Errors and omissions insurance for safety consultants

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Safety consultant insurance

Coverage to keep your business healthy and your reputation safe

Frustrating, isn’t it, when your safety advice sometimes falls on deaf ears? Because one thing’s for sure, if a client thinks you made a mistake, you’ll hear about it.

A negligence claim can hit your bottom line hard. It can damage your good name, too.

Luckily, there’s a way to keep your business healthy and your reputation safe: errors and omissions insurance for safety consultants.

  • Why do safety consultants need errors and omissions insurance?

    Because you offer a professional service. And that means your clients can sue you for negligence, whether you made a mistake or not.

    Say you did an OSHA compliance audit for a client. They ignore some of your recommendations and get slapped with a hefty government fine. What do you think happens next? Yeah, you guessed it: the client sues you.

    Now it wasn’t your fault, but you still have to defend yourself. And it’s not just the money that’ll cost you, it’s the time. Time which would be much better spent running your business.

    Even if a claim is groundless, errors and omissions insurance can hire you an attorney, pay your legal fees, and compensation, too, if necessary. Leaving you to get back to business, knowing you’ll still have one when it’s all over.

    Called E&O, for short, errors and omissions is also known as professional liability insurance. But what’s in a name? All that matters is it does the same thing – protects your name, your business, and your bottom line.

  • What does errors and omissions insurance for safety consultants cover?

    • Claims made against you for professional negligence, whether you’re at fault, or not
    • Claims arising from work you’ve done in the past
    • The cost of an attorney and your legal defense fees
    • Compensation, if you’re found liable
    • Claims made worldwide – so long as the claim is filed in the U.S., a U.S. Territory, or Canada
  • How much does safety consultant E&O insurance cost?

    Our errors and omissions policy for safety consultants start from $270 annually. Or spread the cost over four instalments. Whatever works for you. As for the amount of cover, it’s always best to over-estimate. Think worst-case scenario; just be sure to pick a figure you can sensibly afford.

  • What other kinds of insurance do safety consultants need?

    General liability insurance - if clients visit you, or you visit them, you need general liability insurance. It protects your safety consultancy from bodily and personal injury claims as well as damage to someone’s property.

    Cyber liability insurance – You need cyber insurance if you use email, own a website, or store client data. It can’t stop a cyber-attack, but it can pay your recovery costs so your business survives one.

    Business personal property – this policy is one you want if you take equipment like laptops and mobiles on-site with you and to meetings. It also covers the moveable stuff in your office – everything from your furniture to your potted plants.

    Workers’ compensation insurance – even if you only have one employee, most states require you to have this policy. It’s good to have anyway. It protects your business from the cost of workplace illness and injury claims which can be crippling.

    Business owner’s policy – a BOP, as this policy’s known for short, is a bundle of the basic policies a business owner needs, including general liability, cyber, property and business interruption insurance. You can tailor it to suit you, too -- just add in what you need and take out what you don’t. It works out cheaper than buying the policies separately, too.

    But because every safety consultancy is different, we can tailor an insurance package to suit you. What’s more, it’ll only take a few minutes.

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