Health and Safety Consultants Insurance
What Is Health And Safety Consultants Insurance?
If you’ve got a health and safety consultancy business, there are so many common industry risks and precautions to consider. There’s a risk to people – including safety risks, which subsequently result in a risk of injury. This means that you have a duty of care to ensure the safety of employees. Whilst putting measures and regulations in place to ensure your staff and the general public are safe, having adequate insurance can also protect your business.
We can protect your company, with affordable cover, from a range of liabilities including professional indemnity, public liability and more. Whether your role is to carry out risk assessments, audit reports or anything in between, you can find the right policy and level of cover with The Insurance Octopus thanks to our flexible payment options and tailored policies. Following the guidance from the experts here at our Feefo Platinum awarded company, you can rest assured that you have the right level of cover and are only paying for exactly what you need.
Finding the right health and safety consultants insurance doesn’t have to be a challenge. Simply complete our online quote form or request a call back, and one of our experts will be in touch to discuss the most appropriate options. Better still, if you ever want to change your policy, then you can do so at any time with no administration fees from The Insurance Octopus.
Insurance for health and safety consultants may include the following:
Public Liability Insurance
If a customer or a member of the public gets injured or their property is damaged as a result of your negligence, this policy provides cover from £1m to £5m as standard. Additional levels of cover can be requested.
Employer’s Liability Insurance
We can protect your employees from harm or injury that occurs as a result of your negligence. Cover is available at £10m, as standard.
Professional Indemnity Insurance
Cover is available from £50,000 to £10m. This cover ensures that you’re protected if mistakes are made during any assessments you carry out. This insurance will protect you and your company against trading and financial loss that may occur as a result of the incident.
Legal Expenses Insurance
If you’re involved in a legal dispute and require legal assistance, we’ve got the expenses covered. Without this cover, you could face some hefty charges.
How does insurance for health & safety consultants work?
As a health and safety consultant you will deliver first-class risk assessments as well as providing advice to your clients, all the while providing a professional and sound service. Should a client feel that you have failed to identify or remedy health and safety requirements in an inspection, have failed to advise appropriately, have misrepresented new legislation, or have failed to meet the standards of regulation or compliance. Then they may choose to place a claim against you, should they believe you have been negligent and have caused them damage in any way. Ensuring you have the correct cover in place with a comprehensive Health and Safety Consultants Insurance is vital for protecting you in the event that this happens.
With the help of The Insurance Octopus, you will be able to build a bespoke Health and Safety Consultants Insurance Policy built around the needs of your business, so you will only ever pay for the cover you want.
What your Health & Safety Consultants Insurance Policy includes?
Professional Indemnity Cover for health & safety consultants
Professional Indemnity Insurance is a key element of cover to ensure you stay protected if mistakes are made or have been claimed to have been made in the process of assessments you make. PI insurance will protect you and/or your business against any financial or trading loss that may be caused. Professional Indemnity Cover limits are available 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 injured or become ill because of the work they do for you.
Public Liability Insurance
Public Liability Cover protects you if a customer or a member of the public is injured, or their property is damaged. Public liability Insurance 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 insurer’s terms and conditions.
Legal Expenses Cover
Legal Expenses Insurance is there to help you cover the costs of defending legal action.
Cover for Associated Claims
Associated Claims Costs can cover you if a claim needs to be investigated further or there is a need to bring in expert witnesses in a court hearing. Additional costs associated with a claim that you would not normally have to pay.
Additional covers available
Business interruption, business equipment, personal accident and more can all be added to your policy as required. Speak to the specialists at The Insurance Octopus to ensure your business insurance policy covers exactly what you will need.
Why you need Health & Safety Consultants Insurance?
As your business provides a professional health and safety service, your clients have an expectation of receiving expert guidance and good advice and assessments. If the assessments and consultations that you give are deemed to be insufficient or negligent, then a client could make a legal claim against you.
As a health and safety consultant, your service can shape a business significantly, meaning that the potential cost to your business if a claim is made can be high. As well as any resulting legal expenses there could also be compensation costs to pay if a claim against you is successful, both of which could be detrimental to your future success.
The Insurance Octopus can provide options for including additional covers as required to ensure that you receive a business insurance package specifically tailored to your business needs. By working with a selection of UK insurers who provide the widest choice of PI insurance, we’ll help get you and your business protected in no time. It couldn’t be easier to get covered.
Protecting you and your business with a comprehensive range of covers, all in one tailor made policy
Specialist consultants insurance provider
We can provide cover for a variety of consultant types across various trades and sectors. Our commercial insurance specialists are on hand to help arrange your Professional Indemnity Insurance; they’ll look to build a bespoke policy that ensures you only pay for the cover that you need most.
Spread the cost of your premium
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 to help spread the costs. With a direct debit facility available to help you spread the cost of your insurance premium. Get in touch with us today for more information.
Why choose The Insurance Octopus?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of Public Liability Cover. With more available upon request.
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.
An expert who knows your industry
We’ll connect you with an agent who is an expert in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
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.
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.
Types of professionals we can cover
Get Business Insurance off your to do list
Help protect and grow your business with tailor made business insurance from The Insurance Octopus
Insurance Know How Making business insurance easier to understand
The ultimate small business checklist to help protect against cyber threats
Cyber threats are heard about more and more in the news with many attacks affecting larger businesses. However...
The top 10 Cyber Insurance claim types
Cyber insurance claims are becoming more and more common with each passing year. As business grows more depend...
How much does cyber insurance cost?
Cyber insurance, which covers your business against the effects of a serious cyber incident, is not an “off ...
Get to grips with Under-insurance & The Insurance Act
Inadequate cover presents a great risk to businesses – help ensure your cover is more than adequate by u...
Business Insurance Blog For all the things business & insurance
Cybersecurity Best Practices for an e-Commerce Website
Recent decades have seen tremendous growth in online activities, including ...
Helen Bush Named Director at The Insurance Octopus
Leading commercial insurance broker, The Insurance Octopus, has appointed H...
Cyber 101: The Basics of Cyber Security
Would you be comfortable living in a house where all the doors are left wid...