CONSULTANTS and the schools that employ them should make sure they have proper contracts and not rely on verbal agreements, a professional association has warned. Informal arrangements can mean financial risk for both parties if they fail to address key issues, said John Chowcat of the 1,000-strong National Association of Educational Inspectors, Advisers and Consultants. Contracts should cover termination due to illness, cancellation fees, health and safety issues and intellectual property rights.