Health and safety insurance

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Two health and safety offers consulting assessment notes while on site and wearing protective clothing

Insurance for health and safety consultants – why is it important?

Risk and caution define the work you do. But even the professionals value a safety net, and health and safety professional indemnity insurance can give you peace of mind. With professional indemnity insurance in place, we’ll help you add cover for accidents and injuries, any employees, and your trade tools or equipment.

  • health and safety consultant professional indemnity insurance – £50,000 to £5 million
  • 24/7 UK-based claims support from an expert team
  • equipment, accident and employee cover – you choose what you need


What does health and safety consultant insurance cover?

We’ll start with professional indemnity (PI) cover, a number one priority for most health and safety professionals. Our PI insurance is built to cover negligence – however unlikely – as well as other failings in your duty of care. You can add other popular covers like employers’ liability, if you need it, and public liability insurance for accidents and injuries.

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 and safety 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 £4.74 per month

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Example health and safety consultant insurance quotes, real prices

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

Professional indemnity

No excess

£2500

Public liability

£200

£750

Contents

£100

£750

Tools

£60

£500

Employers liability

No excess

No excess

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.


How it works

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.


Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

Call our team

0333 043 8527

Online

Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions


How do claims work?

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 any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

83% of claims were settled in 2023

Example claim

Having health and safety insurance through Simply Business has saved consultants thousands of pounds when the unexpected happened.

Caroline saved more than £1,980

Caroline (not her real name) spilled coffee over her new laptop while writing up a report on the train. The business and office equipment cover in her health and safety insurance policy took care of the accidental damage costs.



Health and safety consultant 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 health and safety consultants. You can also check out our business insurance FAQs.

This depends on your business, your clients and the contracts you’re taking on. If you’re certified by your industry body, then you may need professional indemnity insurance in order to operate. But even if it’s not mandatory for your job, professional indemnity cover will still be a priority for most consultants.

For example, your client may require you to have £250,000 of professional indemnity insurance in place before taking on their project. We offer between £50,000 and £5 million in PI cover, so it should be a quick job to find the right level for your policy.

From there, lots of businesses choose to include public and liability cover – in case they cause an accident – plus insurance for their tools and other kit. And remember, employers’ liability insurance is a legal requirement for most businesses with employees.

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 043 8527 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.

If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.

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.

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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