Consulting Agreement Template (Free Template + Filled Example)

A consulting agreement template is the contract an independent consultant signs with a client before any work starts: it fixes the scope, the deliverables, how and when you get paid, who owns the work product, what stays confidential, how either side can end the engagement and how far your liability reaches. Below you will find the seven decisions to make before you fill it in, a complete copyable template with [bracketed] fill-ins, a filled example for a fictional client, a clause-by-clause guide and a comparison of the ways to send and sign it.

Most consultants send this document as a PDF and chase the signature by email. We make Coachful, a coaching platform where the agreement is sent for e-signature before the first call, completed by the client in their own branded portal and stored on the client record next to their intake answers, sessions and invoices. You can use the template anywhere, though; nothing in it depends on our software.

One more thing before the template: this is not legal advice. Contract law, tax rules and worker classification tests change by state and country. Treat the template as a well-organised first draft, then have a local lawyer review it once, before you rely on it with real clients.

How is a consulting agreement different from a coaching agreement?

A consulting agreement pays you for expert advice and, often, finished work product: a report, a process map, a pricing model, a hiring plan. A coaching agreement pays you to help the client reach their own answers, so it rarely needs clauses about deliverables or who owns them.

That difference changes the contract in four places. First, scope has to name outputs, not just meetings, because a consultant can be held to the quality and completeness of what they hand over. Second, intellectual property matters: the client usually expects to own the deliverables, while you need to keep your frameworks, checklists and templates so you can use them with the next client. Third, liability is bigger, because a client can act on your recommendation and lose money. Fourth, consultants work inside client systems and see their numbers, so confidentiality and data handling need more detail.

If what you sell is closer to facilitation and accountability, start from our coaching agreement template instead, and read coaching vs consulting if you are unsure which side of the line your offer sits on. Plenty of practitioners blend the two. If you sell coaching sessions plus a written deliverable, use this consulting template and add a short coaching schedule, as described in how to package executive coaching with consulting.

What should you decide before you use this consulting agreement template?

Decide seven things before you open the template: how you price, what counts as done, who owns what, how changes are handled, how the engagement ends, how much risk you will carry, and which law applies. Write your answers down first. The template then takes about twenty minutes to fill in instead of an afternoon.

Two of these decisions deserve extra care. Pricing drives most disputes, so match the fee model to how predictable the work is: fixed fees for well-defined projects, retainers for ongoing advisory work, hourly rates when you genuinely cannot see the edges yet. Our retainer agreement template goes deeper on monthly advisory arrangements. Ownership is the other one. If you reuse a diagnostic framework across clients, say so in writing now, or you may find you have signed it away.

The consulting agreement template (copy and adapt)

Copy everything from the title down to the signature block. Replace each [bracketed] item, delete the options you do not use, and keep section numbers so the cross-references still line up. The wording is written for an independent consultant working business to business.

CONSULTING AGREEMENT

This Consulting Agreement (the "Agreement") is made on [date] between [Your legal name or company name], [business address], [company or tax registration number, if any] (the "Consultant"), and [Client legal company name], [registered address] (the "Client"). The Consultant and the Client are each a "Party".

1. Purpose and relationship

1. The Client engages the Consultant to provide [type of consulting, e.g. operations consulting / go-to-market advisory / finance function review] for [business unit or project name] (the "Services").
2. The Consultant is an independent contractor and not an employee, partner or agent of the Client. The Consultant decides how, where and when the Services are performed, provides their own equipment, and is responsible for their own taxes, insurance and benefits.
3. The Consultant may provide services to other clients during this Agreement, except as limited by Section 9.

2. Scope and deliverables

1. The Services are: [describe the work in 3 to 6 plain bullet points, e.g. "review the current order-to-cash process through stakeholder interviews and data review"].
2. The Consultant will deliver: [list each deliverable with format, e.g. "Deliverable 1: current-state process map (PDF and editable file)"; "Deliverable 2: written recommendations report of no more than [20] pages"; "Deliverable 3: one 90-minute presentation to the leadership team"].
3. The following are outside the scope: [e.g. implementation of recommendations, software configuration, recruitment, legal or tax advice, managing Client staff]. Any of these may be added only under Section 3.
4. Acceptance: the Client has [5] business days after receiving each deliverable to accept it or send written, specific comments. The Consultant will make one round of revisions addressing those comments. A deliverable is accepted when the Client confirms in writing, or when the review period ends without comments.
5. Timeline: the Services begin on [start date] and are expected to finish by [end date]. Dates depend on the Client meeting its obligations in Section 6.

