Electrical and lighting consultants insurance
Our specialist insurance offers expert cover against a wide range of risks facing electrical and lighting consultancy professions.
A mistake in a lighting plan design, damage caused to a client’s property during a consultation or a fire at your offices could cost your business thousand of pounds. Our electrical and lighting consultants insurance can be tailored to cover your business against these risks and many more.
Tailoring your electrical and lighting consultants insurance online is quick and easy, and we can insure you in minutes. Our simple quote system asks about your business activities and offers you covers that may be of interest. You can choose to buy all or just some of the covers quoted, so you will only ever pay for the insurance you need.
Tailor your lighting consultants insurance online with these covers
Professional indemnity insurance
covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and if unsuccessful, the cost of damages awarded against you. This cover is vital for landscape architects and garden design professionals, and insurance is available with limits ranging from £100,000 to £5m.
Public and product liability insurance
covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products. The legal fees alone could cost your business thousands of pounds. If you visit client premises during consultations, this cover is essential. Limits range from £1m to £5m.
Employer’s liability insurance is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment. Cover for £10m.
Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.
Office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property.
We also offer specialist cover for home based lighting consultants
In addition to our ‘office based’ insurance policy, we also offer a specialist policy designed for home based electrical and lighting consultants. Home insurance policies rarely include cover for your business, so if you were to make a mistake in your work and your client took legal action, you could be left exposed. Our homeworkers insurance can be tailored to cover your business against such a risk.
A range of liability covers are available for homeworkers, as well as the option to insure vital business equipment against theft, loss, damage and other risks.
Cover is available from as little as £5/month with the option to spread the cost of your policy over 10 interest free instalments.