Tailored HR insurance

As an HR consultant, you could be an expert in anything and everything from people management and recruitment to training and development – and your professional advice can help your clients navigate a complex regulatory environment.

Naturally, it is a role that has risks. If a client believes that failures in your advice have caused financial losses or reputational damage you could find yourself facing legal action. That is why HR consultant insurance is so important. The right cover, tailored to your needs should help to protect against these risks and defend your livelihood - stepping in to cover legal fees, compensation, crisis containment, and much more.

  • Protection
    Oxygen provides professional liability insurance that’s designed to meet your individual needs, covering your work as a human resources or training and development consultant. This includes, where appropriate, work as a coach or mentor. Underwritten by Hiscox, cover can be extended to include other work such as general business consultancy or mediation.

  • Care 
    Your profile as an HR consultant is unique based on the kinds of work you get involved in and the sectors your clients operate in – so an “off the shelf”, standard policy is unlikely to provide efficient protection. The Oxygen team works hard understand your business and the risks you face – to help shape an HR insurance policy just for you. It’s an approach that works - we often receive positive client feedback and word of mouth recommendations from satisfied customers.

  • Claims
    We hope you never have to make a claim under your Oxygen HR consultant insurance, but if you do, we have a dedicated claims team on hand to help support you throughout the process.

An experienced, specialist team

Oxygen is a specialist provider of insurance for HR consultancy and other people-based professions.

We strive to be a distinctive and refreshingly professional insurance provider that delivers superior products and service. We work hard to design insurance products that drive business value for our customers, protect their livelihoods, and provide a level of service that our customers tell us is exceptional.

Our HR training insurance

We have worked with leading insurer, Hiscox, to create a specialist insurance for HR consultants product. A civil liability insurance policy, it is designed to help with the cost of defending any civil claims against you as well as any damages or compensation awarded against you. 

What our HR consultant insurance covers:

  • Public and product liability (£10m).
  • Professional indemnity and malpractice.
  • Complaints and disciplinary hearings.
  • Crisis containment.
  • Confidential notes and records.
  • Directors and officers liability.
  • Professional wills.
  • 24-hour commercial assistance and legal helpline.

Optional HR consultant insurance cover:

  • Employers liability insurance.
  • Cyber insurance.
  • Management liability insurance.
  • Contents insurance.