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As an HR consultant you’re a workplace expert and a professional people-person. Unfortunately, this position of responsibility and your close contact with clients brings certain risks.
A HR consultant insurance policy from Simply Business can include both professional indemnity insurance in case a client sues you for a mistake you’ve made in your work, and public liability insurance for injury or damage claims made against your business.
You can also add other covers to your policy, like employers’ liability insurance if you have any staff, and business buildings insurance if you want to protect your premises.
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These are some insurance types that tend to be useful for HR consultants, but each business is different so you should choose your insurance based on your needs.
Public liability insurance can protect you against injury or damage claims made by members of the public, including your clients. For example if you spilt a cup of tea over a client’s computer equipment while making a presentation, they could sue you for the damage, and your public liability insurance could cover legal fees and the compensation payment.
Professional indemnity insurance is really important for any business that gives advice, as it can protect you against compensation claims made by a client for negligence or a mistake you’ve made in your work. For instance, if you gave a business incorrect advice about company policies and procedures and they faced an investigation as a result, your professional indemnity insurance could cover the compensation payment and legal fees.
Employers’ liability insurance is usually a legal requirement if your HR consultancy employs any staff. You can also add other covers to your policy like business equipment insurance, legal protection insurance, business interruption insurance and personal accident insurance.
Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.