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Insurance for Fire Safety Consultants
Specialist Cover for a Specialist Profession
Fire safety consultancy carries serious professional responsibility — from design and compliance to inspections and certification. At ERM Financial Services, we understand the wide scope of services you provide, and the real risks that come with them.
With over 30 years’ experience supporting Irish consultants, we’ll build cover around your expertise — not just a generic business model.
Cover Designed for Fire Safety Professionals
We support consultants working across:
- Fire safety certificate submissions
- Fire strategy reports
- Inspections and compliance audits
- Regulatory or HIQA/HSE support
- Fire engineering design input
- Training and procedural development
Insurance For Fire Safety COnsultants
Key Covers We Provide:
Our packages provide complete protection for your profession:
Professional Indemnity (PI) Insurance
Protection for claims of professional negligence, poor advice, or design/inspection errors. Essential for all regulated or advisory services.
Public Liability Insurance
Covers injury or property damage claims made by third parties while you’re working on-site or at client premises.
Office & Equipment Insurance
Protects laptops, documents, and tools used in your consultancy — including portable devices used off-site.
Cyber Liability Insurance
Protects against data breaches, email fraud, ransomware, and liability under GDPR.
Directors & Officers (D&O) Cover (Optional)
Personal liability protection for directors or company officers named in a legal or regulatory claim.
Why Choose ERM?
30+ years’ experience supporting Irish professionals
Tailored policies — no off-the-shelf solutions
Advice from real experts, not salespeople
Fast response and personal service
Frequently Asked Questions (FAQs)
1. Is PI Insurance required for fire safety consultants?
It’s not legally required by statute but strongly advised, especially if you provide design advice, certifications, or are engaged by public bodies or property developers.
2. What level of cover do I need?
It depends on the type of work, size of contracts, and who your clients are. We’ll assess your actual risk to recommend appropriate limits.
3. Do I need Cyber Insurance?
If you handle reports, client data, or regulatory submissions, you are exposed to email compromise and ransomware risk — so cyber cover is strongly advised.
4. Can I combine all covers under one policy?
Yes. Many clients bundle PI, public liability, office, and cyber cover into a single policy to simplify admin and avoid cover gaps.
5. What kinds of PI claims do fire safety consultants typically face?
Claims can involve incorrect fire safety certification, failure to flag a non-compliant fire door, flawed evacuation plans, or disputes over design advice given to property developers or contractors.
6. What documentation will insurers expect if I need to make a claim?
Typically, insurers will ask for relevant inspection reports, site visit logs, communication records, disclaimers provided to clients, and any certification evidence. We help you prepare and respond.
7. Why bundle my cover into one policy?
Bundling can help reduce costs, simplify renewals, and minimise coverage gaps. It also ensures fewer delays and disputes if multiple areas of cover are triggered by one event.
8. Is ERM Financial Services regulated?
Yes. ERM Financial Services is regulated by the Central Bank of Ireland.