Depending on the way your business operates and is structured, several additional insurance covers may be worth considering. 

• Public Liability Insurance is essential if you visit client sites or enter private properties, as it protects you if someone is injured or property is damaged in connection with your work. Public Liability can often be combined with your Professional Indemnity coverage for a small additional cost. 
• Business Insurance can cover tools, mobile devices, cameras, ladders and other essential equipment used during inspections. It can also include fire, theft and loss of business income if you have an office premises.
• Cyber Liability Insurance protects your business against cyber incidents such as hacking, phishing and data breaches, which can be a risk when managing client data or delivering reports online.
• Commercial Motor Insurance: If you use your vehicle for transporting tools or accessing inspection sites. 

Depending on the size of an inspector’s business, other insurances may also be required. These could include:

• Workers Compensation
• Personal Accident / Illness
• Management Liability Insurance

Each business is unique and has unique exposures. For tailored advice, please speak to one of our qualified brokers.