Business Insurance for Consultants and Freelancers

Consultants and freelancers sell their knowledge and advice, and that creates a specific kind of risk: a client who says your work cost them money. The coverage that fits an advice-based business looks different from that of a shop or a contractor.

The coverages that matter most

• Professional liability (E&O): for claims that your advice or service caused financial harm.
• General liability: if you meet clients or work at their sites.
• Cyber: if you handle client data.

Why clients often require it

Many companies will not engage a consultant without proof of professional liability coverage. In practice, carrying it can be what wins you the contract, not just what protects you during it.

What Truscott recommends

Center your coverage on the professional risk your work creates. Explore business insurance or start a free quote.