Environmental consultants' insurance

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Insurance for environmental consultants
Insurance for environmental consultants
Insurance for environmental consultants
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What is environmental consultant insurance?

Environmental consultant insurance isn’t a single thing. Several insurance products usually combine to meet your insurance needs.

Environmental consultants will typically require professional indemnity insurance. Public liability will be necessary if you work in spaces exposed to the public. Commercial legal expenses are also essential, so we include them as standard. Consider electronic business equipment insurance if you use expensive electronic gear for your work.

How much does environmental consultant insurance cost?

Environmental consultant professional indemnity insurance starts at £8.89 per month. Pricing varies depending on selected limits, additional cover and business size.

Self employed professional indemnity insurance
Professional indemnity

from £7.67 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £8.89 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £9.54 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £20.41 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £22.78 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Included
Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£7.00 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

Chezza
on Trustpilot
14 February
Great!

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

Mokolada
on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
In detail

Why do environmental consultants need insurance?

Legal claims for compensation

Environmental consultants advise and guide clients who wish to comply with regulations and sometimes base their business USP on their approach to environmental issues. Failure to meet expectations could result in a compensation claim against you.

Reputation and financial risks

A client’s accusation of wrongdoing is more than a spot of bother. It’s costly without the proper legal insurance cover, and without the correct handling, it can damage your business's future.

Accusations of causing property loss or damage

As an environmental consultant, you may be granted access to restricted areas of your client's business. If you forget to lock a door properly or knock over expensive equipment, you could be asked to pay for the damages or possible theft.

Contractual disputes and unpaid invoices

Self-employed environmental consultants are at risk of unpaid invoices or contract disputes, just like any other business. Clawing back what you’ve earned can be time-consuming and costly without the right help.

Professional indemnity insurance for environmental consultants

A critical cover for self-employed environmental consultants is professional indemnity insurance.

Environmental consultants provide guidance and suggest solutions for your client’s businesses, and professional indemnity will offer legal protection should you be accused of making a mistake or negligence.

Professional indemnity insurance can be a cost-effective solution for environmental consultatns who face potential exposures. The coverage can provide protection against high costs that may arise if you need to defend yourself.

What does environmental consultant professional indemnity insurance cover?

Professional indemnity insurance protects environmental consultants from claims or accusations of wrongdoing from their professional advice or work product.

Cover includes:

  • Failing your duty of care
  • Making a mistake
  • Acting negligently
  • Giving the wrong advice or recommendation

For example:

  • Your client claims your advice put their business at risk by not complying with rules and regulations.
  • You’re being held liable for financial losses of your client’s company following the implementation of your recommendations.

What professional indemnity limit do environmental consultants and agencies need?

When deciding on your professional indemnity limit, it's important to take into account your business activities. Factors such as the value of your client contracts, your contractual obligations, and potential financial consequences if your advice or recommendations are incorrect should be considered. This will help you determine the appropriate limit for your needs.

Switching your professional indemnity insurance

Typically, in the UK, if you cancel a professional indemnity policy, you can no longer claim against it.

Therefore, if you switch your environmental consultant insurance provider, be sure your new policy covers your past work; this is called “retroactive cover”.

Should I keep professional indemnity insurance if I finish environmental consulting?

It’s wise to keep your professional indemnity if you close your environmental consulting business. Claims against professional misconduct can surface months or years after you delivered the work. 

If a past client sues you for damages and you have cancelled your professional indemnity, you will not be covered.

How long you keep your cover in place is up to you; consider the type of work you did and the likelihood that a client might bring a claim against you. 

Public liability insurance for environmental consultants

Public liability insurance shields environmental consultants from claims of injuries or property damage.

Public liability insurance is essential if you are physically involved in your client’s businesses, having regular meetings, inspecting your client’s premises operations, dealing with their staff, or working in spaces exposed to the public.

It will protect you from claims of causing injury or property damage. This is usually a low risk for consultants who don’t offer manual services. But unfortunate accidents do happen, and public liability insurance for environmental consultants is an inexpensive peace of mind.

