Churchill is no longer offering Tradesperson and Professionals Insurance.
If you need Tradesperson or Professionals Insurance, you can get a quote from our friends at Direct Line.
Direct Line and Churchill are both underwritten by U K Insurance Limited.
If you already have a Churchill tradesperson or professionals insurance policy, check out our answers to some common questions for more information.
Consultants insurance
£1 million Public Liability Insurance included as standard.
Reasons to get Consultants Insurance
- £1 million Public Liability Cover as standard, you can increase it up to £10 million
- Up to £10,000 cover for your valuable tools and business equipment
- Cover for your staff with up to £10 Employers' Liability Insurance
- Make your policy work for you with a range of optional extras
- Specialist claims handlers will guide you through making a claim
- Access to a 24-hour legal advice line
- Personal accident cover up to £50,000
What is Consultants Insurance?
When you work closely with your clients and meet up with them on a regular basis, it’s important to make sure you’re covered against accidents.
For example, spilling coffee on an expensive piece of hardware in a customer’s office while you're out and about on business could lead to a claim for compensation.
If you’re found legally liable for injury or property damage following an accident, Public Liability Insurance for consultants can cover the cost of the claim (subject to the policy limit you choose).
A standard Consultants Insurance policy comes with £1 million public liability cover included.
You can tailor your insurance to suit the unique needs of your business and only pay for the cover you need.
What does Consultants Insurance cover?
Business Insurance for consultants starts with standard Public Liability cover, and you can add a range of optional extras to tailor your policy to exactly what you need.
Public Liability Insurance
Public Liability Insurance isn’t legally required, but it gives you peace of mind when you’re working with clients at their homes or in your office.
Having Public Liability Insurance means you’re covered if you or a client injures themselves while visiting your home or office. It also gives you cover if you accidentally damage a client’s property while you’re visiting them for business purposes.
Public Liability Insurance offers you up to £1 million of cover as standard, with the option of increasing it to up to £10 million.
Find out more about Public Liability Insurance
Employers’ Liability Insurance
Employers' Liability Insurance is a legal requirement under the Employers’ Liability Act 1969 if you employ staff or apprentices.
It covers you if one of your employees is injured or becomes ill while they’re working for your business.
Employers' Liability Insurance is provided as standard if you have employees.
Find out more about Employer’s Liability Insurance
Professional Indemnity Insurance
Professional Indemnity Insurance covers your compensation and legal fees if a client accuses you of providing inadequate advice or services and makes a claim against you or your business.
For example, emailing sensitive information to the wrong contact isn’t a mistake you’ll make very often, but it could result in legal action against you.
Professional indemnity insurance is important if you offer professional services to a client and they believe your advice caused them to lose money or suffer reputational damage.
You can add up to £5 million Professional Indemnity Insurance to your Consultants Insurance policy as an optional extra.
Find out more about Professional Indemnity Insurance
Tools and business equipment cover
How would you cope without the tools of your trade?
You can cover your valuable tools and business equipment up to £10,000 as an optional extra for added peace of mind.
Tools cover includes mobile phones and laptops.
Don’t forget your van
Do you use a van for business?
Get cover for your van if you use it to carry your tools and equipment to work.
Find out more about Van Insurance
Churchill van insurance is arranged and administered by our partner Brightside Insurance Services ltd
Make your policy work for you
Tailor your cover with these optional extras
Public Liability Cover up to £10 million
Cover against claims for injury or property damage by clients or members of the public. You can increase your standard cover to up to £10 million.
Professional Indemnity Cover
Up to £5 million of cover for compensation and legal fees if a client accuses you of providing inadequate advice, services, or design and makes a claim against you or your business.
Tools and Business Equipment Cover
You can cover your valuable tools and business equipment up to £10,000 for added peace of mind. Tools cover includes mobile phones and laptops.
Business Stock Cover
Up to £25,000 cover if your business stock is damaged or stolen.
Personal Accident Cover
Insure named people in your business, aged 16-75, against personal accidents. Add death benefit up to £50,000 (weekly benefits up to £250).
Get into the detail
Policy documents
You can read our Professionals policy documents below.
These are standard documents that might be different to the ones you received when you took out your policy.
Log in to your account to find your individual policy documents.
Policy documents for policies starting before 23 August 2023
Policy documents for policies starting 23 August 2023
Frequently asked questions
Although Business Insurance isn’t a legal requirement, it covers you against a range of risks you may have to deal with yourself if you’re not insured.
For example, compensation claims for injuries or property damage. It also shows potential clients that you’re a reliable, professional tradesman and some larger companies won’t hire you if you’re not covered.
You do if you employ anyone to work for you, including apprentices, because it’s a legal requirement. If you’re a sole trader and you don’t have anyone working for you, there’s no need to have Employers’ Liability cover.
You can add Employer’s Liability cover to your policy at any time if you do take someone on. Just give us a call, and we’ll get it sorted.
Need some help?
Visit our help and support page for answers to common questions or to contact us if you want to talk to someone.