3. Changes to scope

1. Either Party may request a change to the Services or deliverables in writing (email is enough).
2. The Consultant will reply within [3] business days with the effect on fees and timeline. No change is binding until both Parties confirm it in writing.
3. Work outside the agreed scope that the Client requests without a confirmed change will be billed at [hourly or daily rate] only if the Client has approved it in writing beforehand.

4. Fees

[Choose one option and delete the others.]

1. Option A, fixed project fee: The Client will pay a total fee of [amount and currency], payable as [e.g. 50% on signing, 50% on acceptance of the final deliverable / three equal instalments on [dates]].
2. Option B, monthly retainer: The Client will pay [amount and currency] per month in advance for up to [number] hours of Services per month. Unused hours [do not roll over / roll over for one month only]. Hours beyond the monthly allowance are billed at [rate] after written approval. The minimum term is [number] months.
3. Option C, time and materials: The Client will pay [hourly or daily rate and currency]. The Consultant will not exceed [number] hours in any month without written approval. Time is recorded in increments of [15 / 30] minutes.
4. Fees exclude [VAT / GST / sales tax], which will be added where applicable.

5. Invoicing and payment

1. The Consultant will invoice [on signing and on each milestone / on the first business day of each month / monthly in arrears].
2. Invoices are due within [14 / 30] days. Payment is by [card or bank transfer through the Consultant's payment link / bank transfer to the account on the invoice].
3. Late amounts carry interest of [rate] per month or the maximum allowed by law, whichever is lower. If any amount is more than [15] days overdue, the Consultant may pause the Services after written notice until it is paid, and the timeline moves by the length of the pause.

6. Expenses and Client responsibilities

1. The Client will reimburse reasonable, pre-approved expenses at cost, including [travel, accommodation, data or software licences bought for the project]. Any single expense over [amount] needs written approval in advance. Receipts will be attached to the invoice.
2. The Client will provide, on time: [named contact person], access to [systems, data, documents], and availability of [stakeholders] for interviews. Delays in providing these move the timeline and do not reduce the fees.
3. The Client is responsible for decisions it makes based on the Services, and for checking that recommendations fit its legal, regulatory and financial situation.

7. Confidentiality and data

1. "Confidential Information" means non-public information either Party shares about its business, customers, finances, staff, plans or methods, in any form.
2. Each Party will use the other's Confidential Information only to perform or receive the Services, and share it only with people who need it for that purpose and are bound by similar duties.
3. These duties do not apply to information that is public through no fault of the receiving Party, was already known to it, is received lawfully from someone else, or must be disclosed by law (with prompt notice where allowed).
4. The Consultant will store Client data only in [named tools, e.g. the Client's own systems and the Consultant's password-protected workspace] and will return or delete it within [30] days after the Agreement ends, except copies required by law.
5. If the Services involve personal data of the Client's customers or staff, the Parties will sign a separate data processing agreement before the Consultant receives it.
6. Confidentiality lasts for [3 / 5] years after the Agreement ends, and indefinitely for trade secrets.

8. Intellectual property

1. "Pre-existing Materials" means everything the Consultant owned or developed before or independently of this Agreement, including [named frameworks, diagnostic tools, templates, training materials, software or know-how].
2. On full payment of the fees, the Client owns the deliverables listed in Section 2.2, excluding Pre-existing Materials.
3. Where Pre-existing Materials appear in a deliverable, the Consultant grants the Client a non-exclusive, perpetual, royalty-free licence to use them as part of that deliverable for its internal business purposes.
4. The Consultant keeps the right to use general skills, knowledge and experience gained during the Services, and to reuse Pre-existing Materials with other clients, provided no Client Confidential Information is disclosed.
5. With the Client's written permission, the Consultant may name the Client as a client [and describe the project in general terms]. Without that permission, the Consultant will not mention the Client publicly.

9. Non-solicitation and conflicts

1. During this Agreement and for [6 / 12] months after, neither Party will directly solicit the other's employees or contractors who worked on the Services to leave, without written consent. General job advertisements are not solicitation.
2. The Consultant will tell the Client promptly if they are asked to advise a direct competitor of the Client on [a similar project] during this Agreement.

