Lifestyle insurance
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Rated 4.7/5
Based on 39,717 reviews
Claims paid in 24 hours
For 80% of settled claims
Lifestyle consultant insurance – why is it important?
Helping clients as a lifestyle consultant comes with a set of unique risks, from giving bad advice to accidents in your workplace. Make sure you protect your business with the right cover, whether you work alone or with a team.
- professional indemnity insurance for lifestyle consultants, UK claims and contact team
- peace of mind, letting you focus on your business, not the what-ifs
- UK-based claims team, award-winning and available 24/7
What does lifestyle consultant insurance cover?
Build a policy that covers the unique needs of lifestyle consultant. Most businesses usually consider public liability insurance, which covers you if a member of the public gets injured or loses out financially and blames your business. From there, tailor your policy by adding covers that suit your business best.
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
Professional indemnity
In case a client loses money because of your advice, services or designs.
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 consultancy.
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.
Public liability insurance
In case your business and products cause an injury or property damage.
What’s typically covered by public liability insurance for lifestyle consultants?
Claims against your business for:
- causing damage to someone’s property, caused by you or as a result of your work
- causing illness or injury because of your business activities
- accidental damage or injury caused by your employees, if you have any
For example:
- you spill hot coffee over a client during a meeting, causing a burn
- a contractor working on the same premises as you trips over your tool kit, breaking their knee in the fall
- one of your employees causes extensive damage to your client’s property when reversing their van
**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
Professional indemnity
In case a client loses money because of your advice, services or designs.
What’s typically covered by lifestyle consultant professional indemnity insurance?
Claims against your business for:
- negligence or mistakes that leave your client out of pocket, leading to costly legal disputes
- when your client decides your work is inadequate and you lose out financially fixing it
- other faults that lead to fines, claims, or other losses for your client
For example :
- a client alleges that you gave them poor advice, leading to costly legal dispute
- someone sues your client for defamation following something your business said about them
- you lose important documents, meaning your client misses a tax deadline and gets a fine
Read more about professional indemnity insurance
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
What’s typically covered by business contents 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 contents insurance
Business legal insurance
In case you’re hit with legal expenses connected to your consultancy.
What’s typically covered by business legal insurance?
Claims against your business for:
- costs and expenses for legal representation to recover debts or unpaid invoices
- costs and expenses following identity theft
- tax protection if there’s an investigation into your business
For example:
- one of your clients is unhappy with your work and believes you haven’t met the contractual requirements – as a result they’re refusing to pay their outstanding invoice
- your CEO’s contact details are used by a fraudster to set up a new line of credit with a business bank
- HMRC is investigating your recent tax return as they noticed a fluctuation in your business income
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:
- if someone named on the policy is accidentally injured or dies while at work or elsewhere
- any hospitalisation benefit or medical costs, plus lost income
For example:
- you fall off a ladder while decorating your home, breaking your elbow
- a member of staff, who’s named on the policy, dislocates their shoulder while playing tennis and can’t work to full capacity
- an insect bite you got on holiday becomes infected and you need to take time off work for hospital treatment
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:
- the cost of the excess you’d have to pay when making a claim on a cover included in your business insurance policy
For example :
- strong winds cause severe damage to the roof of your property – you don’t have to pay the £250 excess thanks to your excess insurance
- a guest accidentally breaks a television during their stay at your property and thanks to your excess insurance, you don’t need to pay excess on the claim
- a guest’s child trips on a loose carpet and breaks their arm – they claim compensation and you don’t pay excess due to your excess insurance
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 lifestyle 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 £3.19 per month
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10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
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 lifestyle 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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Lifestyle 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 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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