Professional indemnity cover built for HR consultants, covering the employment law advice and sensitive data that come with the work.
Professional indemnity cover built for HR consultants, covering the employment law advice and sensitive data that come with the work.
Tribunal claimsEmployee recordsClient site visits
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HR consultant insurance is a combination of covers built around advising clients on employment matters, professional indemnity for advice that causes a client a financial loss, employers’ liability if you have staff, and cyber cover for the sensitive employee data you handle.
If advice on a disciplinary, redundancy or dismissal turns out to be wrong, the client can face an employment tribunal claim, and could look to you for the cost.
The right HR consultant cover depends on:
Types of advice you giveWhether you visit client premisesHandling sensitive employee dataLevel of professional indemnity coverAnnual turnoverWhether you use subcontractors
Is this cover right for your work?
Is this cover right for your work?
This cover suits any business advising clients on HR or employment matters.
This cover suits any business advising clients on HR or employment matters.
Independent HR Consultants
Advising clients on a freelance basis.
HR Consultancy Firms
Teams supporting multiple clients.
Employment Law Advisers
Specialising in disciplinary and tribunal support.
Recruitment & HR Support
Combining HR advice with recruitment services.
HR Training Providers
Running sessions on client premises.
Outsourced HR Departments
Acting as a client’s ongoing HR function.
What could go wrong for an HR consultant?
What could go wrong for an HR consultant?
Most HR consultant claims come from dismissal advice leading to a tribunal claim, a flawed HR policy, or a breach involving sensitive employee records.
Most HR consultant claims come from dismissal advice leading to a tribunal claim, a flawed HR policy, or a breach involving sensitive employee records.
How could a claim affect your business?
How could a claim affect your business?
An employment tribunal claim can outweigh months of fee income for a small HR consultancy.
An employment tribunal claim can outweigh months of fee income for a small HR consultancy.
Wrong Advice
Dismissal advice leads to a tribunal claim against the client.
What cover may respond?
Professional Indemnity
Data Breach
Sensitive employee records you held are exposed.
What cover may respond?
Cyber Insurance
Training Injury
Someone is hurt during a session you’re running.
What cover may respond?
Public Liability
Staff Injury
An employee is injured at work.
What cover may respond?
Employers’ Liability
HR consultant insurance may be suitable if you advise clients on employment matters, whatever your specialism.
This cover may be suitable if you’re:
Advising on disciplinary or redundancy processesWriting HR policies for clientsRunning an outsourced HR functionWorking with a mix of long and short-term clientsUsing subcontractors or associatesEmploying consulting staffCover built around your work
Cover built around your work
Most HR consultants combine professional indemnity with cyber cover for sensitive employee data, plus public liability if they run sessions on client premises.
Most HR consultants combine professional indemnity with cyber cover for sensitive employee data, plus public liability if they run sessions on client premises.
Professional Indemnity
Protection if your advice leads to an employment tribunal claim against a client.
Cyber Insurance
Protects against costs following a breach of sensitive employee data.
Business Interruption
Potential protection for lost income if an insured event stops you working.
Business Equipment
Cover for eligible laptops, documents and office equipment.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Legal Expenses
Additional legal protection for contract and client disputes.
There’s no fixed price. Tribunal-related advice and access to sensitive employee data are the biggest factors for HR consultants.
Type of HR advice given
Tribunal-related advice can carry higher risk than general HR support.
Handling sensitive employee data
Access to employee records can affect your cyber premium.
Level of professional indemnity
Higher limits mean a higher premium.
Annual turnover
Higher turnover generally means a higher premium.
Number of staff
More employees increase your employers’ liability exposure.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get HR consultant insurance
How to get HR consultant insurance
Getting HR consultant insurance takes four steps: tell us about your work, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Getting HR consultant insurance takes four steps: tell us about your work, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Tell us about your work
The type of HR advice you give, and whether you have staff.
Choose your covers
Professional indemnity, cyber and any extras.
We compare specialist insurers
We search our panel of 20+ UK insurers.
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
HR consultant insurance guides
HR consultant insurance guides
Practical advice on cover, tribunals and staying protected.
Practical advice on cover, tribunals and staying protected.
Starting a Consultancy? 5 Insurance Mistakes UK Professionals Make in Year One
When launching a consultancy in the UK, it is easy to overlook the importance of arranging consultant and professional services insurance from the very beginning. Many professionals make avoidable mistakes during their first year of trading. These oversights could leave a business exposed to legal actions, financial losses, or reputational damage.
Why Professional Indemnity Insurance Alone Won’t Cover Your Consultancy
Running a consultancy business in the UK carries specific risks, whether offering marketing advice, IT services, finance support, or management consultancy. While professional indemnity insurance is often seen as essential, relying on it as the only form of cover could leave gaps in protection.
Why Smart Consultants Don’t Skip Insurance: Lessons from UK Claim Stories
Running a consultancy means offering advice, insights, or professional services. But even experienced consultants can face unexpected issues. A client misunderstanding, data breach, or service error could lead to serious financial problems. That is why arranging consultant and professional services insurance is something many UK businesses choose to do.
HR consultant insurance FAQs
HR consultant insurance FAQs
Straight answers on cover, tribunal risk and cost.
Straight answers on cover, tribunal risk and cost.
HR consultant insurance is a combination of covers built around advising clients on employment matters: professional indemnity for advice that causes a client a financial loss, employers’ liability if you have staff, and cyber cover for sensitive employee data.
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