Health & safety consultant insurance

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Professional indemnity insurance for health and safety consultants
Professional indemnity insurance for health and safety consultants
Professional indemnity insurance for health and safety consultants
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Overview

What is health & safety consultant insurance?

Regarding health and safety consultant insurance, it's important to understand that it's not just one product but a combination of various covers. 

Professional indemnity insurance should be a top priority as a consultant who provides advice. Public liability insurance may be necessary if you also meet clients in person. And since most work is done using computer equipment, portable electronics insurance can help with the cost of repair or replacement.

How much does health & safety consultant insurance cost?

Health & safety consultants professional indemnity insurance depends on factors such as the required coverage limits, the scope of your consultancy work, annual turnover, and claims history. Below, you’ll find the range of covers Suited provides, along with their starting prices.

Public liability insurance
Public liability

Protects you against accusations of causing an accidental injury or property damage to either your clients or a third party.

Up to £10,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

From
£5.92
per month
Key cover
Professional indemnity insurance
Professional indemnity

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Nil excess

Dedicated legal team

A+ insurer

Competative prices

From
£8.89
per month
Key cover
Employers' liability insurance
Employers' liability

Provides coverage for compensation costs, legal fees, and medical expenses related to employee injuries sustained at work.

£10,000,000 cover as standard

Flexible cover

No deductible

Underwritten by top insurers - Admiral Business

From
£1.25
per month with public liability
Flexible
Electronic devices insurance
Electronic devices

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Up to £10,000 cover

Accessories included

Hired equipment is covered

Worldwide cover

From
£9.24
per month with a key cover
Worldwide
Trade tools insurance
Trade tools

Covers the cost of repairing or replacing your tools if they’re stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From
£5.60
per month with a key cover
Van cover
Sport business equipment insurance
Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From
£5.60
per month with a key cover
Van cover
Hairdressing business equipment insurance
Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From
£5.60
per month with a key cover
Van cover
Pet business equipment insurance
Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From
£5.60
per month with a key cover
Van cover
Massage business equipment insurance
Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From
£5.60
per month with a key cover
Van cover
Music equipment insurance
Musical instruments

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From
£5.60
per month with a key cover
Van cover
Business stock insurance
Stock

Protects your inventory from various risks, including theft, fire, flooding, or malicious damage.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From
£5.60
per month with a key cover
Van cover
Plant and machinery insurance
Owned & hired plant

Protects heavy equipment and machinery used in industries like construction, engineering, and agriculture.

Up to £50,000 cover

Insure for as long or as short as you need

Competitive prices

Low deductibles

Cover anywhere in the UK, including transit

From
£9.50
per month with a key cover
Flexible
Contract works insurance
Contract works

Covers the work you’re responsible for during construction or renovation projects.

Cover up £500,000

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From
£12.00
per month with a key cover
UK wide
Commercial legal expenses insurance
Commercial legal expenses

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Included

with every subscription.
Included
Professional indemnity insurance
Professional indemnity

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Nil excess

Dedicated legal team

A+ insurer

Competative prices

From
£8.89
per month
Key cover
Public liability insurance
Public liability

Protects you against accusations of causing an accidental injury or property damage to either your clients or a third party.

Up to £10,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

From
£5.92
per month
Key cover
Employers' liability insurance
Employers' liability

Provides coverage for compensation costs, legal fees, and medical expenses related to employee injuries sustained at work.

£10,000,000 cover as standard

Flexible cover

No deductible

Underwritten by top insurers - Admiral Business

From
£1.25
per month with public liability
Flexible
Electronic devices insurance
Electronic devices

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Up to £10,000 cover

Accessories included

Hired equipment is covered

Worldwide cover

From
£9.24
per month with a key cover
Worldwide
Trade tools insurance
Trade tools

Covers the cost of repairing or replacing your tools if they’re stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From
£5.60
per month with a key cover
Van cover
Sport business equipment insurance
Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From
£5.60
per month with a key cover
Van cover
Hairdressing business equipment insurance
Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From
£5.60
per month with a key cover
Van cover
Pet business equipment insurance
Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From
£5.60
per month with a key cover
Van cover
Massage business equipment insurance
Business equipment

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From
£5.60
per month with a key cover
Van cover
Music equipment insurance
Musical instruments

Covers the cost of repairing or replacing your business equipment if it's stolen, damaged, or lost.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From
£5.60
per month with a key cover
Van cover
Business stock insurance
Stock

Protects your inventory from various risks, including theft, fire, flooding, or malicious damage.

