Professional Liability (E&O)

• Claims alleging professional negligence, misrepresentation, or failure to deliver services
• Disputed advice that causes a client financial harm
• Legal defense costs even when the claim is groundless
• Prior acts coverage via retroactive date
• Claims from past engagements that surface months or years after project completion
• Common limits: $1M/$1M for independent consultants; $1M/$2M-$5M for firms with multiple practitioners

Most Florida client contracts specify E&O limits of $1M or $2M before engagement. We review your SOW insurance exhibit before binding to confirm the limit and retroactive date satisfy the requirement.

Cyber Liability

• Data breach response: client notification, credit monitoring, forensic investigation
• Ransomware extortion payments and system recovery costs
• Business interruption from a cyber event that disrupts consulting operations
• Third-party liability if a breach exposes client confidential data
• Regulatory fines under applicable Florida laws
• Social engineering and funds transfer fraud (where endorsed)

Florida consulting firms handling sensitive client data are high-value targets. Compliance with data breach notification laws requires prompt client notification on a breach, which can be costly.

General Liability

• Bodily injury or property damage to third parties at your Florida office or during client visits
• Personal and advertising injury (libel, slander, defamation in published materials)
• Products & Completed Operations for deliverables that cause downstream harm
• Additional Insured endorsements for commercial landlords
• Primary & Noncontributory and Waiver of Subrogation as required by client contracts

GL covers premises and operational liability - not professional errors (that's E&O). Most Florida commercial leases and client MSAs require both.

Employment Practices Liability (EPLI)

• Discrimination claims under Florida employment laws
• Sexual harassment and hostile work environment allegations
• Wrongful termination and retaliation claims
• Failure to promote and pay equity claims
• Third-party EPLI for claims by clients or vendors alleging discriminatory conduct
• Defense costs and settlements

EPLI is essential for any Florida consulting firm with employees, given the state's employment laws and potential exposure to claims.

Business Owner's Policy (BOP)

• Bundles General Liability and Commercial Property at a discounted rate
• Covers Florida office space, furniture, computers, and equipment against fire, theft, and vandalism
• Business Income / Extra Expense for revenue lost during a covered property closure
• Most consulting firms with a Florida office qualify for BOP eligibility
• Cyber and EPLI endorsements available on many BOP forms

The most cost-efficient starting point for a Florida consulting firm with a physical office.

Workers' Compensation

• Required by Florida law for any consulting firm with one or more employees
• Medical bills, lost wages, and rehabilitation for employees injured at the office or on client sites
• Covers repetitive-strain injuries, slip-and-falls at client locations, and commute-related incidents
• Employers Liability protects against employee negligence suits
• Non-compliance fines can be significant; Florida DOL audits employers actively

Even a desk-based consulting practice in Florida carries WC exposure - an employee who slips at a client's office or is injured traveling can file a WC claim.

Crime / Fidelity

• Employee theft of client funds, firm funds, or client property
• Forgery and check alteration
• Computer fraud and funds transfer fraud (where not covered by Cyber)
• Client property in your care, custody, or control
• Third-party crime coverage for losses caused by non-employees

Consulting firms handling client funds face internal theft exposure that standard GL and BOP policies don't cover.

Commercial Umbrella

• Adds $1M-$10M+ of excess liability above GL, Auto, and Employers Liability
• Activates when an underlying policy limit is exhausted
• Required by many Florida contracts
• Relatively low cost relative to the limit increase provided

An umbrella is a cost-efficient way to reach higher liability thresholds required by many clients.

Florida Employment Laws

Florida's employment laws require that consulting firms with employees maintain adequate EPLI coverage to protect against potential claims. The state's legal environment can be challenging, making EPLI a practical necessity for any consulting firm with employees.

Data Breach Notification Laws

Florida's data breach notification laws require businesses to notify affected individuals promptly following a breach. Consulting firms handling sensitive client data must be prepared for the costs associated with breach notifications, which Cyber Liability insurance can help cover.

Client Contract Insurance Requirements

Corporate and institutional clients in Florida often require insurance verification before engagement. We review these requirements before binding and structure the policy and endorsements to satisfy every requirement.

Independent Contractor Classification

Florida applies specific tests for worker classification. Misclassification can result in back taxes and penalties. We help ensure your subcontractor arrangements create no insurance exposure.