Insurance for Consultants in Los Angeles
Coverage for independent consultants and consulting firms whose clients require professional liability in the contract. We match your limits to your contracts so you can sign and get to work.
Consultant coverage at a glance
- Who we insure
- Management, marketing, HR, IT, and other independent consultants
- Core coverage
- Professional liability (E&O)
- Often required by
- Client contracts and master service agreements
- Common add-ons
- General liability and cyber liability
- Quote turnaround
- Usually 1-2 days
Coverage consultants usually carry
Clients hire consultants for advice and results. When a project goes wrong, professional liability is what responds, and contracts usually spell out the limits you need.
Professional liability
Covers claims that your advice or work cost a client money.
General liability
Covers injuries and property damage at client sites or your office.
Cyber liability
Covers breaches of client data in your care.
Workers compensation
Covers employee injuries. Required once you hire.
Business property
Covers laptops and equipment, including when you travel.
Hired and non-owned auto
Covers liability when you drive your own or a rented car to client meetings.
What affects insurance costs for consultants
Consultant pricing depends on the type of consulting you do, your revenue, and the size of your clients. Advice that shapes major business decisions costs more to insure than marketing support.
Contracts matter. Clear scopes of work and limitation-of-liability clauses lower your risk, while very high required limits raise the price.
Ways to lower your premium
- Use written contracts with clear scopes of work
- Add limitation-of-liability language where clients accept it
- Bundle professional and general liability
- Keep your retroactive date when switching carriers
- Match limits to what your contracts actually require
What moves your rate
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Type of consulting
Financial and technical advice carries more risk.
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Revenue
Larger practices carry more exposure.
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Client size
Bigger clients mean bigger potential losses.
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Contract terms
Clear scopes and liability caps lower risk.
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Claims history
Past claims weigh heavily on pricing.
Consultant insurance questions
Don't see yours? Call (310) 751-5979 and ask.
Do independent consultants need professional liability?
Yes. Even solo consultants can be sued when a client blames their advice for a loss, and many contracts require proof of coverage before you start.
My client wants $2 million in coverage. Can you do that?
Yes. Send us the contract and we will quote the limits and endorsements it requires.
Do I need general liability if I work from home?
Often, yes. Many client contracts require it, and it covers injuries or damage at client sites.
What does claims-made mean for consultants?
Most professional liability is claims-made, covering claims made while the policy is active for work after your retroactive date. Keeping continuous coverage protects past projects.
Find out what you should be paying
Tell us about your practice and clients. We compare carriers and come back with real quotes, usually within 1-2 days.