Energy assessors and home inspectors professional indemnity insurance
It is a requirement for all accredited energy assessors to have professional indemnity insurance and to join a certified scheme. That’s why Hiscox has developed home energy assessors PI insurance, a policy to meet the risks you face in this new and fast-growing professional trade.
Our policy is tailored towards professionals working in domestic and non-domestic energy assessing and energy performance certificate (EPC) provision. It protects energy assessors and home inspectors from the cost of settling or defending a client’s claim that there is a problem with the work they have done for them, for example a mistake in an EPC that they claim prevented the sale of a house.
What does Hiscox energy assessors and home inspectors professional indemnity insurance cover?
- negligence or breach of duty of care – making a mistake in your work or giving bad advice
- defence costs for investigations under the Environmental Protection Act 1990 or similar legislation
- infringement of intellectual property rights – for example using content from a website or publication without permission
- breach of confidence – sharing confidential or sensitive information without consent
- civil liability – if a claim occurs because of your business activity for a client and we haven’t specifically excluded it, it’s covered.
Hiscox insurance for energy assessors includes free crisis containment cover should you need it due to a claim being brought against you. This means you can work with specialist PR experts if a claim were to threaten the reputation of your business. It’s a good way of knowing damage control is in safe hands, while at the same time being able to continue with the day-to-day running of things.
More information about Hiscox Professional Indemnity Insurance
Your PI policy
We want you to understand the PI cover we offer. Energy assessors are covered under our professional indemnity policy for green consultants.
- Download green consultants professional indemnity summary of cover (PDF)
- Download green consultants professional indemnity policy wording (PDF)
Public Liability insurance
You may consider adding a public liability policy to your home inspector insurance. It covers the cost of defending or settling a claim for compensation for bodily injury or property damage from a client or member of the public. When considering whether you need this kind of insurance it’s important to acknowledge the varying circumstances that could arise and end in you facing a costly claim for compensation. For example, you may break an expensive piece of equipment whilst inspecting a client’s home and be faced with the cost of replacing it. You could also be held liable if somebody tripped and hurt themselves on some of your work equipment. With the right insurance cover in place you can be confident that your business will be able to deal with the unexpected.
More about Hiscox Public Liability Insurance
Employers Liability insurance
We also offer employers’ liability insurance. Having this insurance in place is a legal requirement for most businesses with employees. It’s designed to protect your business against the cost of paying or defending a claim for compensation from an employee because they’ve suffered injury or disease as a result of the work they do for you. It could be something as simple as a member of your staff tripping and injuring themselves in the office.
More about Hiscox Employers’ Liability Insurance
If you’re not sure what you need, tell us a little more about what you do. We’ll help you to build your quote and explore any other insurance needs.Build my cover
Hiscox insurance for home inspectors can also include our office contents policy, which protects home or office-based small businesses against the cost of replacing or repairing your business equipment if it is accidentally damaged, lost or stolen. You can also add a range of specialist covers to your policy such as:
- portable equipment – cover for equipment outside of the office, such as laptops and phones
- business interruption – cover for the financial losses that result from being unable to trade due to an unexpected interruption
- equipment breakdown – cover for the sudden electrical or mechanical breakdown of your office equipment.
More about Hiscox Office Insurance
Cyber and data risks insurance
Our cyber and data risks insurance supports and protects businesses if they experience a data breach or are the subject of an attack by a malicious hacker that affects their computer systems. It provides comprehensive cover, simplicity, reputation protection and a trusted partner in the event of a claim.
More about Hiscox Cyber and Data Risks Insurance
Personal accident insurance
As an energy assessor, you’ll be no stranger to the importance of health and safety. But if something did go wrong and you found yourself injured due to an accident, what would happen to your business? Hiscox Personal Accident Insurance can help protect against the financial impact of this by providing your business with a lump sum or weekly amount up to your policy limit.
More about Hiscox Personal Accident Insurance