Up to £20,000 cover

Optional cover in a vehicle overnight

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From
£5.60
per month with a key cover
Van cover
Contract works insurance
Contract works

Covers the work you’re responsible for during construction or renovation projects.

Cover up £500,000

Flexible cover

Low deductibles

Cover anywhere in the UK, including transit

From
£12.00
per month with a key cover
UK wide
Plant and machinery insurance
Owned & hired plant

Protects heavy equipment and machinery used in industries like construction, engineering, and agriculture.

Up to £50,000 cover

Insure for as long or as short as you need

Competitive prices

Low deductibles

Cover anywhere in the UK, including transit

From
£9.50
per month with a key cover
Flexible
Commercial legal expenses insurance
Commercial legal expenses

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Included

with every subscription
Included
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In detail

Why do health & safety consultants need insurance?

Accusations of wrong advice or recommendations

Providing accurate and practical advice to your clients is at the core of your services. If your client accuses you of flawed or incomplete guidance, you may face an injury or property damage claim.

Blame for non-compliance with regulations

Clients often hire health and safety consultants to ensure their business adheres to relevant regulations. If your client’s business becomes subject to investigation or a fine, you may be blamed for failing to identify compliance gaps and liable for the resulting damages.

Negligence claims

A compensation claim following an accident at a workplace may be placed at your feet. That is if your client decides you have provided incorrect instructions and therefore failed to communicate hazards adequately.

Accidental damage

Health and safety consultants often carry out inspections. If you open a cupboard door to check the content, expensive equipment may fall out, or someone might hit their head on the corner. You may be blamed and asked to pay for damage. A refusal could land you with a legal demand.

Professional indemnity insurance for health & safety consultants

As a health and safety consultant, it's important to have professional indemnity insurance to protect against claims of negligence or inadequate advice that could lead to financial losses for your clients. 

This type of insurance is also referred to as professional indemnity liability or errors and omissions insurance. Essentially, it provides legal defence if a client accuses you of failing to provide adequate safety measures in the workplace or resulting in fines due to non-compliance.

Defence costs to rebuff an accusation can quickly run into thousands of pounds. Without insurance, this could be life-changing.

What does health & safety consultant professional indemnity insurance cover?

Professional indemnity insurance protects health & safety consultants from claims or accusations of wrongdoing from their professional advice or work product.

Cover includes:

  • Failing your duty of care
  • Making a mistake
  • Acting negligently
  • Giving the wrong advice or recommendation

For example:

  • A fine that your client was issued for failing their obligations may land at your feet if they believe your advice or lack of was the cause.
  • An injury could be deemed your fault if your client believes your advice failed to prevent it. You may be sued for compensation.

What professional indemnity limit do health & safety consultants need?

When choosing a professional indemnity limit, it's important to consider a few key factors. These include whether your contract specifies a liability limit, such as £1,000,000, and the total value of your client contracts in recent years. You should also consider potential costs if your work results in damages, who the end consumer of your work will be, and the potential costs to your client if you cannot deliver on time. 

Switching your professional indemnity insurance

In the UK, cancelling a professional indemnity policy means you cannot make claims against it. 

Hence, when changing your health & safety consultant insurance provider, ensure that your new policy includes coverage for your previous work, known as "retroactive cover".

Should I keep professional indemnity insurance if I take a break from health & safety consulting?

It’s smart to keep your professional indemnity if you retire or take a break from health & safety consulting. Claims against professional misconduct can surface months or years after you delivered the work. 

If a past client sues you for damages and you have cancelled your professional indemnity, you will not be covered.

How long you keep your cover in place is up to you; consider the type of work you did and the likelihood that a client might bring a claim against you. 

Public liability insurance for health & safety consultants

Public liability insurance shields health & safety consultants from claims of injuries or property damage.

