Details and documents - HR consultants and training consultants insurance - Professional liability insurance

This section includes policy documents and wordings, with full details of the cover provided. Our policy protects you against claims for compensation from clients or from any other party as a result of your consultancy work. You would even be protected against a complaint or disciplinary action from a professional body, as our policy covers the costs of defending these proceedings.

You can find out more about our policy and the different options available to you below, along with copies of the main documents for this type of policy.

About our policy

Our policy for HR and training consultants is arranged with AXA Insurance plc, premiums start from £151. Preferential rates are available for members of a number of professional bodies.

Here's more information

• No excesses to pay if you claim
• You can work at any location in the world, provided you are based in the UK
• Specialist legal defence where necessary to defend a claim
• Includes cover for complaints and disciplinary action from professional bodies

Options available

Choose from £1m, £2m or £5m limit of indemnity

The main exclusions

The policy is designed to cover any civil liability arising from your business - but there are a few specific exclusions:

• Injuries to employees in the course of their employment with you (Employers’ Liability insurance can be arranged separately)
• Business risks such as contracts with suppliers or trading losses
• Any intentional act, unless this is part of the services you provide
• Liabilities which should be insured under other types of policy
• Any claim arising out of work for a business in which you have a controlling interest or for which you can make a major policy decision

Documents

• Professional liability insurance explained (PDF 29kb)

Read a simple explanation of professional liability cover.

If you would like to know more about our professional liability insurance for HR and training consultants, the documents below may prove helpful.

• Summary of cover (PDF 44kb)

A two-page summary of the main areas covered under the policy, as well as the main exclusions.

• Policy wording (PDF 84kb)

The cover provided by your policy in its entirety.

• Terms of business (PDF 84kb)

Regulatory information including our regulatory status, how we select your policy, and your rights should you take out cover.

For specific questions go to the frequently asked questions section.

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