10. Warranties and liability

1. The Consultant will perform the Services with reasonable skill and care, in line with generally accepted standards for [type of consulting].
2. The Consultant does not guarantee any particular business result, revenue, saving or outcome. Recommendations are based on information the Client provides, and the Consultant is not responsible for errors caused by inaccurate or incomplete Client information.
3. The Consultant does not provide legal, tax, accounting, investment or regulatory advice. The Client should take such advice from qualified professionals.
4. Neither Party is liable for indirect or consequential losses, including lost profits, lost data or loss of goodwill.
5. The Consultant's total liability under this Agreement is limited to [the fees paid in the [3 / 6 / 12] months before the claim / the total fees paid under this Agreement].
6. Nothing in this Agreement limits liability that cannot be limited by law, such as for fraud.
7. The Consultant holds [professional indemnity / errors and omissions] insurance of [amount] [delete if not applicable].

11. Term and termination

1. This Agreement starts on the date of the last signature and continues until the Services are completed, unless ended earlier under this Section.
2. Either Party may end this Agreement for convenience with [14 / 30] days' written notice. For retainers, notice may not end the Agreement before the minimum term in Section 4 unless the Parties agree in writing.
3. Either Party may end this Agreement immediately in writing if the other materially breaches it and does not fix the breach within [10] business days of written notice.
4. On termination, the Client will pay for Services performed and approved expenses incurred up to the termination date, plus [any non-cancellable commitments / a kill fee of [amount or percentage] of the remaining fixed fee]. Work in progress paid for will be delivered in its current state.
5. Sections 5, 7, 8, 9, 10 and 13 survive termination.

12. Communication and meetings

1. The main channel for project communication is [email / a shared client portal]. The Consultant will reply to messages within [1 / 2] business days during [working hours and time zone].
2. Scheduled meetings are booked through [booking link]. Meetings cancelled with less than [24] hours' notice count as delivered for retainer and time-based fees.
3. Recording of meetings needs the agreement of everyone present.

13. Disputes and governing law

1. The Parties will try to settle any dispute by good-faith discussion between [named senior contacts] within [15] business days of written notice.
2. If that fails, the Parties will try [mediation through [named body or a mediator agreed in writing]] before starting court proceedings, except for urgent relief.
3. This Agreement is governed by the laws of [state or country], and the courts of [city, state or country] have [exclusive] jurisdiction.

14. General

1. This Agreement, with any signed statement of work or change confirmation, is the entire agreement between the Parties and replaces earlier discussions about the Services.
2. Changes to this Agreement must be in writing and confirmed by both Parties.
3. Neither Party may transfer this Agreement without the other's written consent, except the Consultant may use subcontractors for [named tasks] if they are bound by Sections 7 and 8 and the Consultant stays responsible for their work.
4. Neither Party is liable for delay caused by events beyond its reasonable control.
5. If any part of this Agreement is unenforceable, the rest stays in force.
6. Notices must be sent to [email addresses] and are received on the next business day.
7. This Agreement may be signed electronically and in counterparts.

Signatures

Consultant: [name], [title], signature ________, date ________

Client: [name], [title, who must have authority to sign for the company], signature ________, date ________

What does each section do, and what should you watch for?

Every section answers one question a client or a court might ask later. The table below gives you the reason for each clause and the common way consultants weaken it by accident.

What must independent consultants add for their own situation?

The template covers the standard engagement. Four areas depend on where you work and what you advise on, so you need to add them yourself.

Worker classification and tax status

Calling yourself a contractor in the contract does not settle the question for tax authorities. In the United States, the IRS looks at behavioural control, financial control and the relationship of the parties, as set out on its page on independent contractor or employee status. In the UK, long engagements with one client through your own company can fall under the off-payroll working rules described in the government's IR35 guidance. If you work mostly for one client, read our piece on coaching and consulting for one employer and check your position with an accountant.

Ownership rules in your country

In the US, work created by an independent contractor is generally not "work made for hire" unless it fits narrow categories and is agreed in writing, which is why Section 8 assigns ownership on payment rather than relying on a label. The US Copyright Office explains this in Circular 30. Other countries treat assignments, moral rights and licences differently, so ask a local lawyer to check this section.

