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Businesses may seek your help with keeping emissions low, making their premises more energy efficient or complying with health and safety regulations. They’re all jobs that include lots of client interaction and put your business in a position of responsibility.
Simply Business offers tailored policies for businesses in the health, safety and environmental industry, with public liability insurance in case you’re blamed for damage or injury, and professional indemnity insurance in case you’re sued by a client for a mistake you make in your work.Start your quote
Professional indemnity insurance covers compensation claims made against you because you’ve given faulty advice or made a mistake in your work. For example, if you gave a business inadequate health and safety advice and they faced prosecution as a result, this insurance could cover the compensation payment and legal costs.
Public liability insurance can also be important for environmental consultancies and health and safety businesses, as it’s useful for any business that comes into contact with members of the public. It covers compensation claims made by someone (a client, a supplier, a passerby etc) for injury or damage that’s caused by your business. For example if you visited a client’s office and spilt coffee over their computer equipment, they could claim compensation for the damage.
You can add other covers to your business insurance policy too, including business buildings insurance if you’ve got a premises, and employers’ liability - a legal requirement if you employ any staff.