Fundraising consultants sell judgement to a sector with almost no margin for error: charity budgets, donor relationships, and a regulatory overlay (the Charity Commission, the Fundraising Regulator's Code, GDPR-governed donor data) that turns professional mistakes into compliance events.
Carry the £1m–£2m PI your clients' procurement expects, settle the data controller/processor question in every contract, and price the events question honestly – advising on a gala and running one are different policies. In a sector where trust is the product, the insurance certificate is part of your pitch.