Insurance for OHS Consultants

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Why do OHS Consultants need insurance?

You’re an expert when it comes to all things health and safety within the workplace, ensuring the right legislation and compliant guidelines are in place. You understand employees and their workplace issues and provide guidance to ease their mind.

As rewarding as being an OHS consultant may be, it isn’t a profession that doesn’t come without its risks and that’s why having the right insurance in place matters.

Did you Know?

If you’re an OHS consultant working as a sole proprietor you become personally responsible, both legally and financially, for all aspects of the business. That’s why having the appropriate types of insurance in place are vital.

Insurance For OHS Consultants

Professional liability insurance

When you are providing professional advice and services as an OHS consultant, it’s vital that you consider Professional Liability insurance. It gives you peace of mind and protection against damages related to your services, actions or recommendations.

A Professional Liability policy can extend to cover employees and independent contractors from allegations of negligence, inaccuracy, the failure to perform, incorrect advice and other typical risks associated with the advice and services provided.

General Liability insurance

Before you start inspecting and carrying out your duties as an OHS consultant, it is often a requirement that you have your General Liability policy in place. It is one of the fundamental types of insurances that every consultant should consider.

General Liability is designed to protect you and your business against allegations of bodily injury or property damage by a third party (not an employee). It can cover the related medical costs if an injury were to occur and also covers allegations of advertising injury and personal injury including libel, slander, defamation etc.

Working with clients means there is always a risk for an accident or something to go wrong, potentially causing a great financial loss. That’s where General Liability is important to protecting your business for the long haul.

Business Owners Policy (BOP)

Created as a convenient and cost-effective package to assist OHS consultants, the Business Owners Policy (BOP) combines General Liability (as above) with additional coverage for their business property (mobile phones, laptops etc) non-owned business auto liability, business interruption protection and other coverage options.

A Business Owners Policy creates a tailored and efficient way for you ensure your OHS consultancy business has the protection it needs against unplanned events and common liabilities of your industry.

Workers Compensation

Protecting your employees is an important responsibility as a business owner and that’s where having the right Workers Compensation coverage in place is vital.

Some of the benefits provided to your employees if they were to make a claim against your workplace for injury or illness include:

  • Medical care
  • Replacement of lost wages when taking time off to recover
  • Funeral costs paid for if they were to pass away
  • Disability support costs

 

