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Professional Indemnity Insurance is a must-have for HR consultants, as it covers you if a client believes your advice was incorrect or negligent and has led to financial loss. Whether your advice led to incorrect procedure or mishandling employee data, this policy protects you from the legal consequences of any mistakes, providing cover for the legal representation and any compensation you may owe.
Public Liability Insurance covers the defence of legal disputes following third-party injuries or property damage caused by you while you're working. If you're on-site conducting workshops or in an office with clients and something goes wrong - like a slip and fall or damaged equipment - this policy will help cover the costs of claims against you.
If an illness or injury prevents you from working, Income Protection Insurance protects your financial security. Since HR consultants often work as independent professionals or small business owners, this policy helps you maintain a steady income while you recover, giving you the peace of mind to focus on your health.
Protect your business against allegations of negligence
Protect your business against allegations of third party injury & property damage
Protect your income in the event of long-term illness or injury
The cost of your insurance depends on factors like the type of work you do, your annual turnover, and the level of cover you need - every business is different. You’re in control of your policy, so you’ll only pay for the cover that’s right for you. Plus, with our price-match guarantee, if you find an equivalent policy cheaper elsewhere, we’ll do our best to match it. And for most trades, our premiums stay the same for turnovers up to £250,000 per year.
If you're a self-employed HR consultant, having your own insurance is highly recommended. It protects you in case of accidental damage, injuries, or even legal claims. Plus, it gives clients peace of mind, knowing they’re working with a responsible, professional service provider. So, while it's not always legally required, it's a smart investment that can safeguard both your finances and your reputation.
We’re trusted by over 100,000 small businesses just like yours, with a dedicated, UK-based team that’s always just a phone call away. Our customers have left over 5,000 independent reviews, earning us an outstanding Feefo rating of 4.8 out of 5. We make sure you only pay for the insurance you actually need, and we’ve kept our public liability premiums the same since 2017.
The amount of Professional Indemnity insurance you need depends on the nature of your work, the size of your projects, and client requirements. Some clients may specify a minimum level of cover in their contracts. Qdos’ Professional Indemnity Insurance offers limits of £1 million, £2 million, and £5 million for most business activities.
Yes, if your business structure changes, you'll need to cancel your current policy and set up a new one that properly covers your limited company. Give us a call at 0116 269 0999, and our team will take care of it for you.
No problem! Our policies include overseas coverage as standard, except for the US and Canada. However, before you get started, it’s best to check in with us so we can ensure that all the coverage you need is in place.
If you split your time between offshore and domestic work, we can cover you with a dual-trade insurance policy. Give our team a call at 0116 269 0999, and we’ll make sure you have the right protection in place.
Ask away! One of our team will get back to you