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 a health and safety consultant.
Choose from the below policies to create a tailored package that suits your needs.
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 protects your business against the cost of settling or defending a client’s claim that there is a problem with your work, whether or not it is founded. This could be where a client alleges you have given incorrect advice following a safety audit or if you face an investigation under the Health and Safety at Work etc. Act 1974.
More about Hiscox professional indemnity insurance for health and safety consultants >
Public liability insurance
If you are frequently out on site or visiting clients in their offices, it’s wise to consider incorporating a public liability policy into your health and safety consultant insurance. This means that you’ll be covered should an accident occur as a result of something you’ve done. Public liability insurance is designed to cover the cost of paying or defending claims for compensation made against you by a client or member of the public due to bodily injury or property damage.
More about Hiscox public liability insurance >
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.
More about Hiscox personal accident insurance >
Employers’ liability insurance
If you own a health and safety consulting business and employ one or more members of staff, it’s probable that you’ll be required by law to take out an employers’ liability insurance plan. This can protect your business against the cost of settling or defending an employee claim for injury or disease because of the work they do for you. Don’t forget, even an unfounded claim can be expensive and time-consuming to deal with so it’s vital to consider insurance cover to avoid any financial crises.
More about Hiscox employers’ liability insurance >
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).
More about Hiscox office insurance >
Cyber and data risks insurance
If you operate in anyway online when it comes to running your business, it’s wise to protect yourself against various e-risks, such as data theft and damage caused by hackers. 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 >