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 (aka E&O 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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18:06 16 Mar 23
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17:30 14 Mar 23
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16:23 14 Mar 23
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13:56 10 Mar 23
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21:53 20 Jan 23
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05:51 23 Nov 22
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23:55 09 Nov 22
The agent that I spoke to was very experienced and could tell that I was new at this and was very understanding and took the time to explain everything to me.
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00:04 15 Oct 22
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23:09 15 Aug 22
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Friendly agents. Timely replies. Fair pricing. This is a good fit for my business! Thank you, Noah, for all your help.
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00:41 07 Jan 22
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04:36 15 Oct 21
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AmeriCreed 1.
15:42 23 Sep 21
MOVING FORWARD, I WILL BE SENDING ALL OF MY BUSINESS TO THIS COMPANY !!!! Incredible customer service!!! Thanks
THEODORE W.
19:49 09 Sep 21
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22:21 02 Sep 21
Eugene was Awesome!!!!
Lakesha G
17:19 21 Jul 21
Excellent solution for writers and authors professional liability policy as well as coverage for copyright and trademark infringement. Service was prompt and excellent.
Lane
18:22 22 Jun 21
Done in less than an hour!
William O.
00:30 02 Jun 21
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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20:30 24 May 21
I had a great experiencing obtaining several of my insurance needs as a landscaping company here in Northern Colorado. BizInsure's team took care of my needs and was very responsive to help with paperwork needed to secure a potential client account!
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16:34 10 May 21
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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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19:51 20 Apr 21
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Poetic F.
21:00 07 Apr 21
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19:04 16 Mar 21
Excellent service and prices.
Cassiopée V L.
23:13 09 Mar 21
Mr. Daniel Scott was very responsive to my professional needs.
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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 P.
23:32 17 Feb 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.
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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
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23:26 12 Nov 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.
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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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19:55 15 Sep 20
This company responded when I needed them to respond while facing a deadline. They are an excellent choice for business Insurance.
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01:52 12 Sep 20
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02:41 27 Aug 20
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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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20:31 25 Aug 20
If you need Private Home Care Provider insurance for your company, BizInsure, LLC can get it for you!
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21:51 04 Jun 20
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02:03 04 Jun 20
Anthony Spencer was great!! Very quick response time!! He was very Professional! I would suggest him because he helped me find a affordable rate and explained all the technicalities..
Fre H.
16:38 28 May 20
I was referred to Bizinsure by a industry trade group that I am a member of. It was easy to get a quote online and then received excellent customer service from Bradley H. to complete my policy purchase over the phone. I have shared this company information now with other business owners for their policy needs.
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22:11 08 May 20
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01:30 05 May 20
Amazing
Jasmine Q
14:31 02 Dec 19
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!
Dr. Youssef C. A.
17:21 14 Nov 18
Tricia helped me get insurance for my business. The task of obtaining a quote was really starting to frustrate me until I was referred to BizInsure through a different agency. Tricia got me a quote fast, and even took a down payment over the phone and issued the proof of insurance the same day. a+ service, would do it again in a heartbeat!! Thank you!!
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BizInsure was a great find! I did not have to fill out applications, and Tricia was able to quote and bind business insurance for me within half an hour.
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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.
Mark W.
23:42 13 Nov 17
Great customer service. I've been very inpressed with my dedicated representative that had helped me navegate my insurence needs. Thanks so much!
Graham B.
22:12 23 Jun 17
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