Regulated advice and sensitive data

If your consulting touches regulated areas (investment, tax, legal compliance, health, employment decisions), add a sentence naming what you are not licensed to do and who the client should consult. If you will see health information, payroll data or customer records, add the data processing agreement mentioned in Section 7.5 and keep clinical or regulated records in a system built for them.

Subcontractors and associates

If you bring in an associate for research or delivery, the client contract must allow it (Section 14.3) and you need a matching agreement with that person. Our subcontractor agreement template lists the clauses that must mirror the client contract, especially confidentiality and IP.

What does a filled consulting agreement look like?

Here is the template filled in for a fictional engagement. Every name, figure and date is an example, chosen to show how the brackets read once completed. It is not a recommendation on pricing; set your own with the method in our consulting business plan guide.

Example only. Consultant: Dana Okafor, trading as Okafor Operations Consulting LLC. Client: Fernhill Provisions Ltd, a regional food distributor with about 60 staff.

1.1 Services: Operations consulting for Fernhill's order-to-cash process across its two warehouses.

2.1 Scope: interview up to 10 staff across sales, warehouse and finance; review six months of order and invoicing data exported by the Client; identify the main causes of late invoicing and credit notes; recommend changes in order of impact.

2.2 Deliverables: Deliverable 1: current-state process map (PDF and editable diagram file) by 14 January 2027. Deliverable 2: recommendations report of no more than 20 pages by 4 February 2027. Deliverable 3: one 90-minute presentation to the leadership team in the week of 8 February 2027.

2.3 Out of scope: selecting or configuring software, changing staff roles, tax or legal advice, implementation.

2.4 Acceptance: 5 business days to comment; one revision round.

4. Fees (Option A): fixed fee of 18,000 USD (example figure), 50% on signing, 25% on acceptance of Deliverable 1, 25% on acceptance of Deliverable 2.

3.3 Extra work: 1,200 USD per day (example figure), only with written approval.

5.2 Payment: due within 14 days, by card or bank transfer through the payment link on each invoice.

6.1 Expenses: two site visits, travel at cost, any single expense over 400 USD (example figure) approved in advance.

6.2 Client duties: named contact Luis Ferreira, Finance Director; read-only access to order and invoice exports within 5 business days of signing.

7.4 Data: stored in the Client's shared drive and the Consultant's password-protected workspace; deleted 30 days after the end.

8.1 Pre-existing Materials: the Consultant's "Cash Leak Diagnostic" interview guide and scoring sheet.

10.5 Liability cap: total fees paid under this Agreement.

11.4 Kill fee: 20% of any unpaid portion of the fixed fee.

13.3 Governing law: the laws of the State of [Consultant's state], courts of [county].

Notice what the example does. It names three outputs with dates, lists four things that are out of scope, ties payments to accepted deliverables, and protects the diagnostic guide Dana will reuse with the next distributor. If Fernhill asks for software selection in week four, Section 3 turns that into a separate priced change.

How should you send, sign and store a consulting agreement?

Send it through a tool that collects a legally valid e-signature and keeps the signed copy next to the client's other records. For a solo consultant, that means either a practice platform that also handles booking and invoicing, or a separate e-signature tool plus a folder system you maintain by hand.

A plain PDF works for your first two or three clients. The cost shows up later: chasing signatures, filing copies, and retyping the same client details into your calendar, invoice tool and notes. The tools further down the table bundle signing with invoicing, which suits project-based consultants. Coachful adds what happens between meetings: intake on booking, a branded client portal, programs and check-ins. That matters if your engagements include advisory calls, implementation support or a coaching element. For a wider look at the software side, see our guide to CRMs for small consulting firms.

What do other contract tools offer consultants?

HoneyBook, Dubsado and Bonsai are client-management tools built for service businesses in general. Each does contracts, invoices and payments, and each is documented as lacking the delivery side of a coaching or advisory practice.

HoneyBook covers proposals, contracts, invoices, a scheduler and a client portal. Its pricing page lists a 30-day free trial with no card required, and payments run through HoneyBook's own processing, so you cannot bring your own processor. HoneyBook's own materials do not list programs, courses, habits, check-ins or a community. Its Trustpilot rating was 4.1 from 748 reviews when checked in October 2026.

Dubsado focuses on forms, contracts, invoices and automated workflows. Dubsado itself says it does not include website building and is not an email marketing platform, and its Starter plan has no scheduler or automations. Its mobile app is a companion to the desktop web app.

