Spotting the early symptoms of client insolvency • most importantly, a consultant needs to keep alert to the client's financial status • the consultant should take heed of ongoing rumours about the client's financial position (either in the press or by word of mouth) • look out for official announcements to shareholders/the stock market (for example, profit warnings) • note any surprising or uncommercial omissions from the project made by the employer • keep aware of the employer's non-payment or late payment of the contractor or any other parties, on this project or on other projects being carried out by the employer • clearly, if the employer suspends work on the scheme without any adequate explanation or without commercial rationale, this may be a sign that the employer is unwilling to finance further work • confirm suspicions by carrying out a Dun & Bradstreet search/report, which should disclose, for example, any unsatisfied court judgments against the client Consultant methods of protecting itself in advance There are various ways in which a