If you operate as a safety consultant—whether providing risk assessments, compliance audits, workplace safety services or health & safety advice—you face distinct exposures. A single error, omission or piece of advice incorrectly applied can trigger a costly claim involving client losses, property damage or liability.
At Fraser Bond we support professionals in the safety consulting field (as well as property owners who engage them) to ensure appropriate insurance is in place that protects both the consultant and the property or business clients in London and the UK.
Insurance for safety or health & safety consultants is a tailored insurance portfolio covering the specific risk profile of consultancy in this field. Key cover types include:
Professional Indemnity (PI) Insurance – Essential for consultants who give advice, draft policies or audit risk. This covers you if a client claims your advice or service caused them financial loss.
Public Liability Insurance – Covers third-party injury or property damage arising from your business operations (e.g., site visits).
Employers’ Liability Insurance – Legally required in the UK if you employ staff (even part-time or contract assistants).
Business Equipment & Contents Cover – For your laptops, tablets, tools used on site.
Cyber/Data Liability Cover – If you handle sensitive client data or produce reports that are stored/communicated digitally, this risk is real.
Together, these cover the main exposures for a safety consultant. Without them, your business and personal assets could be at risk.
Working as a safety consultant in London—or providing services tied to property, buildings, estates, contractors or landlords—brings heightened risk:
You may inspect large or complex property sites, where a mistake could cause major injury or property damage, leading to large claims.
Property-owners and landlords often require proof of consultants’ insurance to satisfy service-contracts, lease clauses or compliance audits.
If your advice impacts tenant safety, fire risk, regulatory compliance or property management, the liability can be significant.
For example, giving outdated or incorrect advice, missing a hazard, or being held responsible for a property incident, could result in legal action or large compensation demands.
Insurance therefore not only protects you as consultant, but enhances trust and contract-readiness in London’s demanding property and business market.
Here are some benchmarks and what you should review when selecting a policy:
Professional Indemnity cover: Many UK insurers for safety consultants offer limits from £100,000 up to £5 million.
Public Liability cover: Common limits are from £1 million upwards (some policies go to £5m or £10m), especially for consultants visiting client sites.
Premiums: Some quotes start very modestly (e.g., from ~£8 per month for PI for safety consultants) depending on scope and risk.
Cost drivers: Factors affecting your premium include turnover, the size/value of client contracts, whether you do site-visits, your claims history, the breadth of your services (only advice vs site inspections), whether you employ staff.
Key policy features:
Retroactive cover – ensures past consultancy work is covered.
Jurisdiction/territory – where you work and in which legal jurisdiction your clients might bring a claim.
Exclusions and endorsements – understand what is not covered (e.g., criminal acts, fraudulent acts, certain territories).
Policy wording – especially the definition of “professional services”, “consultancy”, “advice”, and how your scope is described.
Fraser Bond recommends this approach for safety consultants:
Define your consultancy services – Are you purely giving advice/remediation, or also doing on-site assessments, audits, physical inspections, working at height, in property or construction contexts? The broader the scope, the greater the exposure.
Check contractual/client obligations – Many clients (particularly in property or landlord/tenant services) will require you to hold minimum levels of PI and/or public liability cover to be accepted as their consultant.
Select appropriate limits – Match limits to your work size, the value of contracts, and the risk your advice could cause. If you work for large landlords or estates in London, consider higher limits.
Ensure policy wording covers your work – Make sure “health & safety consultancy” or “safety consultancy” is included; if you do specialised services (fire risk, asbestos, workplaces at height) all should be declared.
Include public liability if you attend sites – Even if you think you only give advice, site attendance brings property damage/injury risk to others.
Ensure retroactive cover – If you’ve done consultancy before taking the policy, you want cover for past work.
Review annually – As you take on larger contracts, diversify services or employ staff, your insurance cover must evolve.
Work with property-aware advisers – If your consultancy interacts with property owners, landlords, managing agents, it’s beneficial to get insurance advice that understands both consultancy risk and property exposure (as Fraser Bond provides).
Fraser Bond offers expert advisory services that link consultancy insurance with property and business risk. Our value for safety consultants includes:
Understanding how your consultancy work intersects with property operations, asset-management and compliance in London.
Helping you review insurance quotes, policy wording and ensure cover matches your contract and liability profile.
Assisting property clients (landlords, managing agents) vetting their consultants’ insurance and ensuring the chain of risk is covered.
Giving you clarity on how insurance fits into your business strategy, growth plan and client-contract readiness.
By working with Fraser Bond, safety consultants gain not only cover, but confidence that their insurance aligns with the demands of London’s business and property sectors.
Ensure your safety consultancy business is protected with the right insurance cover.
Visit FraserBond.com or contact our London advisory team for tailored guidance on insurance for safety consultants, professional indemnity, public liability and how to align your cover with your clients and property exposure.
