Consultant insurance
Insure your consultant business for liability with zero hassle
In partnership with some of the leading UK insurers, we’ll not only get you a better consultant insurance deal with the best cover available, we work hard to keep you as a customer year after year.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable public liability insurance prices. Get a consultant liability insurance quote today.
With over 50 years of experience providing top-quality insurance for public liability, you can be sure we’ve got you covered.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
We compare the market to find the right deal for you as a consultant.
World-class support
Our UK-based expert team are here to provide you with dedicated support.
What is consultant insurance?
Consultant insurance is a public liability policy that protects consultants from claims related to their advice or activities, covering injuries or property damage caused during their work. It is an essential safeguard for professionals in advisory roles.
It covers a range of scenarios where your consultant business could be held legally responsible for causing harm or damage.
Some key areas it typically includes are injury to third parties, damage to third-party property, legal expenses, and compensation claims.
Public liability insurance is crucial to consultant companies for several reasons:
- Business reputation: Insurance demonstrates professionalism, making you more appealing to clients.
- Financial protection: If a client or third party is injured during a meeting or their property is damaged, insurance protects you financially.
- Client Requirements: Many client contracts specify that consultants must have insurance.
What are the benefits of a consultant insurance policy?
Personal injury claims
Consultant insurance covers you if a client or member of the public is injured during a meeting or site visit related to your business.
Damage to property
Accidents happen and this insurance covers you if you accidentally damage a client’s property, like breaking equipment during a consultation.
Legal protection
If a claim is brought against you, even unjustly, consultant insurance covers the legal costs to defend your case, protecting your finances.
* Subject to your chosen level of policy cover and the prevailing policy excess.
How much does consultant insurance cost?
This depends on the nature and size of your consultant business, the level of risk involved and any claims history you might have.
The cost of public liability insurance varies based on several factors:
Level of cover
Cover level impacts costs, with £1 million being common for public liability, though some consultants require £5 million or more.
Nature of business
Consulting in high-risk sectors, such as construction or finance, may lead to higher premiums.
Location
Your location can influence costs; urban areas with higher claim rates might result in increased premiums.
Business size and turnover
Consultants with higher annual revenue might see increased premiums, as more clients and projects can increase risk exposure.
Number of employees
If you employ additional staff or subcontractors, your insurance may cost more due to the greater risk associated with their activities.
Claims history
Consultants with a clean claims history may benefit from lower premiums, while those with a history of claims might face higher costs.
Get a quote or advice
Please call us on 0345 222 6318 to get more information or to discuss your liability requirements. Alternatively, start the quote process and complete a quote form in a matter of minutes by clicking the button below.