Protecting food safety professionals from less than £55* per year
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Get a QuoteOur standard cover is:
Food safety consultant insurance covers advice that regulators act on. A HACCP plan that missed a hazard, an audit that passed a kitchen the EHO later closed, hygiene training that didn’t stick before an inspection: when a client’s food business gets shut down, prosecuted or blamed for an outbreak, the consultant whose advice they relied on is part of the story, and often part of the claim.
Professional Saver arranges business insurance for food safety consultants, hygiene auditors and food industry consultants from £55* a year, with public liability as standard and professional indemnity scaled to the businesses your advice protects. Get a quote online in five minutes; documents arrive the same day.
Professional indemnity insurance carries the profession’s defining risk. If a client alleges your professional negligence caused them financial loss, a hazard your audit missed, a HACCP plan that failed inspection, compliance advice that proved wrong, professional indemnity insurance pays the compensation and the legal costs of the defence. Defence matters enormously here: when an EHO closes a kitchen or an outbreak is investigated, blame is assigned in hindsight with the incident in full view, and separating your advice from the client’s execution of it is exactly the argument that’s ruinous to fund alone.
Public liability insurance covers the physical side of consultancy: audits, inspections and training sessions in other people’s kitchens, factories and premises. If someone suffers injury or property damage around your work, a slip during your inspection, damage to equipment while checking it, public liability insurance covers the compensation and legal fees, with £1 million as standard and options up to £10 million where food manufacturers and retail clients require more.
Business equipment cover protects testing kit, probes and the laptop the audits live on (£100 excess), and employers’ liability is usually a legal requirement once the consultancy employs anyone, including associate auditors working under your direction.
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Because your advice has regulatory consequences. Food hygiene sits under active enforcement: EHO inspections, hygiene ratings, improvement notices, prosecutions. When enforcement lands on a client, the consultant who advised them is the first professional they look to, sometimes for help, sometimes for compensation.
Because outbreaks are traced backwards. A food poisoning incident is investigated from the sick customer back through the kitchen to every system and signature involved, including the consultant’s audit. Being in that chain with no cover is the risk; PI is what keeps an investigation from becoming a personal financial event.
Because food businesses hire you to pass. Clients buy inspection-readiness, and when the rating disappoints, the gap between “we followed your advice” and “you didn’t implement it” becomes a dispute. The policy funds that argument, and the consultant’s records usually win it, provided there’s cover to get that far.
Every policy includes public liability, products liability, legal expenses and £10,000 of financial loss cover as standard, from £55* a year. You then shape the consultancy insurance to the practice:
Worldwide liability cover for temporary work abroad is included for up to 14 days, excluding the USA and Canada.
From £55* a year for the base policy. The main variables are the level of professional indemnity your clients require, the scale of the food businesses you advise (a village café and a manufacturing site carry different consequences), whether you employ anyone, and your claims history. A sole consultant doing hygiene audits and training sits at the affordable end; get a quote online, itemised in about five minutes, with monthly instalments available.
Food hygiene consultancy is the business of standing between clients and their worst headline. Get a food safety consultant insurance quote online from £55* a year, backed by an insurer rated AA- (Stable) by Standard & Poor’s, and protect your business from the inspections that go wrong after you’ve left.
* Total number of live policies as of 31/10/2025
From only£55per year
From only£55per year
From only£55per year
From only£55per year
From only£55per year
From only£55per year
In practice, yes: the work is advice with enforcement attached, and clients act on it with their licence to trade. Many food manufacturers and retail groups also name required PI levels in their supplier and consultant agreements, so the cover is often a condition of the engagement rather than a choice.
PI works on a claims made basis: the policy in force when the claim arrives responds, provided cover has run continuously since the work was done. Food safety claims surface when something goes wrong in the kitchen, which can be years after the audit, so continuity is the buying decision that matters most.
Professional indemnity answers for the advice: audits, plans and training that allegedly failed. Public liability answers for your physical presence: injury or damage around inspections and site visits. A food safety consultant does both every working week, which is why the policy carries both.
Plenty of consultants do both; quote for the mix and describe the split honestly. If workplace health and safety is your core practice, our health and safety insurance page covers that side in its own right, and the covers are shaped the same way.
