Protecting HR professionals with public liability insurance from less than £55* per year
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HR consultant insurance covers the professional whose advice decides how someone loses their job. A dismissal handled the way you recommended, a redundancy process you designed, a settlement agreement drafted to your guidance: if the employer ends up at an employment tribunal and loses, the award and the legal costs land on them, and the conversation about whose advice caused it starts immediately. Professional indemnity is the cover that answers it.
Professional Saver arranges business insurance for HR professionals, from sole consultants to a growing HR consulting business, from £55* a year, with public liability as standard and professional indemnity scaled to the employers you advise. Get a quote online in five minutes; documents arrive the same day.
Professional indemnity insurance carries the risk that defines HR consultancy. Where a client alleges your negligence caused them financial loss, a flawed disciplinary process, a redundancy selection that could not be defended, contracts that did not do what they were meant to, TUPE advice that unravelled at completion, professional indemnity insurance pays the compensation and the legal costs of the defence. The size of the exposure is the point: tribunal awards for unfair dismissal are capped, but discrimination awards are not, so a single process going wrong can cost a client many multiples of your fee.
Public liability insurance covers your physical presence in client workplaces: investigation meetings, disciplinary hearings, training sessions, on-site HR days. Where members of the public or client staff suffer injury, or property damage occurs around your work, public liability insurance covers the compensation and legal costs, with £1 million as standard and options of £2 million, £5 million or £10 million where larger clients specify it.
Equipment insurance protects the laptop the case files sit on (£100 excess), and employers’ liability insurance applies once your consultancy employs anyone, as the law usually requires. One honest note on data: HR work means holding some of the most sensitive personal information there is, and we don’t sell standalone cyber insurance, so name that exposure at quote stage rather than assume the point is covered.
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Because employment law moves and your advice is dated. Guidance that was right two years ago can be wrong now, but the client keeps the document and follows it. When the tribunal disagrees, the advice is produced in evidence with your name on it.
Because you advise on decisions that create claimants. Almost everything an HR consultant touches involves someone being disciplined, demoted, made redundant or dismissed. Every one of those people has a route to a tribunal, and the employer will look for someone to share the consequences.
Because clients and accreditations expect it. Employers, HR frameworks and professional membership routinely expect professional indemnity insurance for HR consultants before an engagement starts, and being able to send the certificate the same day is often what confirms the appointment.
Every policy includes public liability, products liability, legal expenses and £10,000 of financial loss cover as standard, from £55* a year. You then choose the type of insurance the HR business actually needs:
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, with professional indemnity the main variable: the size of the employers you advise, the level of cover your contracts require, whether you employ anyone, and your claims history. A sole consultant advising small businesses on contracts and handbooks sits at the affordable end, and the premium reflects it; a consultancy running redundancy programmes for larger employers needs limits that respect what a failed process costs. There is no broker in the middle, so get a quote online, itemised in about five minutes, with monthly instalments available.
HR consultancy is the business of telling employers how to handle the moments that generate claims. Get an HR consultant insurance quote online from £55* a year, backed by an insurer rated AA- (Stable) by Standard & Poor’s, and protect your business when a tribunal reads your advice back to you.
* 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. It is not a legal requirement, but client contracts commonly make it a condition of engagement, and it is the only cover that answers the risk you are actually running: advice on a dismissal or a restructure that costs the employer a tribunal. £1 million is the usual floor, with more where you advise larger organisations, and CIPD membership is a common prompt to buy professional indemnity insurance in the first place.
PI works on a claims made basis, so the policy in force when the claim arrives is the one that responds, provided cover has run continuously since the advice was given. Employment claims have their own timetable, so the gap between advising and being blamed is often longer than a policy year. Run-off cover is the thing to ask about if you wind the consultancy down.
Describe what you actually do when you quote. There is a difference between HR consultancy that applies employment law practically and providing legal services or tribunal representation, and being precise about which you offer is what keeps the certificate dependable if a claim tests it.
Retained work is covered, and worth flagging when you buy, because acting as an employer’s ongoing HR function is a deeper relationship than a one-off project. If you need to make a claim, tell us as soon as something looks like becoming one: legal expenses cover brings in advice early, which is when it changes the outcome.
Training sits comfortably in the same policy: professional indemnity answers for the content and public liability for the room. Our consultants insurance page covers the wider consulting family if HR is one strand of a broader practice, and recruitment consultant insurance is the page for placing candidates rather than advising on the people already employed.
