Consultant Insurance
Errors & Omissions built and priced for business, marketing, and HR consultants, in a digital experience you'll love.
Backed by industry leaders
Why do consultants need insurance?
Clients hire you for your judgment, then make big decisions based on it. When a recommendation doesn't pan out and the client puts a number on it, Errors & Omissions is the policy that answers.
It can cover the claim and the legal defense, which is why almost every enterprise client and vendor contract requires a certificate before you start work.
What does consultant insurance cover?
01 / 04What makes Foxquilt's consultant insurance different?
Built for consultants of all kinds
From management consultants to brand strategists and HR advisors, choose the consulting profession that matches your work, and get priced for what you actually do.
Completely digital, start to finish
Quote and buy from your laptop, between client meetings, or on the train home, on your own or with our team.
Instant policy documents
Policy docs and your COI arrive by email the moment you buy. Proof of insurance to send to a client the same day.
Foxquilt's consultant insurance is built for…
Don't see your profession? We write Errors & Omissions for 100+ professional services.
Answers in, certificate out.
A few questions, no paperwork.
Concise but thorough, we ask what we need to ensure your policy is actually designed to protect what you do. No confusing forms, no waiting on someone to get to it Monday.
A real price you can buy on the spot.
Your quote is priced instantly with the limits your clients and vendor contracts ask for. Choose a payment plan that works for you and pay online to put the coverage in force.
Policy docs, straight to your inbox.
Your policy documents and Certificate of Insurance are emailed the moment you buy, so your client has proof of coverage before the day is out.
What other coverages do consultants need?
Commercial General Liability
For the in-person and property side of your work: third-party bodily injury or damage to a client's space or things, plus your legal defense.
See CGL Coverage →Can cover medical care and lost wages when one of your own employees is hurt on the job. Required in most U.S. states the moment you hire your first employee.
Learn More→Can cover the vehicles you drive to a client's office, a site visit, or a networking event. Your personal auto policy very likely excludes business use.
Learn More→Can cover a breach of client data you hold, a ransomware lock-out, or a payment wired to a fraudster.
Learn More→Can cover the laptop and gear you rely on to deliver client work. E&O responds to financial loss from the work; this responds to the physical stuff you own.
Learn More→It depends on the consulting you do (strategy, marketing, or HR), your revenue, and where you work. The quote you see online is the real price, not an estimate we revise later.
Many do. Enterprise clients and vendor contracts often require E&O, sometimes called professional liability, before you start work. You can download your certificate as soon as you buy.
Depending on where your business is located and the work that you do, coverage limits available to you range from $50,000 to $1,000,000.
Your first COI is emailed the moment your payment clears. After that you can issue a new one yourself - including naming an additional insured - in about a minute, as many times as you need, at no charge.
Yes, and we don't charge for it. Add them during the application or any time after, then download the certificate showing them named.
Claims-made coverage responds based on when the claim is first made against the insured and reported to the insurer - not necessarily when the underlying error, omission, or injury occurred. For coverage to apply, the claim must generally be made and reported during the policy period, arise from an act occurring on or after the retroactive date, and fall within the policy’s terms and limits.
Usually, yes. A homeowner's policy won't respond to a business claim, and a solo consultant faces the same professional liability claims a larger firm does. Most enterprise clients require it in writing before you begin work.
Yes. Pay the annual premium up front, or spread it across monthly installments at checkout. Either way, coverage starts as soon as the first payment is confirmed.
What real small business owners say after choosing Foxquilt.
The process was smooth and simple. In addition to that, they offered the best coverage out of all of the other companies I researched.
I've been a client at Foxquilt for the past year, having switched my business insurance over because of their affordable rates and seamless service. I recently had to file a claim and couldn't be more pleased with the care and service that Nick offered in the process. Thanks to him, things got resolved quickly and easily. Happy to have landed at Foxquilt.
Foxquilt gets me the insurance on time to get the job!
Get your consultant quote in under ten minutes.
Answer a few questions about your consulting work and get your policy docs straight to your inbox today.