What does environmental consultant public liability insurance cover?

Public liability insurance is valuable when faced with injury claims and compensation demands.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example:

  • You may accidentally damage your client’s expensive piece of equipment while on a site visit
  • While working with the client’s staff, an accident of a spilt drink caused personal property damage. 

Other insurance environmental consultants buy

The insurance requirements for environmental agents vary based on individual circumstances. It is important to consider factors such as ability to handle tax or legal disputes, dependence on costly computer equipment for income, and options for covering business expenses in the event of illness. Additionally, the presence of employees should also be taken into account.

Commercial legal expenses insurance

Most commercial legal expenses insurance will protect environmental consultants against various tax and legal issues you may encounter due to your profession, which are not picked up by professional indemnity or public liability.

At Suited, we combined £100,000 of commercial legal expenses insurance with helplines and other tools to better assist environmental consultants in dealing with these issues. We call this Business Legal Protect, and it’s part of your subscription.

Business Legal Protect offers qualified advice and assistance with:

  • Legal and tax matters concerning your business
  • Criminal prosecution
  • Compliance & regulation issues
  • Help with unpaid invoices (over £200)

For example 

  • HMRC investigations into your tax affairs
  • You need legal help chasing a client with a significant unpaid invoice.
  • You wish to take a business partner or client to court over a breach of contract.
  • You required guidance on compliance or regulatory issues for your business.

Electronic business equipment insurance

Nowadays, environmental consultants heavily rely on electronic equipment to provide their services. If your business is dependent on electronic equipment, it would be wise to consider getting electronic business equipment insurance.

Employers’ liability insurance

According to the law, if you employ individuals, whether full-time, part-time, contractors, or volunteers, it is mandatory to have employer's liability insurance.

This coverage is in place to provide protection for both you as the employer and your employees in case of any work-related injuries or illnesses.

Environmental consultants we insure

Suited offers comprehensive insurance policies that cater to the needs of a wide range of environmental consultants, including:

  • Ecology consultants
  • Environmental consultants
  • Environmental health consultants
  • Environmental health officers
  • Sustainability consultants
  • and more..

Shopping for environmental consultant liability insurance

Whether or not you decide to use Suited environmental consultant insurance to protect your business, it’s worth keeping the following in mind:

Cheap environmental consultant insurance

When you're selecting environmental consultant insurance, it's important to consider more than just the cost. You deserve a dependable provider that puts your mind at ease. Suited delivers swift responses and multiple communication channels to provide the security you need.

The reputation of the insurer is important

At Suited, we know that having insurance coverage when you need it the most is crucial. We work only with financially stable insurers who possess an excellent reputation for paying out claims, with an A+ rating.

Many providers charge fees to amend or cancel

Some insurers may have low initial prices, but they may charge hidden fees for monthly payments or policy changes. At Suited, we don't have any additional fees, and you can cancel your policy anytime without incurring any extra costs.

Some policy wordings are restrictive or have a high excess

Other providers may offer lower rates, but they may not provide sufficient coverage. Our professional indemnity and public liability policies at Suited have no excess fees, ensuring you have complete coverage in case of any unexpected occurrences.

In this section
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FAQs

Common questions

What is environmental consultant insurance?

There isn’t a product called environmental consultant insurance. Environmental consultants, depending on their business activities, may need one or more insurance covers to protect themselves against certain risks that their profession brings.

What should insurance for environmental consultants policy include?

Environmental consultants are hired to provide their expertise to solve a business problem. As such professional indemnity is a key cover. Public liability may be needed if there’s regular contact with the client’s personnel and property. If you rely on certain equipment to do your job, such as a laptop or computer, business equipment insurance may be useful to deal with repair or replacement costs.

How does insurance for environmental consultants help?

The legal covers offer legal advice and defence when a claim is made against you. Both professional indemnity and public liability will also pay compensation when due.

Who needs environmental consultants insurance?

Any contractor or self employed environmental consultant is likely to be in need of liability insurance. Delivering your expertise to a third party exposes you to a risk of being sued.

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Professional liability insurance for environmental consultants
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