Health and safety insurance

No more risky business
Professional indemnity
from
£15.99
 a month
 for £100,000 cover

Professional indemnity insurance defends you against claims of negligence, breach of confidentiality, dishonesty, libel and slander. We offer up to £10,000,000 cover.

+ Public liability
£4.20
 a month
£1,000,000 for physical damage and injuries caused by your business
+ Employers’ liability
£3.50
 a month
£10,000,000 legally required cover for employers
Based on an annual income of up to £25,000. All prices include IPT at 12%.
Quote online for turnovers up to £5,000,000, or call and talk to an expert.
Stay in one piece

Pointing out your clients’ potential pitfalls can add to yours. If you miss something or give them the wrong advice, and there’s an accident, it won’t just be them slipping up.

Protect your business with H&S consultants’ professional indemnity insurance. It’s a zero-risk option.

Why do H&S consultants need professional indemnity insurance?

A hard hat and a clipboard can only offer so much protection. None at all when there’s legislation involved.

Your clients know this too and are expecting you to make sure they’re safe. The consequences of breaching health and safety law can be costly; for you and your client.

The fact is mistakes happen every day and, sooner or later, you could be faced with an irate client. Worse still, a negligence claim - or even just an allegation - won’t go away and is enough to scupper your business.

Professional indemnity for health and safety consultants helps by paying your legal defence costs, fixing what’s wrong, and compensating your client too.

Having it means you don’t need to be a legal expert or a limitless pot of money. You don’t need to worry about protecting your reputation either. You can just get on with doing what you do best: running your business.

How much professional indemnity insurance do I need?

There’s safety in numbers. Specifically, the numbers on your insurance.

In simple terms, the more cover you have, the more protection you have. Our advice is always to buy as much as you can afford. You just never know.

But, if you have one eye on the budget (and who doesn’t?), you might want to narrow it down a little. In that case, you need to think about what can go wrong, worst-case scenario. What sort of businesses do you work with? What industries are they in? Are they big or small? How much is your very biggest mistake likely to cost to put right?

We know it’s difficult. If it helps, have a read of this guide or call us if you need more help.

What does professional indemnity insurance cover?

Negligence claims and allegations made against you by clients and third parties, because of mistakes you’ve made and things you’ve failed to do.

Specifically (but depending on the policy wording):

  • Defamation
  • Intellectual property infringement
  • Loss of documents or data
  • Negligent misrepresentation or misstatement
  • Employee dishonesty
  • Virus transmission
  • Breach of confidentiality
  • Failure of third-party equipment

But that’s not all. Some professional indemnity policies can fix a mistake before your client is even aware of it, thereby preventing a claim in the first place.

Clever stuff.

Do I need public liability insurance?

It’s hard to evaluate risk without seeing it first-hand. It’s an unavoidable part of your business. All of which, ironically, increases your risk.

Health and safety consultants’ public liability insurance covers you if a third party (client, member of the public, anyone) accuses you of damaging property or injuring a person.

If there’s a claim against you, your policy pays your legal costs, fixes what’s wrong and compensates the injured person.

What else do I need?

Employers’ liability insurance covers your business if an employee sues it for damages. Claims are usually because they’ve suffered injuries and illnesses as a consequence of working for you. It’s a legal requirement for UK businesses with employees.

Office and property insurance covers the things in your office (furniture, plants, fixed IT equipment etc) and portable insurance covers gadgets and technical equipment away from the office (laptops, tablets, projectors etc). If you’re not sure it’s worth insuring, add it all up - it’s probably worth more than you think.

Business interruption insurance means you can still work when your office is out of action. Be it flood, fire or flea infestation, you’re covered for the costs of setting up elsewhere and for any lost revenue in that time.

Directors’ and officers’ insurance covers your company bosses. Anyone from regulators to shareholders to competitors can accuse you of not running a business with due care. Worse, directors are personally liable for their actions. The good thing is this insurance covers your defence costs and any compensation you have to pay. So you can put away your chequebook.

Why should I buy my insurance from you?

Glad you asked.

The simple answer is: we know what we’re doing. Professional insurance is all we do so we know what you need, even if you don’t.

We also know that buying insurance can be, well, a bit of a pain. So we make sure getting yours is quick and hassle-free.

We do all that while treating you like a human being, too. You won’t find a call centre here. Or a phone menu. And we’ve banned nonsense insurance jargon.

Anything else? Well, there’s the great stuff you get, such as 20% off everything at MOO. We have an ‘I’m insured!’ badge for your website too - perfect for the professional professional.

Also, we’ll give you money each time you recommend us.

Plus, every insurance-related question you can think of is answered in our School of Risk, and you’ll get our quarterly risk advice email - ‘The Waggle’ - to help you avoid problems in the first place.

If you’re after a second opinion, have a look at our customers’ feedback. They’re the ones you should really listen to.

Read what our customers say about us
Easily sorted out the policies for my company in a very user friendly package.
Brad,
Fire Safety Consultancy
26 August 2018
easy quick and proffesional
Alan,
Safety consultancy
20 August 2018
Simple efficient competitive
Jeremy,
Environmental health consultancy
21 May 2018
Prefer to talk it through?

We’re here Mon-Fri, 9-5.30.

Give us a ring on 0345 561 0320

Or ask us to ring you

Nina Lydford
Assistant Account Executive