Direct answer
Most independent consultants require professional liability insurance (errors and omissions) to cover claims of negligence or poor advice, and general liability insurance to cover property damage or bodily injury. Whether you need additional coverage depends on if you handle sensitive client data or own expensive equipment that requires cyber liability or inland marine policies.
Commercial insurance underwriting guidelines for professional service firms. For additional information about recommended coverage types for small businesses, see the U.S. Small Business Administration’s business insurance guide.
What this means for you
Most independent consultants require professional liability insurance (errors and omissions) to cover claims of negligence or poor advice, and general liability insurance to cover property damage or bodily injury. Whether you need additional coverage depends on if you handle sensitive client data or own expensive equipment that requires cyber liability or inland marine policies.
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This page is informational and not a coverage guarantee or quote.