As a health and safety consultant, you will need to visit work sites to conduct inspections, assessments, and interviews with staff. While you may not be performing any manual work, there is still a risk of accidental damage to third-party property or injury to members of the public.

Even experienced consultants can make mistakes that result in harm or damage, such as accusations of causing injury or property damage. In these situations, public liability insurance can provide protection by covering medical expenses, property damage costs, and legal fees, if necessary.

What does health & safety consultant public liability insurance cover?

Public liability insurance is valuable when faced with injury claims and compensation demands.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example:

  • During a site inspection, a lot can happen. Trips, falls or damages to expensive equipment. You could be blamed and asked to pay the costs. A refusal could result in a legal demand.
  • Even having clients coming to your place of work carries some risks. Injury claims are not unheard of, and even if the reasons are somewhat innocuous, you’ll still need to defend yourself.

Other insurance health & safety consultants buy

As a health and safety consultant, evaluating your circumstances and determining if additional insurance policies are necessary is important. Are you prepared to handle a commercial dispute if one were to arise? How would negative publicity affect your business? Do you have the financial capability to replace any lost, stolen, or damaged technology? Furthermore, how would you manage your business expenses if you became ill?

Commercial legal expenses

Most commercial legal expenses insurance will protect health & safety consultants against various tax and legal issues they may encounter due to their profession, which are not covered by professional indemnity or public liability.

At Suited, we combined £100,000 of commercial legal expenses insurance with helplines and other tools to better assist you in dealing with these issues, and it’s part of your subscription.

Commercial Legal Expenses offers qualified advice and assistance with:

  • Legal and tax matters concerning your business
  • Criminal prosecution
  • Unpaid invoices (over £200)

For example:

  • HMRC investigates your tax affairs
  • You are facing an investigation from a professional body
  • You need legal help chasing a significant unpaid invoice
  • You’re being taken to court for breach of contract

Portable electronics insurance

In today's world, health and safety consultants heavily rely on electronic equipment to provide their services. If your business depends on electronic equipment, consider buying portable electronics insurance to protect your assets.

Income protection insurance

Moreover, income protection insurance is a type of coverage that ensures your earnings remain protected in case you are unable to work due to illness. It is worth considering to ensure financial security during unforeseen circumstances.

Shopping for health & safety consultant insurance

When considering health & safety consultant insurance, consider the following: 

Cheap health & safety consultant insurance

When seeking insurance options for your business as a health and safety consultant, it's essential to consider several factors beyond the cost. You want to select a dependable provider. Suited offers multiple communication channels to ensure you feel confident about your coverage.

The reputation of the insurer is important

Insurance is critical during times of need, so it's crucial to assess the payout reputation of your insurer. Suited partners with financially stable insurers who have an A+ rating.

Many providers charge fees to amend or cancel

Be mindful that some insurers may present low initial prices, but they may add additional charges for monthly payments, policy amendments, or cancellations. At Suited, we do not include any extra fees; you can cancel at any time without further costs.

Some policy wordings are restrictive or have a high excess

Additionally, some providers may propose lower prices but with less comprehensive coverage when comparing coverage options. Suited's professional indemnity and public liability policies have a £0 excess.

In this section
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FAQs

Common questions

Do self employed health and safety consultants need insurance?

As a self employed expert on health & safety, you are likely to benefit from having insurance in place that protects you against accusations of professional errors and negligence.

What insurance do I need as a health and safety consultant?

In the UK health & safety consultants typically require professional indemnity insurance. Public liability insurance may be wise if you visit your clients’ locations and have dealings with their staff.

Do I need qualifications to be a health and safety consultant?

In order to carry out your job you will need to have the right credentials. The same applies to Suited self employed insurance. We can only offer insurance to qualified or appropriately experienced professionals.

Do I need retroactive cover with my health & safety consultant professional indemnity insurance?

If you are switching an insurance provider, ensure your new insurance provider is covering your past work. You cannot make a claim under an expired or cancelled professional indemnity insurance. In other words your previous insurers are not liable for claims that might be made against you. If you have started a business or a contract but forgot to arrange professional indemnity insurance, you can arrange PI cover retroactively.

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Include retroactive PI cover to insure previous work.

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