Hiscox insures more than 180,000 businesses and was awarded 'Best Small Business Insurance Provider' in the Start Your Business Awards for the last seven years in a row. We have developed a range of flexible policies so that you can design a policy specifically to suit your individual needs as an environmental consultant.
Professional indemnity insurance
You may feel confident in your work, but any business providing consultancy or inspection services is vulnerable to claims of negligence. Professional indemnity insurance helps protect your business against the cost of settling or defending a client’s claim that there is a problem with your work. This could be where a client alleges you have given incorrect advice or made a mistake that is expensive to fix.
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As an environmental consultant, liability insurance could offer you vital protection should an accident occur as a result of something you’ve done. In your line of work, it’s likely that you’re frequently out on site or visiting clients in their offices, which opens you up to the risk of claims made by the public. Public liability insurance would help protect your business against the cost of settling or defending claims for compensation from a client or member of the public due to bodily injury or property damage.
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We also offer employers’ liability insurance, which is compulsory for most businesses with employees. This protects against the cost of paying and defending compensation claims made by employees that they have suffered injury or disease as a result of the work they do for you.
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Personal accident insurance
What would you do if you couldn’t work as a result of 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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Our office contents policy protects home or office-based professionals against the cost of replacing or repairing your business equipment if it is accidentally damaged, lost or stolen. If you’re out and about a lot with your job, you could also consider adding on cover for portable equipment (e.g. laptops and phones).
We also offer cyber and data risks insurance, which is designed specifically to support and protect small businesses if they experience a data breach or are the subject of an attack by a malicious hacker that affects their computer systems. You can add our different covers together to create one simple insurance policy for your business and then pay by interest-free Direct Debit instalments.