Nadler Insurance
Industry Specialty

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.

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Consulting Practices We Insure

Management consultantsIT & technology consultantsMarketing & branding advisorsHR & organizational consultantsFinancial advisors & plannersStrategy consultantsExecutive coachesOperations consultantsHealthcare consultantsEnvironmental consultants

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

Consultant Insurance FAQs

What is professional liability insurance for consultants?
Professional liability insurance — also called Errors & Omissions (E&O) — protects consultants from claims that their professional advice or services caused a client financial harm. If a client sues you alleging negligence, missed deadlines, or faulty recommendations, professional liability covers your legal defense and any settlement or judgment.
How much E&O coverage do consultants need?
Most independent consultants carry $1 million per claim / $1-2 million aggregate. However, your clients' contract requirements often dictate minimum limits. Enterprise clients, especially in finance and healthcare, may require $2-5 million. We help you balance adequate protection with practical cost considerations.
Do I need general liability if I work from home?
Yes, for two reasons. First, many clients require proof of general liability before engaging you. Second, your homeowners policy typically excludes business activities. If a client visits your home office and is injured, or if you meet clients at their location, you need commercial general liability coverage.
What's the difference between E&O and general liability?
General liability covers physical events — bodily injury and property damage. E&O covers financial harm from your professional services — a missed deadline, bad advice, or an error in your deliverable. Most consultants need both. General liability won't cover claims about the quality of your work, and E&O won't cover someone slipping in your office.
How quickly can I get a certificate of insurance for a client?
Once your policy is in place, we typically issue certificates same-day. For new policies, we can often quote, bind, and issue certificates within 24-48 hours if we have the information we need. We understand consultants often need coverage quickly to close a contract.

Ready to protect your consulting practice?

Get coverage that meets your client requirements from a broker who understands professional services.

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