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Insurance guides for independent consultants

Plain-English explanations of everything your enterprise clients ask for — so you can get compliant and start working fast.

The solopreneur's AI tech stack: run marketing, product, and ops as one person

How one person can run marketing, product, and operations together using AI, generous free tiers, and MCP integrations — with Fennel's own stack as the worked example.

9 min read·Updated June 2026

General liability vs professional liability: what consultants need

GL and professional liability (E&O) cover completely different risks — and your client's contract probably requires both. Here's the difference in plain English and how to know what you actually need.

7 min read·Updated June 2026

How much E&O insurance do independent consultants need?

The right E&O limit depends on your contract, your client, and your state. This guide explains what limits enterprise clients actually require and what it costs.

6 min read·Updated June 2026

How to get a Certificate of Insurance for a client contract

A client is asking for a COI before your contract starts. Here's exactly what a Certificate of Insurance is, what needs to be on it, and how to get one fast.

7 min read·Updated June 2026

What is an additional insured endorsement?

Enterprise clients require you to name them as an "additional insured" before signing a contract. Here's what it actually means, how to add it, and what can go wrong.

6 min read·Updated June 2026

E&O insurance for independent consultants: the complete guide

Everything independent consultants need to know about Errors & Omissions (Professional Liability) insurance: what it covers, how much it costs, how claims-made policies work, and how to buy it.

10 min read·Updated June 2026

What your MSA actually requires for insurance

Most independent consultants discover their client's insurance requirements the hard way — days before a contract start date. This guide explains exactly what enterprise MSAs demand and how to get compliant fast.

8 min read·Updated June 2026

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