Health and social care consultant insurance

Specialist cover for health and social care consultants from £5 a month*

  • Fast, easy online quote in 90 seconds

  • Interest free direct debit

  • No hidden fees or cancellation charges

Our specialist health and safety consultants insurance has been designed to provide tailored cover to protect your business against the unforeseen.

What is health and safety consultants insurance?

Health and safety consultant insurance protects your business should you accidentally cause injury or financial loss to a client. This can happen through negligence, a mistake, providing incorrect information or poor guidance via a risk assessment.

Health and safety consultants insurance protects you in the event of a claim should any of these instances occur. Markel Direct provides affordable cover, offering several different options to suit your specific requirements as a H&S consultant.

Why do health and safety consultants need insurance?

Assessing health and safety hazards doesn’t always go to plan. A poorly conducted risk assessment, damage caused to client property during a site visit or a break-in at your premises could cost your business thousands of pounds. Our insurance for health and safety consultants could cover you for such instances.

Our simple quote system will ask about your business operations and build a policy around them, offering 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 cover you want.

What insurance do I need as a health and safety consultant?

No role comes without its risks. H&S insurance can be tailored to protect your business against a number of scenarios, including:

  • Accidental damage and/or personal injury caused to a third party (public liability)
  • Professional negligence or poor advice (professional indemnity)
  • Injury or illness suffered by an employee as a result of their employment (employers' liability)

Arranging the right level of health & safety consultants insurance cover for you

Arranging insurance for health and safety 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.

How much does insurance for health and safety consultants cost?

At Markel Direct, we offer health and safety consultant insurance from £5 a month for £1 million worth of public liability cover*. When it comes to insurance, the cost varies from business to business depending on:

  • The size of your business - your turnover and whether you have any employees
  • The level of cover you choose
  • The types of projects you work on and the equipment you use

To get a clearer idea of how much you’ll pay, simply get a quote online. *Price based on a health and safety consultant requiring £1 million of public liability insurance.

Professional indemnity insurance for health and safety consultants

Professional indemnity insurance (or PI insurance) is a worthwhile consideration if you’re a health and safety 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 safety 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 safety consultant PI insurance depends on a number of factors including the size of your business, how many employees you have (if any), and more.

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Cover starting at £5 a month

Tailored cover for your health and social care consultancy

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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).

  • 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.

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Frequently asked questions

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Cover starting at £5 a month

Frequently asked questions

  • 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.

  • 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 0333 242 9716

  • 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.

  • 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.

  • 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 0330 822 3551 or get a quick quote online.

  • 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

Expect more from your insurer

Our policyholders receive access to these unique services designed to make your life easier (included as standard with certain covers).

24 hour legal helpline 24 hour legal advice helpline

When you insure with Markel, you'll benefit from 24/7 telephone access to a qualified solicitor at no additional cost. Expert legal advice can be costly when you're working for yourself and it's difficult to know who to turn to for a trustworthy answer. Whether it's a question on health and safety, employment law, legal structures for your business or how to handle a difficult client, an experienced team of solicitors are on hand day and night to help you with any business-related legal queries. Included as standard with all policies.

Legal hub access Markel Business Hub access

In addition to our 24 hour legal helpline, you'll have access to the Markel Business Hub - an award winning online resource of legal and business guides, templates and content written and created by our team of expert solicitors. Instantly download ready-made contracts, policies, procedures and guidance you can use for your business - without paying any expensive legal fees. Included as standard with all policies.

Fee dispute service

Customers don't always pay on time and chasing fees or invoices costs time and money. Mindful of the impact this has on your business, we offer our policyholders access to a unique fee dispute helpline operated by one of the UK's leading law firms, who will provide specialist legal guidance and support on fee dispute issues. Included as standard with professional indemnity insurance.

Discounted IR35 contract reviews

Falling within IR35 legislation - which determines that an individual is avoiding tax by using a limited company to disguise employment - is a huge concern for contractors and consultants, with the fees and penalties due to HMRC eye-wateringly high. Our policyholders receive an exclusive discount on IR35 contract reviews from Markel Tax (a Markel company), who have over 20 years experience advising individuals and businesses on their tax status. As part of the service, Markel Tax will review your contract, along with your working practices, to determine whether or not you are operating outside of IR35, and you'll receive a written report with suggested contract amendments where appropriate. Policyholders can access this service by calling 0345 223 2727 or emailing contractreviews@markel.com, quoting 'MKLD' and your policy number.

Public relations crisis management service

In today's 24 hour news culture, public relations disasters can occur at any time. Having to deal with the press whilst managing a difficult situation can be hugely stressful as well as being a potential minefield. When there is a risk to your business as a result of negative press attention, our specialist public relations crisis management firm, The Counsel House, will work with you to help manage allegations of fraud, injury caused to employees or the public, and official investigations into your company's affairs. Included as standard with professional indemnity insurance, directors and officers insurance, cyber and data risks insurance and legal representation and employment disputes insurance.

Cyber response helpline

If you're the victim of a targeted cyber attack, our cyber response helpline provides access to specialist solicitors and information security experts who will give expert legal and technical IT security guidance on the issues arising from cyber and data protection risks. Included as standard with cyber and data risks insurance.

Cover starting at £5 a month

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