Overview of the Consultants E&O Program
Our Consultants Professional Liability (E&O) program gives agents access to competitive markets and flexible coverage forms for a broad range of consulting practices. Tennant Risk Services focuses on practical underwriting and fast placement for both routine accounts and harder-to-place risks, so you can move quickly on client opportunities without sacrificing coverage quality.
Ideal Accounts and Appetite
This program serves a wide spectrum of consultants, including:
- Management consultants
- Marketing and branding consultants
- Healthcare data security consultants
- Energy and oil & gas consultants
- Actuarial and school finance consultants
- Specialty engineering and compliance consultants
We have demonstrated strength with tougher placements, for example:
- Startups and newly formed practices
- Consultancies with affiliated or related businesses
- Accounts with prior or adverse loss history
- Consultants offering unusual or higher-risk services
Coverage Highlights and Advantages
The program is designed to be flexible so you can tailor solutions to client exposures. Key features include:
- Minimum premiums starting at $500
- Defense outside the limits available
- First dollar defense options on qualifying risks
- Customizable limits and deductible structures
- Coverage extensions such as contingent BI/PD, General Liability extension, and independent contractor coverage
- Optional enhancements like Cyber Risk and Employment Practices Liability (EPL), subject to underwriting
Underwriting Notes and Minimum Premiums
Underwriting is case-sensitive — we balance appetite with pragmatic pricing and endorsements to fit the client’s operations. Representative sample placements illustrate the range of risks we can handle:
- Marketing consultant — $1M limit, $1,000 premium
- Energy consultant — $1M limit, $950 premium
- Specialty engineering consultant — $5M limit, $53,750 premium
- Compliance consultant — $3M limit, $6,600 premium
Example scenarios you might bring to Tennant Risk Services:
- A two-person marketing consultancy with limited operating history seeking a startup-friendly E&O program and first-dollar defense options.
- An engineering specialist with a prior claim who needs higher limits and a tailored deductible structure to satisfy a client contract.
Territories and Availability
This Consultants E&O program is available in most U.S. states, including CA, TX, FL, NY, IL and many others. We place both admitted and non-admitted business depending on the state and the risk profile, leveraging admitted markets where available and E&S capacity where necessary.
Why Work With Tennant Risk Services?
Tennant Risk Services is focused on professional liability for consultants. When you work with us you get:
- Deep underwriting knowledge of consultants’ E&O exposures
- Access to multiple carrier markets that vary by risk, size and territory
- Responsive service and expedited turnaround for submissions
- Practical solutions for hard-to-place, high-risk or specialized consulting accounts
We work exclusively through retail agents and brokers. Share your client’s details and loss history with our underwriting team, and we’ll help identify the best structure and market fit.
Frequently Asked Questions
What types of accounts are a good fit for this Consultants E&O program?
This program fits a broad range of consulting professionals — management, marketing, engineering, compliance and specialty consultants — particularly those with unique services or challenging risk profiles.
Do you accept new operations or startup consulting firms?
Yes. Tennant Risk Services has underwriting flexibility to consider new ventures and startups, including firms with limited operational history or no prior coverage.
Can this program accommodate consultants with prior claims or losses?
Yes. We routinely evaluate accounts with adverse loss history and can often place them with appropriate terms and limit/deductible structures.
Is Cyber Liability or Employment Practices Liability (EPL) available?
Yes. Cyber Risk and EPL can be added to many accounts, subject to eligibility and underwriting approval.
Which states is this program available in?
The program is available in most U.S. states, including CA, TX, FL and NY. We can advise whether admitted or non-admitted placement is appropriate for a given state and account.
Need help placing an account? Connect with a market specialist.