Health safety environmental consultancy insurance
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Rated 4.7/5
Based on 39,770 reviews
Claims paid in 24 hours
For 80% of settled claims
Health safety environmental consultancy insurance – why is it important?
Whether it’s helping others to reduce emissions or increase energy efficiency, you need to protect yourself against the risks associated with a position of responsibility. The good news? Whether you use expensive equipment or employ staff, business insurance is there to protect you against unexpected costs.
- liability insurance for health safety environmental consultants, including public and employee risks
- optional personal accident cover for your own injuries, or anyone on the policy
- trusted by over 900,000 small UK businesses for flexible, tailored cover
What does health safety environmental consultancy insurance cover?
Most businesses usually start with public liability insurance when building a policy. It protects your business against injury, illness, and property damage claims from members of the public. Beyond that, you can tailor your policy to cover the different risks your business faces.
Professional indemnity
In case a client loses money because of your advice, services or designs.
Public liability insurance
In case your business and products cause an injury or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for your business
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
Business legal insurance
In case you’re hit with legal expenses connected to your business.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
Excess insurance
In case you need to make a claim on your insurance policy.
Professional indemnity
In case a client loses money because of your advice, services or designs.
What’s typically covered by [TRADE] professional indemnity insurance?
Claims against your business for:
- mistakes in the advice you give, which lead to a financial loss for your client
- errors in your certification services that mean a client loses out financially
- negligence in your advice or services that becomes costly for your client
For example :
- you lose a client’s important documents or data and they claim for financial losses
- you publish a false statement that damages a person’s or business’s reputation
- you need to pay to fix a mistake or compensate your client following a dispute
Read more about professional indemnity insurance
Public liability insurance
In case your business and products cause an injury or property damage.
What’s typically covered by public liability insurance?
Claims against your business for:
- damage to someone’s property, caused by your work
- an injury or illness caused by your business activities
- certain accidental damage or injuries caused by your employees
For example:
- you accidentally knock a shelf of products onto the floor while working on a client’s premises, which break and need replacing
- you leave a trailing cable outside your premises, causing someone to trip and injure their back
- an accident happens at your premises and someone is injured because of your work
**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**
Read more about public liability insurance
Employers’ liability insurance
In case anyone gets ill or injured while working for your business
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- an injury to someone you employ, including contractors and temps, that happens as a result of working for you
- a member of staff (including casual workers) falling ill due to your business
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
- one of your employees falls down some stairs in your business premises, and makes a claim against you for chronic shoulder pain
- a temporary employee traps their hand in a door at your premises, causing several fractures
- a member of staff trips on a ledge on their way to a meeting, injuring their hip
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
What’s typically covered by business equipment insurance?
Claims against your business for:
- destruction and damage of your contents equipment, such as furniture or photocopiers
- cover for flood or fire damage, plus theft and vandalism
For example:
- some of your business equipment, including a printer, is damaged by a fire
- several TV screens you use for virtual meetings are stolen by thieves
- an upstairs leak in your premises causes damage to the sofa and chairs in your reception area
Read more about business equipment insurance
Business legal insurance
In case you’re hit with legal expenses connected to your business.
What’s typically covered by business legal insurance?
Claims against your business for:
- VAT disputes
- theft of your company’s identity illegally
- compensation under data protection legislation
For example:
- HMRC is investigating your VAT affairs, triggered by seemingly incorrect figures on your return
- a fraudster steals your company’s bank details and buys goods to set up a new line of credit with banks or retailers
- a client is claiming you didn’t process their data in accordance with GDPR, and is seeking compensation
Read more about business legal insurance
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
What’s typically covered by personal accident insurance?
Claims against your business for:
- accidental injury or death at work or elsewhere, for anyone covered on the policy
- lost income, medical costs, and hospitalisation benefit
For example:
- you twist your ankle while exercising and can’t work for over a week
- one of your employees, who’s named on the policy, traps their hand in a car door and needs to rest it for two weeks
- you’re working near a building site and an extremely loud noise results in sudden hearing loss
Read more about personal accident insurance
Excess insurance
In case you need to make a claim on your insurance policy.
What's typically covered by excess insurance?
Claims made by you for:
- when you make a claim on a cover included in your business insurance policy, you won’t need to pay excess
For example :
- after a heavy storm you need to make a claim on your building cover – you don’t have to pay the £250 excess thanks to your excess insurance
- a leak in the bathroom causes a guest to slip and injure themselves and thanks to excess cover, there’s no excess to pay on the claim
- a tenant’s suitcase scratches the wooden flooring in your hallway – you won't have to pay any excess on your accidental damage claim
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does health safety environmental consultancy insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £3.49 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
*The price is for £1 million of public liability insurance - 10% of customers paid £41.87 or less annually between 1st Oct 2023 - 31st Mar 2024. Equivalent to £3.49/month (and excludes the extra costs for paying monthly). If you complete a quote more types of cover will be available, these all have additional costs.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | No excess | £750 |
Employers' liability | No excess | No excess |
Contents | £200 | £4,000 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
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How do insurance claims work for health safety environmental consultants?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£39 million in claims paid out in 2022
Paying 80% of settled claims within 24 hours in 2022
The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
Chosen by 900,000 small businesses and landlords
We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.
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Rated 4.7/5
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Health safety environmental consultancy insurance FAQs
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.
If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
Make sure you’re covered for the services you provide:
- View all business insurance covers
The types of businesses we insure:
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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