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.
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.
Center your coverage on the professional risk your work creates. Explore business insurance or start a free quote.
Auto repair shops handle customers' vehicles, tools, and hazards. Learn the coverages a repair shop typically needs to operate safely.
Business InsuranceContracts sometimes require a waiver of subrogation. Learn what it means, how it affects your policy, and why clients ask for it.