Professional Indemnity Insurance for Energy & Heating Consultants

You may have a good relationship with your clients, but you can soon feel the heat if they decide that your advice has caused problems. PI Insurance offers financial protection for your business.

Why choose Hensure for PI insurance


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Why professional indemnity insurance for Heating Consultants needs careful consideration.

As an Energy & Heating Consultant, you will provide advice to clients. Typically, Energy Consultants who carry out site energy audits and surveys, collate relevant details and documents, identify and support implementation of energy saving measures and help to develop an energy policy or strategy require Professional Indemnity insurance.

If your advice causes problems for the client, then they could file a claim against you. Even if you have not done anything wrong, defending yourself can be a costly, but necessary process. PI insurance for Consultants can offer financial reassurance that your legal fees and any compensation awarded, is covered by the policy.

As specialist professional risks brokers, we provide energy and heating consultants professional indemnity insurance quotes and cover from our panel of leading professional indemnity underwriters and insurers in the United Kingdom.

It is important to consider the limit of indemnity that you will require for your policy. This refers to the insurer’s maximum liability in respect of any one claim and in respect of all claims in any policy year. This is known as an any one claim and in the aggregate basis and differs from public liability and employers’ liability in this regard.

For further information or advice on any aspect of cover, please do not hesitate to contact us.

Professional indemnity insurance for Heating Consultants. PI insurance cover.

  • Company Size – the overall size of the firm, based on total turnover, is taken into consideration.
  • Type of business – insurers will want to know the split of annual income derived from the proportion of temporary and permanent staff. Clerical and office-based staff are considered low risk. Trades such as medical, nursing, community care staff, heavy industrial, railway, aviation, petrochemical, offshore workers, financial and banking, fall into the high-risk category.
  • Qualifications – insurers will most likely want to see the CV belonging to the core people within the firm, demonstrating they have a minimum of five years’ experience.
  • Contract size – with reference to large contracts, insurers will be interested in the extent of the recruitment consultant responsibilities and whether they are adequately resourced.
  • Claims – if there is a history of PI claims then this usually reflects the quality of the consultant, their staff and their internal risk management.
  • Overseas Exposure – insurers are interested in knowing if the consultant agent deals with clients overseas due to the potential litigious nature of dealing with clients in those particular countries.
  • Retroactive Exposure – does the practice have an exposure to claims in the current firm or a former practice arising from past work?

A typical Professional Indemnity insurance policy for Heating Consultants will normally cover the following areas:

  • Breach of Civil Liability
  • Negligent act, error or omission
  • Negligence of sub-contractors
  • Irrecoverable fees
  • Bodily injury or property damage arising from breach of professional duty
  • Defence costs
  • Unintentional intellectual property rights infringement (other than patents)
  • Unintentional breach of confidentiality
  • Unintentional defamation
  • Loss of third-party documents or data
  • Computer virus transmission
  • Court attendance costs

Your policy coverage may vary between insurer.

Professional Indemnity

  • Professional Indemnity provides cover for claims that arise as a result of the work you have completed or advice you have given.

Public Liability

  • Public Liability provides cover should members of the public receive an injury or property damage due to your work. This protects your business should a compensation claim be made, also covering any legal costs that result from this.

Employers’ Liability

  • Employers’ Liability provides cover for compensation claims and associated legal costs, arising from employee injury or work-related illness.

Cyber Insurance

  • Cyber Insurance provides support in the event of cyber-crime and unintentional data breaches, offering cover against the cost of revenue and fines.

Directors and Officers

  • Directors and Officers insurance policies protect you financially against any claims that are made against you personally in your position as a director, partner or officer of your business.

Legal expenses insurance

  • If you were involved in a legal battle, knowing that any money you spend on legal bills would be reimbursed could make all the difference. Legal expenses insurance does just that. It ensures that your business remains financially stable after a legal case by helping to compensate the business for incurred costs.


Contact us to find out more about the right cover for your business.

Contacted Hensure regarding Public Liability and PI insurance. So glad I did! Rhian was so professional, friendly, and helpful. Definitely recommend anyone to contact them first.

Jackie Skeer, Skeer Building Consultancy Ltd

PI insurance – Everything you need to know

Professional Indemnity Insurance covers legal expenses incurred in defending a claim against you, even if the claim is false. It will also cover the compensation awarded, should they win their case, and the cost of any losses that they incurred as a result of your negligence.

If your business ceases operations, there is still a chance that a claim could be made against you in the future. PI Insurance can provide run-off cover to ensure that these claims are still covered and you are still protected.

You can buy short-term PI Insurance cover, but it comes with a significant risk that must be considered.

Professional Indemnity Insurance works on a claims made basis, meaning that the insurance policy that you hold at the time the claim is made is responsible for the claims and any associated costs. If you cancel the policy after your contract has ended, and a client then makes a claim against you after this time, you do not have any insurance to cover this and will be solely liable.

You must hold insurance at both the time the incident occurs, and the time that the claim is made, to be protected.

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R K Henshall & Co Ltd, The Grove, Mill Lane, Wheelock, Sandbach, Cheshire CW11 4RD.

Copyright © Hensure | Hensure Business Insurance Consultants is a trading name of RK Henshall & Co Ltd. RK Henshall & Co Ltd are authorised and regulated by the Financial Conduct Authority. Registration Number: 308865. Directors: J.R. Henshall B.A.(Hons) ACII Cert CII (FS), A.J.Simpson ACII, A.Brown FCCA. Company Secretary: A.Brown FCCA. Written quotations, policy terms, conditions and exclusions are available on request. Privacy policy, Cookie policy, Terms, Complaints Procedure, Consumer Duty Statement

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