Commercial / Consulting

Michigan Consultant Insurance

When clients pay for your expertise, a result they didn't expect can turn into a claim against you. Michigan consultant insurance protects you with errors & omissions coverage for the advice and services you deliver, plus the general and cyber coverage modern consulting needs.

What we do for consultant insurance clients

• E&O for your advice — professional liability covering claims that your work, advice, or deliverables caused a client financial harm.
• Contract-ready limits — clients increasingly require proof of E&O before they sign — we set limits to win the engagement.
• Cyber where it matters — many consultants handle client data; we add cyber coverage to close that gap.
• Multi-carrier shopping — we match the E&O form to your consulting specialty and shop it for the best rate.

Consultants we cover

Management and business consultants, IT and technology consultants, marketing and PR consultants, HR and recruiting consultants, financial and operations consultants, engineering and environmental consultants, and independent advisors across Michigan.

What consultant insurance covers

• Professional liability (E&O) — claims of negligence, errors, or failure to deliver in your work.
• General liability — third-party injury or property damage at meetings and offices.
• Cyber liability — data breaches and the client data you handle.
• Defense costs — attorney fees and settlements, even for unfounded claims.
• Contract compliance — limits and endorsements your client contracts require.

Common questions

Do consultants need professional liability insurance?

Yes — it's the core coverage for anyone paid for advice or expertise. If a client claims your work cost them money through an error, omission, or failure to deliver, E&O defends and pays the claim. Many clients now require proof of it before they'll sign a contract.

What's the difference between general and professional liability for a consultant?

General liability covers physical risks — someone injured at a meeting or property you damage. Professional liability (E&O) covers financial harm from your advice or deliverables. Most consultants need both, and many add cyber because they handle client data.

Do I need cyber insurance as a consultant?

If you store or handle client data — and most consultants do — yes. A breach can expose you to notification costs and client claims that E&O alone may not cover. We frequently package cyber with a consultant's E&O and general liability.

How much does consultant insurance cost in Michigan?

For a solo consultant, professional liability is often a modest annual premium, with pricing based on your revenue, specialty, and the limits your contracts require. We shop multiple markets to match the right coverage to your practice at the best price.