Bonsai targets freelancers and agencies with proposals, contracts, invoices, time tracking and projects. It is priced per user on every plan, the Basic plan has no invoicing or payments, and the Elite plan needs at least three users. Time tracking is useful if you bill hourly under Option C of the template.

How do you set up this consulting agreement in Coachful, step by step?

In Coachful, the agreement sits early in the client journey: a prospect books an intro call and answers your intake questions, you send the agreement for e-signature before the first paid session, and then the engagement runs through sessions, invoices and, if you use them, programs and check-ins. Here is the order we suggest.

This short walkthrough shows how the client journey fits together in Coachful:

Step 1: Collect scope answers at booking

Add intake questions to your discovery-call booking page so you arrive knowing the problem, the decision-maker and the budget range. Useful questions for consultants: "What outcome would make this project worth it?", "Who signs off on spend over [amount]?", "What have you already tried?" and "Which systems or data would I need access to?". The answers land on the prospect's record and on the Intakes page, so Section 2 of the agreement is half written before the call ends. Our forms and questionnaires page has more question sets.

Step 2: Send the agreement before the first call

Put your completed consulting agreement into Coachful as the client's agreement and send it for e-signature. Coachful's agreements are sent before the first call and stored on the client record, so you are never hunting through email for the signed copy. If a client has already signed elsewhere, the Agreements tab also has a drop area for a signed PDF. The coaching contracts page shows more of this feature.

Step 3: Set up payments to match Section 4

Coachful takes payments through your own Stripe Connect or Razorpay account, with one-time payments for project deposits, subscriptions for monthly retainers and payment plans for milestone instalments. Each transaction produces an invoice, and you can raise manual invoices for approved extras under Section 3. Coachful charges a 0% platform fee; only Stripe or Razorpay processing applies.

Step 4: Book working sessions and reviews

Use booking pages with availability rules, buffers and minimum notice so your late-cancellation rule in Section 12 matches what the calendar enforces. Two-way sync with Google, Apple/iCloud and Outlook calendars keeps client meetings next to everything else, and each session can carry an automatic Zoom, Meet or Teams link or use built-in video.

Step 5: Keep the engagement visible to the client

The client signs in to your branded portal inside the Coachful app. They see their next session, programs, progress and documents in one place. For advisory retainers, you can add weekly check-ins or goals with progress bars, so the client sees movement between meetings rather than only on invoice day.

Step 6: Keep notes and history on one record

Notes, intake answers, sessions, payments and the signed agreement all sit on the client record, and Michelle, the built-in AI assistant, can brief you before each session from that live data. When the engagement ends and Section 7.4 asks you to return or delete data, the full client data export as a ZIP makes the handover simple.

What is Coachful, and who is it for?

Coachful is a coaching platform where one subscription covers booking, payments, contracts, program delivery with habits and check-ins, courses, a community, a website with funnels and email, and an AI assistant. The coach has one login and the client has one branded app. It suits consultants and coaches who deliver ongoing programs, not just one-off meetings, solo practitioners growing into a small team, and anyone replacing four to six separate tools. Contracts with e-signature are included in your Coachful membership.

It is not the right fit for everything. Coachful is not HIPAA-certified, does not take PayPal, is a paid subscription after the trial, and has no Salesforce or HubSpot integration or multi-stage deal board for large sales teams. The client app ships under the Coachful listing with your branding, not under your own App Store account. To start, take a free trial and look at the plans (Lite: $29/month for up to 5 clients; Solo: $49/month for up to 20 clients; Pro: $99/month with unlimited clients; Studio: $199/month with unlimited clients). Business-focused practitioners can also read the page for business coaches.

Why Coachful stands out: a free white-glove service. From Create, choose "We'll build it for you" and describe what you need: a website, a funnel, an offer page, a program, a form or an email sequence. You can attach up to 8 reference links and up to 10 files. The Coachful team builds it inside your own account, usually within about 24 hours, without inventing credentials, testimonials or prices. A real-estate and money coach, for example, got a year-long cohort program with an application form, an eight-page site and a free nine-day bootcamp funnel. For a consultant, that could mean a services page with a discovery-call booking funnel and the intake form from Step 1. Read more about the free white-glove service.

What are the most common consulting agreement mistakes?

