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Science & Research Consultants Insurance

Protecting science and research professionals from less than £55* per year

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Excellent 4.7 out of 5

Professional Saver Public Liability Insurance for Science & Research 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)

As a science or research consultant, having insurance is important to protect you when providing advice to clients. Our public liability insurance covers you if someone gets injured or property gets damaged while you are working.

For example, you could be liable if a client trips over research equipment you brought to their site.

Why Do Science & Research Consultants Need Insurance?

As a science or research consultant, you may collaborate with clients to develop innovations, carry out studies using their data, test products in their labs, survey their customers, and more. Accidents like injuries or property damage can occur, potentially opening you up to claims if uninsured.

Additionally, as your insights and recommendations inform organisations’ R&D investments, strategic plans, and product development, any flaws in your advice or negligence could lead to loss of this progress and revenue, resulting in litigation if no insurance safety net exists.

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Why choose Professional Saver science & research consultants insurance ?

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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 science & research 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 Science & Research Consultancy Insurance?

Science and research insurance protects professionals who provide advisory services to organisations related to R&D, innovations, analytical testing, data modelling, lab services, and more. This covers:

  • Conducting studies, experiments, modelling, analysis, and reporting
  • Making recommendations on research directions and scientific initiatives
  • Advising clients on maximising insights from research activities
  • Helping organisations utilise innovations, new technologies, and discoveries

However, there are risks associated with science and research, including:

  • Flawed experimental design
  • Inaccurate data analysis
  • Insufficient testing, leading to oversight of issues
  • Incorrect reporting
  • Unethical research conduct
  • Inadequate security protections

This could negatively impact organisations, leading to financial loss, privacy breaches, lack of progress on initiatives, ineffective decision-making, and other issues. Science and research consultants insurance provides comprehensive protection if issues like these arise.

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What Our Science & Research Consultants Insurance Covers:

Our policies can include the following protection:

Public Liability Insurance

This covers any injury or property damage caused while visiting client sites, using their labs or equipment, carrying out fieldwork, conducting trials, and other on-location research activities. For example, you accidentally knock over a prototype robot worth £100,000 during an inspection.

Professional Indemnity Insurance (optional)

This insurance covers claims for financial loss clients suffer from inaccurate analysis, flawed advice, insufficient testing, oversight of issues, reporting errors, inadequate security, or other negligence. For instance, a flawed data modelling methodology leads to millions in wasted R&D investment.

Legal Expenses Insurance

This provides specialist legal advice and covers legal costs if you face civil claims, complaints, or investigations related to your consultancy work. For example, allegations of unethical research conduct.

Contents & Equipment Insurance (optional)

This insurance covers the replacement or repair costs of items lost, stolen, or damaged during offsite client work or field studies, like laptops, testing devices, drones, cameras, and vehicles.

Science & Research Consultants Cover for Contractors

We can extend policies to additionally protect any freelance consultants, academics, analysts, or researchers you use to help with studies, experiments, analysis, and reporting. This provides coverage for personnel conducting work under your brand.

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Why Choose Professional Saver’s Consultants Insurance?

With 35+ years of experience providing policies to SMEs, you can trust Professional Saver to fully protect your science and research consultancy. We offer these key benefits:

  • Direct Specialists – We are a specialist commercial insurance provider, not a comparison website. Clients work directly with advisors who understand the science and research sector and its unique insurance needs.
  • 24/7 Legal Helpline – Whenever you need expert legal guidance on insurance matters, our dedicated helpline offers advice.
  • Monthly Instalments – If your policy exceeds £125, you can choose to pay annually or spread costs by paying in affordable monthly instalments.

To get an insurance quote, use our online system. You can fully protect your consultancy from under £54* a year!

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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

Science & Research Consultants Insurance FAQs

Science consultants are vulnerable to negligence claims because organisations depend on their expertise to guide R&D plans, innovations, and discoveries that underpin growth. If you’re not properly insured, you could face substantial pay-outs if flawed advice, testing, or analysis leads to wasted investment, lack of progress, accidents, or other issues.

We cover loss scenarios like:

  • Inaccurate data modelling leads a client to abandon a multi-million-pound drug trial. Our professional indemnity insurance would cover their financial loss claim.
  • A flawed prototype design recommendation leads to a serious injury when tested. Our public liability cover handles their compensation pay-out.
  • Disputes over unethical research practices result in legal action. Our legal expenses insurance covers defence fees.

We cover liability risks from typical consultancy work, including:

  • Designing or advising on experiments, trials, and prototypes
  • Collecting, processing, analysing, and modelling data
  • Producing research reports and recommendations
  • Guiding innovation, technology, and product development
  • Carrying out lab-based product safety or environmental testing
  • Conducting analytics-driven strategy projects

This means that most claims from standard consultancy activities are covered.

Yes – our policies can extend to protect any temporary staff, academics, scientists, or analysts conducting research activities under your consultancy brand. For example, a statistician you bring in overlooks experimental design flaws, negatively impacting trial outcomes.

Our insurance will help protect against the resulting financial implication claims made against your business rather than just the contractor themselves.

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