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Safety consultant insurance

Even a small slip up can cause a big problem. Protect your work, your bank balance and your reputation with safety consultant insurance.

Quote online and buy in minutes

Quote online and buy in minutes

Get my quote

Affordable insurance

Licensed advisors

No-obligation quote

Customized coverage

Safety consultant insurance

Even a small slip up can cause a big problem. Protect your work, your bank balance and your reputation with safety consultant insurance.

Quote online and buy in minutes

Get my quote

Affordable insurance

Licensed advisors

No-obligation quote

Customized coverage

Insurance for safety consultants

Frustrating, isn’t it, when your safety advice sometimes falls on deaf ears? Because one thing’s for sure, if something goes wrong, you’ll soon hear about it.

And legal claims don’t just hit your bottom line hard they can damage your reputation too.

Our advice? Put the safety of your business first. Protect your good name and your bank balance, with safety consultants’ insurance.

Essential cover for safety consultants

General liability insurance

From $87.50 a quarter

Takes care of medical expenses, your legal defense and compensation, too, if you're liable. Even if a claim is groundless.

Professional liability (errors & omissions) insurance

From $67.50 a quarter

If a client claims you've made a mistake and it's cost them, professional liability insurance can cover your legal costs and damages, if you're liable.

Buy general liability or professional liability insurance separately. Or, if you need both, buy them as a package. Fill out a short form and we’ll get back to you with our best quote in one working day.

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  • Why do safety consultants need general liability insurance?

    Your clients will most likely expect you to have a general liability policy in place before you start work for them. But it’s good to have if you visit a client’s place of work, or they visit you. Because you can be sued even if an accident wasn’t your fault.

    Medical care costs are rising and if a claim goes to court and gets drawn out, you’re looking at legal bills of 5 or 6 figures. Without insurance, how will you cover that?

    General liability insurance protects your business from the cost of claims for:

    • Injury to a person
    • Damage to someone’s property
    • Personal injury (slander or libel)

    Even if a case is groundless a general liability policy can pay for medical bills, your legal fees and compensation, too, if you’re liable.

  • What does general liability insurance for safety consultants cover?

    So long as the claim’s filed in the United States, its territories, or Canada, general liability insurance covers claims for:

    • Third-party bodily injury – a slip, trip, or fall can cost thousands in medical bills, even for injuries that seem to be minor.
    • Third-party property damage – paying for repairs or replacements from damage caused by you, your full-time, or temporary staff can mount up, even if it was accidental.
    • Personal injury – He said. She said. Whether anyone said anything at all, claims of slander or libel can seriously damage your reputation. And the defense costs can seriously dent your bank balance.

    Click here for a full summary of what’s covered.

  • How much does general liability insurance cost for safety consultants?

    General liability insurance typically costs around $350 a year. But the cost varies from business to business.

    It depends on:

    • The size of your business
    • Its location
    • Your payroll cost
    • Your annual business income
    • Your coverage limit

    The higher your limit (the amount your insurer will pay out claims during the policy period) the more your policy costs. So choose your limit carefully.

    Just remember that attorneys’ fees, compensation and court costs can go through the roof.

    Try to imagine the worst-case scenario, then pick a figure you can realistically afford.

    And remember there are quarterly payment options available too. So you can spread the cost of your policy to suit your budget.

  • Why do safety consultants need errors & 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 safety consultants’ errors and omissions insurance 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 errors and omissions insurance for safety consultants cost?

    Our errors and omissions policy for safety consultants start from $270 annually. Or spread the cost over four instalments. Whatever works best for you.

    As for the amount of cover you want, 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?

Business personal property insurance (BPP)

If you take equipment like laptops and mobiles to meetings, this policy is worth having. It also covers the portable stuff in your office - from your furniture to your potted plants.

More info

Business owner's policy (BOP)

Comes with general liability, property, and business equipment insurance as standard. Plus, a range of optional add-ons, including coverage for:

  • Equipment breakdown
  • Money transfer fraud
  • Electronic data loss.
More info

Cyber liability insurance

If you use email, own a website, or store client data, cyber insurance is a must. It can’t stop a cyber-attack, but it can pay your recovery costs so your business survives from one.

More info

Workers' compensation insurance

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

More info

Directors' and officers' insurance

D&O coverage protects you, your business, and your personal assets, from a wrongdoing claim. Even if it’s groundless. Because being on the board shouldn’t mean putting your savings and home at risk.

More info

Because we understand every business is different, we'll build an insurance package to suit your needs. In minutes.

To build the right insurance package for you call one of our licensed advisors today on 978.344.4215.

Prefer to talk?

For help, support or just a quick question, feel free to call me.

I'm Deniel - I'm here to help you Monday to Friday, 9am-5pm ET.

My direct line is 978 344 4229.


Deniel Fleming
Account Executive

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