Health and Safety Consultant Insurance

OH&S/Health and Safety Consultant Insurance

Why insurance matters

Health and safety consultants are engaged by businesses to assist them review their internal safety rules and procedures. Health and safety consultants do risk assessments, create policies and procedures, and also teach the staff best practices.

Their end goal is to create and maintain a safe and healthy work environment for the workplace and employees, and to also assist their clients comply with the relevant laws and regulations.

Insurance for a Health and Safety Consultant is important because if their professional services that they provide are incorrect, or results in a financial or physical loss to a third party, the costs could be astronomical. Insurance provides financial protection for you in the event something goes wrong.

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Activities of a health and safety consultant that could be covered by adequate insurance cover.

  • Conducting health and safety audits
  • Conducting  inspections
  • Onsite visits
  • Identifiying hazards
  • Assess Compliance
  • Review relevant regulations
  • Providing advice on relevant regulations
  • Provide advice on industry standards
  • Create health and saferty policies and procedures
  • Tailoring and updating existing policies and procedures
  • Training in health and safety topics for example; how to prevent accidents
  • Provide advice on what to do in the event of an accident
  • Review incident reports and provide advice on how things could have been done better next time
  • Supporting the business during work place health and safety investigations

Third Party Property Damage

Public Liability Insurance will pay property damage that you’ve caused in connection to your business. As an example for a health and safety consultant, you could damage equipment whilst on site doing an audit. Your client could request that you pay for the damages, in which your public liability insurance policy would look to respond.

Third Party Personal Injury

Public Liability Insurance will protect your business from claims brought against you for injury where you’re negligent or liable.  It can pay for the medical expenses, time off work, and compensation claim if someone is injured. It will also pay for the legal and defence costs incurred.

What does Professional Indemnity cover?

Professional Indemnity Insurance can protect Health and Safety consultants from the financial implication if a claim was brought against them for events such as; recommendations failing to identify hazards, being inadequate, failure to implement safety measures

Failing to identify hazards

Incorrect, inadequate advice

How Morgan Insurance Brokers can help

Morgan Insurance Brokers has a wealth of experience in insuring Health and Safety Consultants and understands the risks and exposures that they face. We have access to a large panel of providers so you can rest easy that your business is adequately covered with our sound advice.

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