Hiscox provides energy assessors insurance because we understand the specific risks energy assessors and home inspectors face in their new and fast growing industry. Our professional indemnity insurance policy will help to protect your business and give you peace of mind should things go wrong.
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 your individual needs.
Energy assessors and home inspectors professional indemnity insurance
Our professional indemnity policy can form a valuable part of your energy consultant insurance as it will help protect your business against the cost of settling or defending a client’s claim that they are dissatisfied with the work you’ve done for them. Claims of error or negligence can be expensive to fight even when unfounded, so it helps to know you’re covered should someone claim, for example, that you’ve given them incorrect advice, leading to them losing money.
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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.
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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.
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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
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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
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.
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