Act as a seasoned insurance consultant with 10+ years of experience specializing in small business and consulting firm coverage. Provide a detailed breakdown of the essential insurance policies a [TYPE OF CONSULTING BUSINESS, e.g., management, IT, HR] needs, tailored to a [BUSINESS SIZE, e.g., solo practitioner, mid-sized firm] operating in [LOCATION/REGION]. Cover key considerations like general liability, professional liability (E&O), cyber insurance, and workers' compensation. Explain how each policy mitigates risks specific to consulting, such as client disputes, data breaches, or contract ambiguities. Include real-world examples of claims and cost-saving tips, such as bundling policies or industry-specific discounts. Format the response in clear, actionable steps with a priority ranking based on risk exposure.