Seguro para Independent Consultants
Your advice drives business decisions. When those decisions cost money, the liability traces back to you.
Professional Services
Advisory Liability
Contract Heavy
Why independent consultants need coverage
Consulting is the business of giving advice that people pay to act on. When that advice leads to a bad outcome — a strategy that loses money, a recommendation that backfires, a timeline that proves unrealistic — the client's recourse is against you. Professional liability (E&O) exists specifically for this class of exposure.
Most consultants operate on handshake agreements or light contracts without ever considering what happens when a project goes sideways. The legal exposure grows with every engagement, and a single claim can exceed your annual revenue.
Prioridades de Cobertura
Professional Liability (E&O)
CRÍTICO
Covers claims that your professional advice or services caused financial harm. The core policy for any advisor, strategist, or consultant.
Estimado: $500–$2,000/year depending on field and revenue
General Liability
ALTA PRIORIDAD
Covers in-person meeting injuries, property damage, and third-party claims at your office or client site.
Estimado: $300–$600/year
Health Insurance
CRÍTICO
No employer plan. The baseline for any independent professional.
Estimado: Marketplace plans from $150–$500/month
Cyber Liability
ALTA PRIORIDAD
If you access client systems, handle confidential data, or store business intelligence, a breach is your exposure.
Estimado: $400–$1,000/year
Life Insurance
RECOMENDADO
Consulting income can be high but lumpy. Life insurance smooths the guarantee for dependents.
Estimado: $25–$50/month for $500K term
Real risks consultants face
Advice has consequences. Here's when they become claims.
Strategy recommendation loses client money
You recommend a market entry strategy. The client follows it and loses $500,000. They claim your analysis was flawed. E&O covers the defense and potential settlement.
Missed deadline costs a product launch
Your deliverable is three weeks late. The client claims the delay caused them to miss a market window worth $1M. E&O covers claims of financial harm from professional services.
Confidential data exposed
Your laptop with client strategy documents is stolen. The client claims breach of confidentiality. Cyber liability covers the notification, forensics, and legal costs.
¿Estás realmente cubierto?
Revisa tus brechas como consultant en 60 segundos.
Revisar Mi Cobertura
Gratis. Sin login. Creado por un corredor licenciado.
Preguntas Frecuentes
Do independent consultants need insurance?
Yes. Professional liability (E&O) is the core policy — it covers claims that your advice or services caused financial harm. Many corporate clients require proof of E&O as a condition of engagement, especially for contracts over $50,000.
What is E&O insurance for consultants?
Errors and Omissions (E&O) insurance covers claims arising from your professional services — bad advice, missed deadlines, scope disputes, and any situation where a client claims your work cost them money. It covers legal defense, settlements, and judgments.
How much does consultant insurance cost?
Professional liability (E&O) runs $500–$2,000/year depending on your field, revenue, and coverage limits. Management and strategy consultants pay more than implementation consultants. A $1M/$2M policy is standard and satisfies most corporate client requirements.
Habla con un corredor que entiende a los independent consultants
Vida, salud y discapacidad de 30+ aseguradoras. 15 minutos, sin costo.
Revisar Mi Cobertura
Hablar con un Agente
Nos especializamos en vida, salud y discapacidad para independientes.
Velocity Pro es una plataforma tecnológica creada por un corredor licenciado e independiente. Costos son estimados, no cotizaciones.
Términos ·
Privacidad