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THEODORE WELLS
THEODORE WELLS
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Daniel Patrick Sullivan
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Sheree Williams
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Lane
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Efficient, and great value. The agent was able to give us a quote and a new policy in a short period of time. Thank you
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Arik Solberg
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Elba Perez
Elba Perez
18:50 26 Apr 21
I need a help getting errors and omissions insurance along with general liability. Jose was very friendly informative and was very patient with me during the process. He found me some of the best rates for the coverage that I needed. Highly recommend
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I had numerous conversations with several business insurance agents over a month's time. I also had several conversations confirming the policy inclusion/exclusions and asked many questions. My BizInsure agent was professional, knowledgeable and most important—detail oriented. Even after having an initial conversation a month earlier he knew and *remembered* all my personal/professional insurance needs. When I asked for additional information on the third call he was able to provide me with details very quickly. He was also VERY patient. That is a big plus in my opinion. It illustrated a high level of respect for my needs. I also found when I called back and asked to talk with the initial agent, the person who answered the call was able to get in contact quickly and my agent responded and returned the call within 5-10 minutes. The transaction was smooth, and I think it's a good sign should I ever need to make a claim. I highly recommend BizInsure.
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Poetic Films
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Sandra Darjean-Murphy
Sandra Darjean-Murphy
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Jusephine Ghong
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The rep was extremely helpful actually lowered my quote and made sure I was covered to fit my needs with my growing business! 5star!!
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Franklin Behm
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Excellent service and prices.
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Cassiopée V Lapierre
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S & S Professional care llc Home Health Agengy
S & S Professional care llc Home Health Agengy
04:15 24 Feb 21
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Stephanie Woodruff
17:38 18 Feb 21
Eugene deserves a raise! First time purchasing insurance and he made the process so simple for me. His patience and attention to detail left me feeling confident in my decision to choose BizInsure. Gracias Eugene!
Esined Perez
Esined Perez
23:32 17 Feb 21
DIVINE FIJIANS HOME CARE SERVICES
DIVINE FIJIANS HOME CARE SERVICES
22:49 05 Jan 21
The customer service provided by Jose was outstanding. He explained everything in a very clear/logical way and answered all of my questions. After providing all the information to obtain general liability insurance, Jose sent me the declaration page of the insurance for review. All of the information matched what I provided over the phone and there were no typos. The next day I called back to purchase the insurance which was easy and fast. Overall, my experience with BizInsure including the customer service by Jose exceeded my expectations.
Joe Wajdula
Joe Wajdula
03:29 12 Dec 20
Hiscox/BizInsure made getting Liability Insurance very easy and reasonable.I expected it to be a long and complicated process and it was a nice surprise that they made it so uncomplicated. Thank you. Lisa
Lisa Word
Lisa Word
21:51 24 Nov 20
Eugene was incredible. I called 4 other brokers before him who were impossible to get any help.
rhonda hale
rhonda hale
23:26 12 Nov 20
Owner (LPN)
Owner (LPN)
23:19 06 Nov 20
Cincere Browdy
Cincere Browdy
15:16 29 Oct 20
Very quick to get in touch with you and good with follow up. Had some trouble retrieving my quote to log into my account initially but Daniel assisted me and the changes were made to get me into my account. Great value for the money.
Fran Sutton
Fran Sutton
16:34 20 Sep 20
Very happy to be insured with this company. Professional, Timely, very helpful. Thank you Juan, you made it so much easier for me to understand.
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Aileen Day
19:55 15 Sep 20
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Michele Harris
01:52 12 Sep 20
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Christina Rose
02:41 27 Aug 20
I can't say enough good things about Daniel Santos kind and effective communication skills as an insurance agent. Daniel was so pleasant, friendly and efficient with helping me obtain insurance as a teacher. If I were to give Daniel a grade, he has earned an At . He made the process easy to understand, it was far easier than what I anticipated. Nancy S.
Nancy Sloan
Nancy Sloan
00:47 26 Aug 20
I was in need of professional liability insurance for my sole proprietorship. A friend referred me. Everythng was quick and simple and AFFORDABLE!
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hope jones
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Pamela Curry
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I was tryi9ng to find commercial liability insurance for my new comp-any and BizInsure was easy to use and very affordable which is great for me as a new business.
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Jimmy Smith
19:01 14 Jul 20
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James Lang
18:19 02 Jul 20
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Ken M
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Great service insurance prices are great for professionals looking to get insurance for businesses....
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21:51 04 Jun 20
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Kristene Smith
02:03 04 Jun 20
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Fre Hall
Fre Hall
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Dawn Torres-Gale
22:11 08 May 20
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Nekeisha B.
01:30 05 May 20
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Jasmine Q
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Trish is the most patient, professional and understanding insurance agent I’ve ever worked with. Trish has taken care of all my business insurance needs for the last couple years. I am really happy that I found an insurance agent that I know will take care of me & all of my concerns. I feel like a valued customer & I appreciate the great customer service that I get every time!!THANK YOU!
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Started doing business again and needed a policy fast. Ramez was reasonable, helpful and the rates are OK. Buyer beware? Sure, for me it turned out OK this time. Worth a call.
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Mark Wallace
23:42 13 Nov 17
Daniel Scott
Daniel Scott
15:15 27 Jun 17
Great customer service. I've been very inpressed with my dedicated representative that had helped me navegate my insurence needs. Thanks so much!
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Graham Blair
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