What is environmental consultant insurance?
As a professional in the environmental industry you will be offering a professional, sound and expert service to your clients, making energy efficient and sustainable recommendations, along with creating environmental reports for businesses who will then rely on your advice.
Many environmental consultants find themselves part of the early stages of an environmental project, often providing advice and guidance on considerations in policy, plan and project development. You may conduct environment assessments of environmental impact, or perhaps report on managing, protecting and restoring the environment and ensuring sustainable outcomes. That is why your Environmental Consultants Insurance needs to protect you with professional indemnity cover should a client make a claim against you for your advice should they believe it to be negligent and cause them damage in any way.
The Insurance Octopus’ personalised business insurance policies are designed to suit your requirements ensuring that you can tailor your policy with the greatest of flexibility. You will have all of the essential cover you need in one simple business insurance policy.
What your environmental consultants insurance policy includes
Professional Indemnity cover
Professional Indemnity insurance, or PI insurance, will protect you and/or your business against any financial or trading loss that may be caused as a result of bad advice or a mistake made in work. Professional Indemnity cover limits from £50,000 to £10m.
Employers Liability insurance cover
Employers Liability insurance cover is required by law if you have one or more employees. Standard Employers Liability cover is £10m and will protect you as the employer against claims from your staff should they be hurt when working for you.
Public Liability cover
Public Liability cover protects you if a customers or a member of the public is injured or their property is damaged, and protects you against the cost of repairs or any legal proceedings that could be filed against you. Standard levels of cover are available from £1m to £5m, with additional levels of cover available upon request and subject to insurers terms and conditions.
Legal Fees can cover the cost of legal representation, which can be expensive if you do not have cover. Legal Fees can cover the costs of a claim or defence.
Associated Claims Costs
Associated Claims Costs can cover you if a claim needs to be investigated further or there is a need for bringing in expert witnesses in a court hearing; essentially any additional costs associated with a claim.
Why you need environmental consultants insurance
Because your business provides a professional service giving environmental advice, guidance and reports, your clients have an expectation of receiving expert guidance and a good standard of service. In your role you’ll be helping your clients through an environmental project’s cycle; from planning through to design, with that all in mind you will want to ensure you’re protected should something go wrong along the way.
If your client feels that the service expected of you has not been received, they could then make a legal claim for compensation and the potential costs to your business if a claim is successful can be extremely high. As well as legal expenses there could also be a compensation sum to pay in these cases so it’s important to ensure you’ve got the right cover in place to protect your financial security.
The Insurance Octopus will help you to put together an Environmental Consultants Insurance package specifically tailored to your business needs by working with a selection of UK insurers to provide the widest choice of Professional Indemnity insurance. By having flexibility with your professional indemnity business insurance policy from The Insurance Octopus, you can make sure your cover fits your exact requirements. It couldn’t be easier to get covered.
Insurance made for you
We cover a wide variety of trades and occupations, and are experts in providing professional indemnity insurance which means you will get a bespoke policy that ensures you only pay for the cover you need. We can add cover for your business equipment at home, in the office or in transit and provide options for covering you in sector specific situations as required.
We can arrange same day cover
In most cases, we can provide you with your business insurance and documents on the same day (subject to time of day restrictions), offering a range of flexible payment options, including Direct Debit. Get in touch with us today for more information.
Why choose us for your environmental consultants insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
We can't stop accidents from happening but our Professional Indemnity insurance will give you up to £5m worth of cover - with up £5 million worth of public liability insurance cover also included.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
Specialists who understand your profession
Connecting you with agents who specialise in your field. They understand many of the challenges you face, & can tailor a policy to your needs.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
How it works
Examples of environmental consultants insurance in action
A major incident
A consultant working on a tree felling operation was seriously injured after a tree he was felling toppled over on him unexpectedly. After an investigation took place, it transpired that the fall took place due to the poor advice given by the environmental consultant who was working on the project. This led to him facing serious charges and a long period of legal action. Fortunately, he did not have to worry about the cost of defending the case as his professional indemnity insurance was there to cover it.