Advice-driven E&O, contract-mandated limits, and scope-of-work disputes.
For a consulting firm, sequence the decision around how a client could allege harm and what the engagement requires. Start with the service promise, then map physical operations, data access, and the reporting window instead of treating every policy named in an MSA as interchangeable.
These guides connect the coverage decisions below; use the questions to drill into a specific rule.
Insurance agents legally act for the insurer; brokers act for you; direct channels remove the intermediary entirely. All three are paid in ways that shape what they show you. This guide explains what each channel is, how compensation steers incentives, which fits which buyer, and what digital-direct actually changes — so you can choose a channel deliberately instead of inheriting one.
Read the guide →Miscellaneous professional liability — Misc E&O — is the policy every occupation buys when its advice or deliverable can cause a client financial loss but no dedicated malpractice form exists for the work. Physicians, attorneys, and CPAs each get a profession-specific form; consultants, real estate licensees, home inspectors, notaries, marketing agencies, staffing firms, and security firms all land here. This playbook maps the five shapes a Misc E&O claim takes across those occupations, who can assert each one, and where the line turns into malpractice, general liability, or cyber.
Read the guide →Professional services businesses should start with the liability created by their advice, designs, recommendations, or deliverables—not with a package label. This playbook maps the professional-liability, general- liability, cyber, and management-liability decisions to the work you do, the contracts you sign, and the continuity terms that can decide whether a later claim reaches a policy at all.
Read the guide →A SaaS consultant gets sued over the thing they are paid for — advice, code, and deliverables that a client says cost it money. This playbook maps the exposures that actually generate claims when your deliverable is software or you consult into technology companies to the liability line each one belongs to, who can assert it, and what the contract on your desk will demand before it lets you start.
Read the guide →Policy mechanics, exclusions, certificates, and claims questions live on our sister publication: Consultants on isthiscovered.org.