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Professional Indemnity insurance for Environmental Consultants

Hensure provides PI insurance for Environmental Consultants at a competitive rate.

The environmental sector has seen rapid growth over the last few years. This is in response to EU legislation and pressures of the green agenda which has led to a significant increase in the demand for environmental specialists.  The term ‘environmental consultancy’ can be used to describe a vast spectrum of activities, ranging from energy reduction consultants and environmental policy consultants, through to contaminated-land surveyors and remediation contractors.

Our on-line scheme has a wide appetite in this sector and can cover ecologists recording data before a site is prepared for development, through to consultants working to remediate pollution incidents that have occurred on an industrial site.

Contractually, environmental risks fall into two categories: those whose work is subject to JCT type construction contracts and those who provide services on their own or their clients’ contract terms.

Our PI insurance for environmental consultants cover is tailored to this with a construction professionals wording available when , for example collateral warranty cover is required or a miscellaneous professional wording with the ability to ‘ buy back’ cover to override the  pollution exclusion that is normally present on all miscellaneous Professional Indemnity wording.

Underwriting considerations

Underwriting considerations which need to be taken into account prior to providing PI insurance for Environmental Consultants:

  • Company size – This can be established in two ways, the gross annual income of the company & the number of partners/directors/employees.
  • Contract sizes – There is a direct relationship between the size and complexity of the job and the exposure.
  • Qualifications and experience – As with all professions, insurers will want to see a CV that shows that an engineer is suitably qualified and/or experienced to carry out the work undertaken on behalf of their client.
  • Retroactive exposure – Does the business have an exposure to claims arising from past work, whether in the current business or a previous company ?
  • Claims experience – This information reflects on the type of work carried out by a company. It also reflects the quality of the company’s work, experience, staff & internal risk management.
  • Overseas exposure – Does the practice carry out work for overseas clients?

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PI insurance for environmental consultants – Typical cover

  • Bodily injury or property damage arising from breach of professional duty
  • Defence costs
  • Court attendance costs
  • Pollution ‘buy back’ cover-if applicable
  • Asbestos ‘buy back’ cover- if applicable.
  • Breach of civil liability
  • Negligent act error or omission
  • Unintentional intellectual property rights infringement (other than patents
  • Unintentional breach of confidentiality
  • Unintentional defamation
  • Loss of third party documents or data
  • Computer virus transmission
  • Negligence of sub-contractors
  • Irrecoverable fees

Hensure Business Insurance has developed an on line quote engine that has very competitive rates for environmental consultants. This should save you having to complete a time consuming proposal form. If for some reason the profile of your risk is outside of the underwriting criteria for our scheme then we also have access to a number of other insurers who are keen to write environmental consultant risks.

Please try us today by following the link to the quote engine

 

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