Business Insurance for Fractionals and Entrepreneurs
Protect your business, your income, and your reputation with right coverage.

Why Business Insurance Matters
As a Fractional CMO, you’re offering high-value strategic advice and with that comes risk. The right insurance protects you against client disputes, contract requirements, and costly legal issues. Here's what to know:
Clients May Require It
Some may require proof of coverage (especially E&O) before signing a contract.
Provides Risk Protection
Protects against bad outcomes, deadlines, or missed recommendations.
Professional Credibility
Having coverage positions you as a credible, prepared business partner.
Provides Peace of Mind
Policies start around $25/month, less than a missed billable hour.
What Coverage You May Need
Understanding what protection you need is the first step toward proper coverage.
Errors & Omissions (E&O) Insurance
- Covers mistakes, missed deadlines, or bad outcomes
- Protects against client disputes, even if you’re not at fault
- Includes legal defense costs
Must-have for Fractionals and entrepreneurs.
General Liability (CGL) Insurance
- Covers property damage or bodily injury claims
- Includes reputational harm or advertising-related issues
- Legal fees typically covered
Recommended if you meet clients in person or have a home office.
Business Owner's Policy (BOP)
- Bundles general liability + business property
- Covers equipment like laptops, phones, and furniture
- May include business interruption coverage
Best if you want an all-in-one solution, but not necessary.
Top Insurance Providers for Fractional CMOs
NEXT Insurrance
Designed for full-time consultants and solo business owners.
- Instant quotes and certificates of insurance (COIs)
- Simple monthly plans with strong professional coverage
- Covers E&O, General Liability, and Business Owner’s Policies (BOP)
- Great fit if you want reliable, ongoing protection with minimal fuss
Thimble
Best for part-time or project-based Fractionals.
RECOMMENDED
- Flexible: buy coverage by the day, job, month, or year
- Instantly generate COIs for client contracts
- Pause or cancel anytime with no long-term commitment
- Covers E&O and General Liability
- Ideal if you’re still testing the waters or working with just 1–2 clients at a time
biBERK (A Berkshire Hathaway Company)
Best for Fractionals building a team or running a multi-client business
- Backed by Berkshire Hathaway with direct-to-consumer pricing
- Offers E&O, General Liability, BOP, Workers’ Comp, and more
- Up to 20% lower premiums by buying direct
- Excellent if you’re hiring subcontractors or expanding operations
Ready to Protect Your Business?
Don’t wait until something goes wrong. Protect your business today with coverage tailored to how you work.