Right-Sized Coverage
We don't oversell. We build coverage that matches your actual practice and client requirements — not a one-size-fits-all package.
Claims Advocacy
If a client makes a claim against you, we help you navigate the process. We're in your corner from first notice to resolution.
The Nadler Approach
We're advisors too — we understand the value of trusted counsel. When you work with Nadler, you get an insurance partner who takes the time to understand your practice, your clients, and your growth plans. We build coverage that makes sense for your specific situation.
Since 1927, we've been helping Bay Area professionals protect their practices. We're a 4th-generation family brokerage, and we treat our clients as partners in their success.
Learn about our story
Paul’s Take
“Consultants are selling their brain — that’s the product. And when your product is advice, the liability is different from a business that sells widgets. I’ve seen plenty of consultants who thought their general liability was enough until a client claimed their advice caused a $500K loss. GL doesn’t cover that. E&O does. If you’re giving professional advice for a living, professional liability isn’t optional — it’s the foundation.”
— Paul Nadler, Principal
The 5 Most Expensive Consultant Insurance Mistakes
Relying on a BOP without E&O
A Business Owners Policy covers property damage and bodily injury — not claims about the quality of your advice. If a client says your recommendation cost them money, your BOP won’t respond.
Not matching coverage to contract requirements
Enterprise clients specify minimum limits ($1-2M E&O, $1M GL, additional insured status). Show up without matching coverage and you lose the contract. We review your client contracts and build coverage that clears every requirement.
Ignoring cyber liability as a home-based consultant
If you access client systems, store client data on your laptop, or use cloud tools with client information, a data breach is your problem. Your homeowners policy won’t touch it.
Letting coverage lapse between projects
E&O is claims-made — it only covers claims while the policy is active. Drop coverage between engagements and a client from 6 months ago can sue you with no policy to respond.
No umbrella when giving high-stakes advice
If your advice influences major business decisions — M&A, restructuring, IT migration — the dollar amounts at stake can exceed standard policy limits quickly. An umbrella extends your protection.
Get the Consultant’s Insurance Guide — Free
We’re building a guide covering E&O, GL, cyber liability, and how to navigate client contract requirements — written specifically for Bay Area consultants by Paul & Zach Nadler. Drop your info and we’ll send it when it’s ready.
Consultant Insurance FAQs
What is professional liability insurance for consultants?
How much E&O coverage do consultants need?
Do I need general liability if I work from home?
What's the difference between E&O and general liability?
How quickly can I get a certificate of insurance for a client?
Ready to protect your consulting practice?
Get coverage that meets your client requirements from a broker who understands professional services.