Professional Indemnity for Care Consultants
Specialist Professional Indemnity insurance for those working as consultants in the care sector.
Insurance for care consultants
McClarrons has partnered with market-leading online business insurer, Markel Direct, to offer specialist Professional Indemnity insurance for consultants in the care sector. Markel Direct’s insurance policy has been built to protect care consultants against the unforeseen – from making a mistake in your work that results in your client losing money, to personal injury claims from third parties. Designed with care consultants in mind, you can tailor your cover to your needs and activities. The policy can also include additional, valuable elements of cover such as Public Liability and Directors & Officers Liability.
What insurance should care consultants consider?
Professional Indemnity insurance
Professional Indemnity (PI) insurance protects you against allegations of mistakes made when providing professional services or advice to your clients. Many clients will require you to have PI insurance in place before you can even start work with them. This cover is useful should a client claim against you for costs incurred relating to your work, due to a mistake you have made or for providing inaccurate advice, for example. Equally, the advice you provide may be accurate but could lead to other areas of service provision slipping and the client suffering a reduced CQC rating, for example; the client could then look to recover their losses from you. Contact Us
Public Liability insurance
Public Liability (PL) insurance protects you against allegations of injuring someone because of your work or causing damage to third party property. Similar to professional indemnity insurance, clients will often ask for proof you hold Public Liability insurance before you can start work. Public Liability insurance can help in circumstances such as someone tripping over your laptop cable and injuring themselves so they are unable to work and claiming against you for their losses, or you accidentally causing damage to property whilst on site, like by spilling coffee on a care manager’s laptop, which they may claim reimbursement from you for. Contact Us
Directors & Officers Liability insurance
Directors & Officers (D&O) Liability insurance protects you as a Limited company director or officer. If you, as a director or manager, are held personally liable for poor decisions, advice or mismanagement (amongst other breaches), even if it was not intentional, a personal claim could be brought against you putting your personal assets at risk. In such a situation, this insurance can step in to protect you and your personal assets. Contact Us
Ready to protect your business?
Additional optional covers for care consultants
Protecting your laptop, smartphone and other equipment you may use for your work.
Supporting you in the event you are accidentally injured at work.
Protection for any employees you may have responsibility for, in the event they have an accident in the course of their work.
Helping you with recovery and costs if you are the victim of a targeted cyber attack.
This provides cover for legal costs and expenses incurred during disputes or legal action from contract disputes, tax investigations and more.
Why insure with Markel Direct through McClarrons?
Through many years of working in the care and social welfare sector and working closely with one of our McClarrons Care Network partners – The CIA Group – who provide care consultancy services, we have built a solid understanding of the risks care consultants face in doing their work. In addition to this, Markel Direct has over 25 years’ experience providing insurance to contractors, consultants and freelancers, so are well-placed to address the risks you are exposed to. With cover starting from just £5 per month*, it is worth exploring your options by clicking the button below.
*Price based on a care consultant requiring £1million of PL insurance.
Care Consultants Insurance Claims
If a claim arises from the advice or services you provide, having expert support can be invaluable. Our in-house Claims Team can work alongside you to manage claims relating to professional indemnity, liability or contractual disputes.
Our team understand the potential impact that allegations of errors, omissions or negligence can have on your reputation and business. Acting on your behalf, we can liaise with insurers, legal professionals and third parties to help ensure your claim is presented clearly and handled efficiently.
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You can start your quote enquiry by clicking the “Get a Quote” button below.
Frequently asked questions
This type of insurance protects consultants against claims of negligence, errors, or omissions made by clients so is a well worthwhile cover for any consultant to have in place; it covers legal costs and any compensation that may be required to rectify the mistake. Having professional indemnity insurance ensures that consultants can operate with peace of mind, knowing they are protected against potential financial losses and reputational damage arising from their professional services.
As a consultant, you may wish to consider the below insurances, as a minimum:
Professional Indemnity Insurance: Protects against claims of negligence, errors, or omissions made by clients, covering legal costs and compensation.
Public Liability Insurance: Covers claims for injury or property damage resulting from your business activities, including incidents at your premises or client sites.
Directors & Officers (D&O) Insurance: Safeguards the personal assets of directors and officers against legal actions due to mismanagement, breach of duty, or non-compliance.
Your employer may cover professional indemnity insurance, but it depends on the company’s policies and the nature of your employment. It’s important to check with your employer to understand if you are covered under their professional indemnity insurance policy. If not, you may need to obtain your own coverage to ensure you are protected against claims of negligence, errors, or omissions in your professional work.
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