More than 22,000 management consultants* can’t be wrong. That’s how many we currently insure under our specialist professional indemnity insurance policy, which is tailored for the profession. With such a high number of business consultants putting their trust in us, you can be confident that we understand the risks you face when it comes to your profession.
As a specialist business insurer, you can also trust us to protect you against many of the other risks faced by small businesses. Choose the products that are right for your business and create one single and comprehensive insurance package to meet the needs of you and your business.
Business and management consultants professional indemnity insurance
Hiscox consultants insurance includes an industry-specific professional indemnity policy that can help protect your business against the cost of settling or defending a client’s claim that there are problems with your work. This could be where a client alleges you have given incorrect advice that has cost them money.
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When considering what insurance for business consultants should include, it’s worth giving some thought to the risks your business is exposed to. If you visit clients at their premises or have clients or members of the public visiting yours, you could be held responsible for loss or damage that occurs. Hiscox public liability insurance is designed to cover the cost of settling or defending a claim from a client or member of the public that they’ve suffered bodily injury or property damage as a result of your business. This could be something as simple as damaging a client’s high-spec laptop by spilling a drink while working at their office. If you don’t have the right cover in place it could end up being a very costly accident.
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It’s a legal requirement for most businesses with employees to have a minimum level of employers’ liability insurance in place. It’s designed to protect your business against the cost of settling or defending claims from an employee that they’ve suffered injury or disease because of the work they do for you. This could be an injury to a part-time worker caused by tripping over a loose bit of carpet.
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Our office contents policy 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.
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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.
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Personal accident insurance
What would happen to your business if you, or a key employee, are unable to work due to an accidental bodily injury? Hiscox personal accident insurance can help protect against the financial impact of this by providing your business with a lump sum or weekly amount.
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* As at 31st May 2015, we insure 22,946 management consultants.