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Our specialist health and safety consultants insurance has been designed to provide tailored cover for professionals who support organisations with guidance on care standards and compliance.
As a consultant, your advice may influence important decisions about vulnerable individuals, regulatory compliance, and operational practices. If a client believes your recommendations contributed to a poor outcome, a safeguarding concern, or a compliance failure, you could face allegations of negligence or professional error.
Our tailored insurance solutions help protect your consultancy from these challenges, providing financial and legal support, so that you can continue delivering expert guidance to care providers while safeguarding your business.
Cover at a glance:
- Insurance against the financial costs of giving bad advice or causing injury
- Package tailored to your unique needs
- No hidden fees or interest on monthly direct debits
- Legal expenses and occupational personal accident cover optional
What is health and social care consultant insurance?
Health and social care consultant insurance provides tailored protection for professionals who offer expert advice, assessments, training, or support within care environments. This type of cover is designed to address the unique risks that come with working in the sector, such as allegations of negligence, errors in judgement, safeguarding concerns, or disputes over the outcomes of your recommendations. It can also include protection for essential tools of your work, including laptops, documents, and sensitive client information.
Cover starting at
£5 a month*
*Based on a health and social care consultant requiring £1,000,000 public liability cover.
Why do I need health and social care consultant insurance?
Health and social care consultants often work in complex, high‑responsibility situations where their professional guidance can significantly influence the wellbeing of individuals and the decisions of organisations. Due to this, even a small mistake or misunderstanding can lead to complaints, claims, or regulatory scrutiny. Insurance can provide you with peace of mind, covering legal costs, compensation, and other expenses if a claim is made against you. Many care providers, local authorities, and commissioning bodies may also require consultants to hold appropriate insurance before taking on work, making it essential for protection and for meeting industry expectations and maintaining professional credibility.
Arranging the right level of health and social care consultants insurance cover for you
Arranging insurance for health and social care consultants has never been easier thanks to our online application process. Answer a few quick questions about you and your business and you'll receive an instant online quote. When purchased you will receive an instant proof of insurance document detailing the cover you hold.
Tailor your insurance policy to your business’ specific needs by choosing from a range of different covers. That means you don’t have to worry about paying for coverage you really don’t need.
Example policy documents
If you have an existing policy with us, please sign in to view your policy documents.
Below you will find examples of the documents provided.
Professional indemnity insurance for health and social care consultants
Professional indemnity insurance (or PI insurance) is a worthwhile consideration if you’re a health and social care consultant. Put simply, it’s there to protect you and your finances should a client take legal action against you. It could be that you made a mistake when providing health and safety advice to a client and their staff.
Without health and social care consultant professional indemnity insurance in place, you could find yourself having to pay for associated legal fees out of your own pocket, which could cause financial strain on your business.
The cost of health and social care consultant PI insurance depends on a number of factors including the size of your business, how many employees you have (if any), and more.
Tailored cover for your health and social care consultancy
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Professional indemnity insurance
Protect your business against potential financial loss due to allegations of negligence with professional indemnity insurance. This includes a client seeking legal action for providing them with incorrect health and safety advice that causes damage or loss. With coverage ranging anywhere from £50,000 all the way to £5m, you can have peace of mind that your reputation is protected.
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Public and product liability insurance
Public and product liability insurance protects your business against legal action sought against you should your work cause damage to third party property, or injury to a person. This is particularly important as legal fees can cost thousands of pounds alone, causing a significant financial blow to your business regardless of the outcome. We offer coverage from £1m to £5m.
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Employer’s liability insurance
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. If you employ other consultants in your business, you are likely to need this cover. Cover for £10m.
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Legal expenses insurance
Commercial legal expenses 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 for the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.
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Directors and officers insurance
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.
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Office insurance
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.
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Occupational personal accident insurance
Occupational personal accident insurance provides a weekly payment if you are unable to work due to temporary total disablement (subject to a 14-day deferment period) due to an accident at work, or when travelling to and from work. In the event of loss of limbs, sight, speech, hearing, permanent total disablement or death, a lump sum would be paid out. You should consider this cover if you would struggle to maintain an income following an accident that left you unable to work. Limits from £100/week to £500/week for temporary total disablement (£25k lump sum to £100k lump sum for permanent total disablement).
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Cyber and data risks insurance
Cyber insurance pays the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit following a cyber-attack. It also pays your legal defence costs and damages you are legally liable to pay to other parties. If you hold confidential information about your clients and their projects on computers and other internet connected devices, you should consider to this cover.
How it works
Choose the cover you require
Get a quote you need in minutes
Buy online or contact one of our advisors
How much does insurance for health and social care consultants cost?
The cost of health and social care consultant insurance can vary widely depending on several factors, including:
- The level of cover you choose
- Your claims history
- If you have any employees
Policies can be tailored to suit your specific needs, with coverage starting from £5 per month* at Markel Direct.
*Based on a health and social care consultant requiring £1,000,000 public liability cover.
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Frequently asked questions
These frequently asked questions are designed to help you and include questions relating to policy cover, pricing and ‘technical’ terms.
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Do you provide proof of cover for H&S insurance?
Yes. If you need professional indemnity insurance to secure a contract, when you purchase your policy with us, your documents are emailed to you instantly and include a dedicated 'Confirmation of Liability Insurance' document detailing the cover you have with us. This can be presented to agencies and clients as proof of cover.
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Is my past work covered?
We cover past work if you have held professional indemnity insurance uninterrupted prior to arranging your policy with us.
If there was a period of time where you did not have professional indemnity insurance in force (for example, you have never arranged professional indemnity insurance before, you chose not to renew a previous policy or you cancelled a previous policy at the end of a contract) we are unable to cover past work.
If you require further clarification, don't hesitate to call us on 0800 640 6600.
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What's the difference between professional indemnity and public liability?
Professional indemnity insurance covers against allegations of professional negligence. This means you would be covered if you made an error or mistake in a piece of work (such as a project or report) for a client.
Public liability insurance covers against allegations of injury or illness caused to third parties by your negligence. This includes many of the slips, trips and falls that are associated with personal injury claims. Public liability insurance also covers against damage to third party property – for example, if you were to damage a client-owned laptop or smartphone.
As they insure against different scenarios, it's important you consider arranging both types of cover to ensure you are properly protected.
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How much cover is right for my business?
Regulated industry bodies and many clients will need you to have arranged a minimum level of cover before awarding you work, so it's worth checking these figures before you arrange cover.
If it's the first time you have arranged cover, or you aren't sure of the specifics, think about the costs involved in putting right the mistakes in a worst-cast scenario. We offer a range of limits on insurance, so you're sure to find the right cover for your business.
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Why should I choose Markel Direct's Insurance
Markel Direct has over 25 years of experience insuring contractors, consultants and self-employed professionals. We insure over 200,000 micro businesses and are highly rated by our customers at Feefo.com.
We are a division of Markel International, a Lloyd’s of London market insurer that wrote gross premium totals of £2.4bn in 2023
To talk about your insurance requirements and better understand our cover, call us on 0800 640 6600 or get a quick quote online.
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How are Markel Direct regulated?
Markel Direct is a trading name of Markel International Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Find out more on the Financial Services Register.
We are a division of Markel International, a Lloyd’s of London market insurer that wrote gross premium totals of £2.4bn in 2023
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