Most consulting disputes come from a handful of avoidable gaps. These are the ones to check before you send.

• Scope written as activities, not outputs. "Advise on operations" can never be finished. "A 20-page recommendations report" can.
• No acceptance period. Without one, final payment can wait on a client who simply never replies.
• Starting work before signature. A kickoff call "while legal reviews it" quietly becomes week one of unpaid work. Make the deposit and the signature the trigger.
• Giving away your toolkit. A blanket "all work product belongs to the client" clause can capture the frameworks you built over years. Name your Pre-existing Materials.
• Unlimited liability. A recommendation that goes wrong could cost far more than your fee. Cap it, and check the cap survives the client's redline.
• Retainers with no hour limit. "Ongoing advisory support" with no monthly cap invites daily calls. State the hours and what happens beyond them.
• Signing for the wrong person. A project manager may not have authority to bind the company. Ask who can sign.
• Copying a template from another country. Notice periods, interest caps and IP rules differ. A US template sent to a client in Germany may not work as written.
• Side agreements by email. Changes agreed in a thread but never confirmed under Section 3 are hard to enforce later.

The free contract generator walks you through these choices if you would rather answer questions than edit clauses. More guidance on starting out is in how to start a consulting business.

When should a lawyer review your consulting agreement?

This template is general information, not legal, tax or financial advice. Have a lawyer licensed where you work review it once before your first client, and again whenever an engagement is unusual.

Get a review in particular when the contract value is large for your business; when the client sends its own paper or a heavy redline; when you work across borders; when you will handle personal data, health data or regulated financial information; when the client asks for an uncapped indemnity or exclusivity; or when your advice touches tax, investment, employment or legal compliance. An accountant should check your tax status and whether you need to charge sales tax, VAT or GST. A one-off review costs far less than unwinding a bad clause in the middle of a project.

Consulting agreement template FAQ

Is a consulting agreement the same as a consulting contract?

Yes. "Consulting agreement" and "consulting contract" are used interchangeably for the same document. Some consultants also attach a separate statement of work for each project and keep the main agreement as a master services agreement that covers all future work with that client.

Do I need a statement of work as well as this template?

Not for a single project. Sections 2 to 4 of the template do the job of a statement of work. If you expect repeat projects with the same client, keep Sections 1 and 5 to 14 as a master agreement and write a short new statement of work for each project.

Can I use this consulting agreement template for coaching clients?

You can, but it is heavier than a coaching engagement needs. Coaching rarely produces deliverables to own or accept. Our coaching agreement template covers confidentiality, session rules and scope of coaching more directly.

Should I charge a fixed fee or a retainer?

Use a fixed fee when you can describe the deliverables and the effort precisely, and a retainer when the client wants ongoing access to your judgement. If you cannot yet see the edges of the work, start with a short paid diagnostic on a fixed fee and quote the main project afterwards.

Is an e-signature valid for a consulting agreement?

In most countries, yes, for ordinary business contracts. The US ESIGN Act and the EU's eIDAS regulation both recognise electronic signatures. Some documents and some countries have exceptions, so check with a lawyer if the client is in an unusual jurisdiction or needs a higher signature standard.

Who should own the work I create for a client?

Usually the client owns the deliverables once they have paid in full, and you keep your pre-existing tools and methods with a licence for the client to use them inside the deliverables. That is the structure in Section 8, and it is the easiest one to defend on both sides.

How long should the notice period be?

Fourteen to thirty days is common for consulting. For fixed-fee projects, pair the notice period with payment for work done plus a kill fee. For retainers, set a minimum term so a client cannot end the engagement in the first month after you have done the heavy setup work.

Can Coachful send my own consulting agreement for signature?

Coachful sends agreements for e-signature before the first call and stores them on the client record, and you can also upload a PDF signed elsewhere. Contracts are included in your Coachful membership alongside booking, invoices and the client portal.

What is Coachful's free white-glove service?

It is a build service included on every plan. You describe what you want (a website, funnel, program, form or email sequence), attach reference links and files, and the Coachful team builds it in your account, usually within about 24 hours. It does not include recording videos, logo design or running ads.

Do I need professional indemnity insurance as a consultant?

It is not required everywhere, but many clients ask for it and it backs up the liability cap in Section 10. Ask a broker what cover suits the kind of advice you give, then fill in Section 10.7 or delete it.