Help & resources
Get guidance on things such as HR, Marketing and Legal.
Fast, easy online quote in 90 seconds
24hr legal advice helpline included
No hidden fees or cancellations
Our specialist insurance for HR consultants can protect your business against the unexpected.
HR consultants have a keen sense of how to help businesses look after people in their organisation. They can help to make processes more efficient, advise on complicated people management policies, and act as troubleshooters if any issues occur - but their work carries a risk. Whether it’s a challenge to professional advice given or simply an injury suffered from a trip or fall, HR consultants need the peace of mind insurance can offer.
By coming to us you can tap into more than 25 years of experience, with an award-winning team that understands the particular circumstances of contractors, freelancers, consultants and the self-employed.
Cover at a glance:
- Professional indemnity cover up to £5m
- Covers errors in employment advice and documentation
- Legal expenses and cyber cover available
- Suitable for freelance consultants and small firms
What is HR consultant insurance?
Our professional indemnity insurance for HR consultants has been designed to cover the specific risks associated with the HR and employment industry. Our insurance policies, also including public liability cover and employers’ liability insurance, have been designed to meet your contractual needs and the compliance requirements of the human resources industry, whilst offering comprehensive protection for your clients.
Cover starting at
£5 a month*
*From £5 a month based on Public Liability (including Products Liability) Insurance only.
Why do HR consultants need insurance?
HR consultants have a keen sense of how to help businesses look after the people within their organisation. They can help to make processes more efficient, advise on complicated people management policies, and act as troubleshooters if any issues occur. HR consultancy work comes with unique types of risk. Whether it’s a challenge to professional advice given or an injury suffered by an employee from a trip or fall, HR consultants need the peace of mind our business insurance offers.
How do I arrange insurance as a HR consultant?
Getting a quote is quick and easy. Just answer a few questions about your job and our system will show you all of the different types of cover you could benefit from. Then simply choose the cover you want and build a bespoke package that is perfect for your role as a HR consultant.
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.
HR consultant insurance includes the following types of covers
-
Professional indemnity insurance
Public liability and professional indemnity insurance give you help and support in cases where your work causes an illness or injury to a third party – or where your professional work or judgement is called into question. For HR consultants, this might mean:
- Compensation claims made by a client who tripped over a cable and suffered an injury while visiting your premises.
- Claims that you made a mistake with the advice you gave, or your work led a client to make an error that cost them money.
-
Employer’s liability insurance
Employer’s liability insurance is required by law for anyone who employs staff. This covers you if a worker suffers from an injury or illness while carrying out their work.
-
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 offers support if you are facing an allegation of professional negligence or you need to pay damages following a claim against your business.
-
Portable equipment and office insurance
Office insurance covers any office premises you have – including accidental damage to the buildings and contents while you are at work. Given the importance of the information held on devices such as laptops, computers and phones for HR consultants, this could be a vital part of your insurance package.
-
Occupational personal accident insurance
Occupational personal accident insurance is able to provide a weekly payment if you cannot work because of an injury suffered while you are carrying out the functions of your job as an HR consultant.
-
Cyber and data risks insurance
Cyber and data risks insurance can help to cover the cost of retrieving data and managing the aftermath of a data breach. This can be important for HR consultants who wish to protect the private data of their customers and clients.
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 HR consultant insurance cost?
At Markel Direct, HR consultants insurance starts at £8 per month, for £50,000 in professional indemnity coverage. The cost of your policy may change based on factors such as:
- Your business size, including turnover and whether you employ staff
- The amount of coverage you choose
- The types of projects you handle and the equipment involved
To find out how much you would pay, get a HR consultants’ insurance quote online. You can customise your insurance policy, so you only pay for the cover that you need.
Ready to build your quote?
Our simple quote process will help you to find the right business insurance for your individual needs.
Frequently asked questions
These frequently asked questions are designed to help you and include questions relating to policy cover, pricing and ‘technical’ terms.
-
What's the difference between professional indemnity and public liability?
Professional indemnity insurance for HR consultants is the part of your cover package that offers support if you are challenged for the work you carry out or the advice you have given. Public liability insurance, meanwhile, offers cover in case of any injuries or illnesses third parties suffer through your work.
-
Is my past work covered?
We are able to cover you for past work, provided you previously held an uninterrupted professional indemnity insurance policy. If you are unsure whether or not this applies to you, call us on 0800 640 6600.
-
What limit of cover should I choose?
This might be dictated by the requirements of professional bodies you wish to belong to. You should check their requirements before setting this.
-
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
Can't find the answer you are looking for? - Contact our experts
Access specialist business services as part of your policy cover.
As a specialist insurer of accountants and bookkeepers, we provide a range of useful services for you to access, included as standard with certain covers.
What is included:
Relevant News and Insights
Existing customer?
Whether you need to renew a policy, or modify an existing policy, or simply have a question, contact us.