HR & Training Consultants Insurance

Bespoke liability packages for HR personnel and training consultants. It includes bespoke policy features and discounts for members of professional bodies.

We offer tailored liability insurance to suit your individual needs as well as ongoing risk management advice and a 24 hour legal advice helpline to all our customers. 

0330 123 5810
0330 123 5810 Weekdays 8.30am - 5.30pm
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Features

HR & Training Features

Choose from limits between £1m and £5m for a variety of liability covers including:

  • Public liability
  • Professional indemnity
  • Product liability
  • Libel and Slander
  • Covers you to work anywhere in the world including from:
    • Client’s property
    • Rented practice room
    • From your own home*
    • Electronically via internet call or conference i.e. Skype
    • Via the telephone
  • Specialist legal defence where necessary to defend a claim
  • Includes a 24 hour legal helpline for individual policy holders

Optional extras

*Home business insurance – Do you practice from home or have an office? You may be required to up-date your home insurance policy to account for the extra activity. We can provide specialist home insurance for consultants or advise you of your options, in addition to your professional liability policy as required.

Employers’ liability cover – Do you have employees? Employer’s liability insurance is a legal requirement and is designed to protect your staff for injury or loss whilst performing their job. We can include this cover simply and easily.

Training extension - Available for an additional £52.50 if you train others in consultancy.

Member of a professional body?

Many professionals can receive preferential rates as members of a professional body. Let your advisor know which organisations you are a member of and see what discounts you could receive.

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.

To find out more about PCL and direct debit payments, select Direct Debit.

*To understand more about how PCL work together with Towergate, please read our Regulatory Information.

Exclusions

HR & Training 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

Exclusions will change depending on your profession and your advisor will take you through these during the quotation process. This list of exclusions is a summary and is not a full list of all exclusions that may apply.

FAQs

HR & Training FAQs

Does it matter how many clients I see weekly/monthly etc?

No, we do not need to know how many clients you will be seeing throughout the policy year.

Can I work from home?

We can provide cover for you to work from home automatically within the policy, however we need to make you aware that if anything was to get damaged within the home then this will come under the home insurance and so you will need to let your home insurers know.

Do you need to see my qualifications?

We do not need to see a copy of these. We will insure you on the upmost faith that you have experience and qualifications in the area that you would like to be insured for. If a claim was made against you this may be when we would need to see evidence of this.

Do you cover long distance Learning Courses?

Yes, we do not specify how much experience you have in the area or where you studied.

Is there an age limit?

No, we do not specify the age.

Can I pay monthly?

Yes we have monthly direct debit options, please call to discuss.

Can I work with animals?

Yes we can cover work with both animals and humans, please call to discuss.

Can I work overseas?

Yes we can provide cover for you to work outside of the UK as long as you live and are based in the UK and do not have any assets in the country you would like to work in, for example a house. As it is a UK policy if a claim was made for the work you have done in another country we would then need to bring the claim back to the UK to go through UK courts. If you had a house in the country for example, they would then try to take monies from your assets to protect the claim.

Claims

HR & Training Claims Promise

If circumstances have arisen that could lead to a potential case being brought against you, we’re here to help. There are no difficult forms to fill in, just friendly and professional advisors to help you through the process.

What do I need to do?

  • Contact us directly as soon as an incident arises.
  • Record any communication and store any documents relating to the claim.
  • Avoid prejudicing the outcome of the claim, do not speak to the claimant or their representatives without seeking legal advice.

The situation may not lead to a claim

But it’s important you tell us anyway. We might be able to offer advice or at least put your mind at rest. Doing so will not prejudice your policy in any way but will allow us to going through your options and avoid inadvertently making any situation worse.

Our aim is to make the process as smooth as possible, with your business and reputation at stake we want to help you minimise and move past any case as quickly as possible.

0330 123 5810
0330 123 5810 Weekdays 8.30am - 5.30pm
Get a quote Request a callback

Request a callback

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