Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK health & safety consultants — quotes are provided directly by FCA-authorised insurers, not by us.
🤝 Partnerships launching soon
Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
Health & safety consultants often work across a wide range of premises and project types. What you tell your insurer about that range directly affects whether a claim is covered.
Advising on or surveying sites with known or suspected asbestos, legionella or other hazardous substances is treated as higher-risk work by insurers. If this forms part of what you do, it generally needs to be specifically declared and included in your policy wording, not assumed to be covered under general consultancy.
Confined spaces, work at height, demolition and live construction sites carry materially different risk profiles to an office risk assessment. Insurers will usually ask what proportion of your work involves these settings when quoting, and cover can be restricted if your declared activities don't match what you actually do.
If your consultancy takes on a new type of site or sector you haven't worked in before — oil and gas, food processing, or working with vulnerable groups, for example — tell your insurer before starting, not at renewal. A claim arising from undeclared activity risks being unsupported.
If a client is investigated by the HSE following an incident and your advice or risk assessment is scrutinised as part of that, you may need legal representation even if you're not found to be at fault. Check your PI policy includes defence costs for this, not just compensation for a proven claim.
A strong policy covers the specific risks of your trade — from negligent advice claims to data breaches and client disputes.
Protects against claims of negligence, errors or bad advice from clients. Essential for any business that provides advice, designs or professional services. Covers legal costs and compensation.
Covers injury or property damage to clients or third parties at your office or client premises. Required by most co-working spaces and client contracts.
Legally required if you employ anyone. Covers employee injury or illness claims arising from their work. Minimum £5 million required by law.
Covers data breaches, cyber attacks and GDPR fines. Professional service firms handle sensitive client data — cyber insurance is increasingly essential.
Covers your office equipment, computers and business contents against theft, fire and accidental damage at your premises.
Covers legal costs for contract disputes, employment tribunals, HMRC investigations and debt recovery.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
🤝 We're finalising partnerships with FCA-authorised UK insurers so you can compare real quotes here soon. Check back shortly, or get in touch if you'd like to be notified when comparisons go live.
Compare insurance for similar trades and businesses.
Compare from leading UK insurers. Free, fast and no obligation.