Legal peace of mind through health & safety consultant professional insurance

With more and more companies keen to be in touch with regulation to avoid accidents and official fines, health and safety consultants play an increasingly important role in the British economy. Firms which are found to have not taken the proper advice can find the penalties severe, and so they may choose to hire outside experts. While with careful planning mistakes and disputes are rare, sometimes consultants can find themselves on the wrong end of a disagreement which ends with a client taking legal action because of an incident. This is why health & safety consultant professional insurance is something to consider for anyone operating in the sector.

Some legal claims which occur may be based on fact and foundation, while others will be launched out of desperation and be invalid. Nonetheless, no matter how you believe an official legal action to be, it will still need to be defended properly and this will often mean hiring legal help.

Health & safety consultant professional insurance, typically including professional indemnity insurance, can payout if a third party accuses you of making mistakes or errors in the services you have provided. For example, a factory may face a personal injury claim following an accident involving an employee. In certain circumstances they may blame a health and safety consultant they have hired in the past and seek to refer the case on to them or to try to recover what they have lost by accusing the consultant of neglecting their duties.

In such circumstances a professional indemnity policy would pay for the legal defence of the case and even for any compensation if it was awarded against the consultant. Policies often come with strict limits, meaning a company will not pay out for bills and compensation past this point, and this is often decided when the policy is taken out and can be specified by the purchaser. Of course, depending on the size of the business, protection totalling a few thousand pounds might be necessary, but for larger firms a limit of millions may be more appropriate.

Deals are also quite broad in some of the extra circumstances they would guard against, and pay out in the event somebody faces a claim that they or their employees have acted dishonestly, that they have lost important data or documents belonging to a client, or that they have unintentionally infringed intellectual property rights.

Health & safety consultant professional insurance can even protect somebody for a period after they have finished trading. Just because somebody has retired or changed jobs does not mean that they are invulnerable to legal action relating to something which happened in the past, and for this a run off cover element can be arranged.


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