Energy assessor insurance
Join over 900,000 customers like you with Pi cover from £1.90 per month*
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For 80% of settled claims
Why is energy consultant insurance important?
You’re providing an expert service every day, plus working in all sorts of buildings and properties. If a public liability claim came up – or a professional indemnity case – would you have the funds ready to cover it? From EPC services to analysis and other work, we provide cover for companies across the UK, including extra cover options for your kit, employees, and personal accidents.
Domestic or commercial? Let us know what type of work you do when selecting your specific trade/profession at the start of your quote. Our commercial energy assessment policies automatically cover you for domestic work too.
- professional indemnity insurance, between £50,000 and £5 million
- optional personal accident cover for your own injuries, or anyone on the policy
- public liability insurance options, between £1 million and £10 million
What does energy assessor insurance cover?
Details are important when building a business insurance policy, from the equipment you rely on to any employees you’ve brought on board. We put you in control of your cover, starting with public liability insurance for accidents and injuries – you can buy this as a standalone cover or add other protection like employers’ liability or professional indemnity insurance.
Public liability insurance for energy assessors
In case your business causes an injury or property damage.
Employers’ liability insurance
In case an employee gets sick or injured while working for you.
Professional indemnity insurance for energy assessors
In case there’s a claim for negligence, or breaches in your duty of care.
Business and office equipment insurance
In case something happens to equipment like your office hardware.
Tools insurance
In case your tools are lost, stolen or damaged.
Legal expenses insurance
In case you’re faced with legal costs from running your business.
Personal accident insurance
In case you or anyone you’ve covered has an accident, at work or off duty.
Public liability insurance for energy assessors
In case your business causes an injury or property damage.
What’s typically covered by public liability insurance?
Claims against your business for:
- injury or damage to someone’s property, caused by you or as a result of your work
- accidental damage or injury caused by your employees, if you have any
For example:
- an engineer working on the same property as you trips over your tool kit, breaking their knee in the fall
- you cause extensive damage to your client’s property when reversing your 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 an employee gets sick or injured while working for you.
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- an employee suing you because they’re injured or fall ill as a result of working for you (includes temp staff and casual workers)
**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:
- your employee falls from a height while conducting an assessment, breaking their leg
- back in the office, your employee is reaching for printer paper on a top shelf and dislodges an old laptop, which falls and causes a deep cut
Professional indemnity insurance for energy assessors
In case there’s a claim for negligence, or breaches in your duty of care.
What’s typically covered by professional indemnity insurance?
Claims against your business for professional negligence or a loss-causing breach of contract. This can include:
- advice which turns out to be incorrect
- mistakes in your work that cost others money to fix
For example:
- you make a mistake when working on a client’s EPC, and they raise a claim against you
- delays in your schedule impact on a client’s shop opening date, and they sue for lost income
Read more about professional indemnity insurance
Business and office equipment insurance
In case something happens to equipment like your office hardware.
What’s typically covered by business and office equipment insurance?
- theft of the operational equipment you use to run your business, rather than tools of the trade
- accidental loss of your equipment
- flood, fire, or accidental damage
For example:
- you lock your office for the night and someone breaks in, stealing three laptops and a phone
- an employee drops your tablet from a height, damaging it beyond repair
Read more about business and office equipment insurance
Tools insurance
In case your tools are lost, stolen or damaged.
What’s typically covered by tools insurance?
- loss, damage, or theft of your trade tools and equipment
For example:
- you stop to get a coffee and your tool kit is stolen from your locked car
- while commuting, your employee accidentally leaves their tool kit on a train platform and it’s never recovered
Read more about tools insurance
Legal expenses insurance
In case you’re faced with legal costs from running your business.
What’s typically covered by legal expenses insurance?
- legal costs that you’re responsible for, within your business
- property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
- tax and compliance disputes, and investigations you need help with
- access to expert advice – including a tax advice phone line, confidential 24/7 legal phone line, and crisis support to help you protect your professional reputation
For example:
- an employee raises a discrimination claimt against you, and you need to pay for legal representation
- HMRC begin an investigation into your tax history, and you need to hire a solicitor
Read more about legal expenses insurance
Personal accident insurance
In case you or anyone you’ve covered has an accident, at work or off duty.
What’s typically covered by personal accident insurance?
- accidental injury or death of anyone you’ve chosen to cover in your policy – whether this happens at work or elsewhere
- lost income, hospital bills, or other medical costs associated with the accident
For example:
- you fall from a height while on site, breaking your elbow and leg
- an office-based employee traps her hand in her car door, and can’t work at full capacity for at least three weeks
Read more about personal accident 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 energy consultant 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 £1.90 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
*How we work out example prices 10% of our customers paid up to £22.81 a year for a professional indemnity insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £1.90 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.
Example energy assessor insurance quotes, real prices
£8.85 /month
£68.52 /month
A self-employed domestic energy assessor who carries out energy assessments on local properties, such as houses and flats.
- 1-2 years' experience
- Sole trader
- No employees
- Based in Bristol
Public liability
Not included
Employers’ liability
Not included
Professional indemnity
£50,000
£102.24 /month
£908.81 /month
A small non-domestic energy assessor (NDEA) firm that produces EPCs for non-domestic and public buildings nationwide.
- 5+ years' experience
- Limited company
- 2 employees
- Based in EH11 2AY
Public liability
£5,000,000
Employers’ liability
£10,000,000
Professional indemnity
£250,000
How we work out example quotes These examples are real quotes from our online system (created 17/04/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
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 |
Portable equipment | £100 | £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.
Can I just cover my most expensive tools?
Which type of workers do I need insurance for?
Will tools insurance cover all my equipment?
Does energy assessor insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
Can I just cover my most expensive tools?
Make sure you cover the total cost of replacing all your tools or you’ll only get a proportion of your claim paid out if something happens to them. Learn about tool cover.
Which type of workers do I need insurance for?
Employers’ liability insurance is a legal requirement if you employ people.
If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.
Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Will tools insurance cover all my equipment?
Depending on what you use to do your work, you may need other covers.
You may need more than tools insurance – for example, business equipment insurance if you have a work laptop, plant insurance if you use machinery.
Does energy assessor insurance cover my work correctly?
Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider electrical engineer insurance or engineering consultant insurance?
Do I need cover for other types of work?
If you provide other services, make sure you’re covered:
Other types of insurance
Which public liability cover limit should I choose?
Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.
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
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. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
£39 million in claims paid out in 2022
Paying 80% of settled claims within 24 hours in 2022
Chosen by 900,000 small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their business insurance.
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Rated 4.7/5
Based on 39,717 reviews
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Energy assessor insurance FAQ
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 energy assessor insurance. 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 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.
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 instalments.
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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