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CDM Consultants Insurance

Protecting CDM professionals with public liability insurance from less than £55* per year

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Excellent 4.7 out of 5

Professional Saver Public Liability Insurance for CDM Consultants


Our standard cover is:

  • £1 million cover for public and products liability (with an option to increase to £2 million, £5 million or £10 million)
  • £10,000 cover for any financial loss (£50K cover optional)
  • Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

Construction sites can be complex places with numerous risks. As a Construction Design and Management consultant, you advise site managers to identify hazards, ensure contractor competence, and provide suitable welfare facilities. However, accidents can happen on chaotic project sites.

A contractor could trip on your equipment during an inspection. You may overlook a crucial factor while doing scaffolding checks, leading to a fall. Without insurance, you could face substantial costs if an incident leads to injury claims or compliance fines.

That’s why Professional Saver offers tailored cover to protect CDM consultants conducting critical inspections across the UK’s towering skyscrapers and sprawling building projects. Our policies provide a financial shield if your expertise fails to prevent harm. So you can focus fully on keeping sites safe, not insurance paperwork.

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Why choose Professional Saver cdm consultants insurance ?

Save £££ on your insurance Save on your insurance

Customers are always telling us how much they saved by switching

Trusted for over 40 years Trusted for over 40 years

We’ve been providing insurance to businesses since 1984

Financial Strength Financial Strength

Insurance provided by a Standard & Poor’s ‘AA- Stable’ rated insurer

Defaqto 5 Star rated

Our Professional Saver Insurance (Covea) has been independently rated 5 Stars by Defaqto – the highest possible rating, awarded to excellent products with a comprehensive range of features and benefits.

How our cdm consultants insurance works

1 Apply online

Complete our simple quote form with basic details about your business.

2 Get a quote

Get an instant quote & choose any optional covers you may need.

3 You’re insured!

Instantly activate your Professional Saver policy and view your certificates online.

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What is CDM Consultants Insurance?

CDM consultants insurance protects you if your safety advice leads to site accidents, injuries, fines or delays. It covers liability when:

  • Inspecting construction projects
  • Identifying site hazards
  • Creating risk assessments
  • Advising on method statements
  • Auditing welfare facilities
  • Reporting on compliance

Typical incidents covered include:

  • A contractor falling off scaffolding you audited
  • A worker getting electrocuted following your sign-off of electrical safety

Without insurance, such scenarios could leave you facing substantial payouts. Our cover shields your livelihood.

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Why CDM Consultants Need Liability Insurance

Construction firms rely on CDM inspectors like you to spot risks workers may miss in the pressures of demanding projects. However, hazards get overlooked. Your advice can also be ignored or misinterpreted by overstretched managers. And with lives at stake, a single incident can spark multi-million-pound injury claims or criminal prosecutions.

Our specialist liability policies provide total peace of mind that your insurer will deal with injury, damage or non-compliance claims caused by your consultation. We take on the financial burden so you can focus entirely on preventing site accidents.

What Our CDM Consultants Insurance Covers

Our CDM consultant policies protect against:

  • Public Liability – Up to £5 million cover for injury or property damage caused while inspecting sites. Whether it’s tripping over your bag or providing flawed scaffolding advice that leads to property damage, we shield your personal assets from compensation pay-outs.
  • Professional Indemnity (optional) – Up to £5 million cover if your specialist CDM advice leads directly to incidents, delays or non-compliance claims from construction firms facing fines and prosecution. You’re safeguarded even for small print oversight and interpretation errors.
  • Legal Expenses Insurance – £250,000 cover for legal advice plus representation costs if you face civil claims after a site incident involving your past inspections or safety recommendations. Legal specialists help defend your expertise.

We offer tiered cover levels tailored to your specific CDM duties and client risks. Fill out our simple online form to get your quote today.

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Who Can Benefit From CDM Consultants Insurance?

Whether a seasoned safety auditor or a freshly qualified inspector, our tailored policies are designed to protect:

  • Health and safety consultants advising builders
  • Construction quality inspectors assessing projects
  • Project safety managers creating risk strategies
  • Site compliance auditors reviewing welfare facilities
  • Building control officers inspecting drainage
  • Clerk of works inspecting foundations
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Chosen by over 5000 businesses and counting*

Chosen by over 18761 businesses and counting

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our professional cover starts from the date you select.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/10/2025

FAQs

CDM Consultants Insurance FAQs

Construction firms rely on CDM inspectors to advise on construction sites where oversights can lead to falls, electrocutions or worse. Without insurance, making just one small but critical error in your risk assessments or method statements could lead to substantial injury claim payouts. Our professional indemnity and public liability covers shield you in such scenarios.

We cover liability stemming from all typical CDM consultation services like:

  • Site layout, logistics and access route planning
  • Hazard spotting and detailed risk assessments
  • Safe work method statements
  • Manual handling and working at height procedures
  • Welfare facilities and first aid provisions
  • Contractor training and competence auditing
  • Compliance reporting and record keeping

Essentially, any accident or construction firm fine that emerges from your specialist advice across these CDM areas.

Yes. Our policies still protect you if you can prove that your clear CDM guidance was ignored or overridden by a site manager or contractor, and an incident later occurred as a result. We’ll support you fully in demonstrating you took reasonable steps to advise on and prevent the risks that ultimately led to the incident.

Typically, if you’re prosecuted under health and safety legislation for gross negligence or failing in your core CDM duties like not adequately identifying key risks, not requesting important contractor certificates or missing obvious non-compliant welfare facilities during site inspections. However, our legal expenses insurance would cover your representation in court.

Yes. Our policies can be extended to cover any temporary health and safety technicians, risk assessment assistants or hazard spotters you hire as extra help for large construction site assessments. This ensures total peace of mind for your business.

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