Describe the alleged harm
Compare a visitor injured at your premises with a client alleging financial loss from your advice. Ask which policy section could respond to each. Labels such as consultant or contractor do not settle this question because a business can create both types of exposure.
Review mixed activities
Installation, training, design and product supply can combine several risks in one contract. Give the insurer a realistic description of the whole service. Ask about exclusions that could leave a gap between policies rather than assuming each insurer will pick up what the other excludes.
Keep limits and timing distinct
Request an explanation of the limit, excess, defence costs and reporting rules for each cover. Show any contractual insurance requirement to the broker. A certificate proving that a policy exists does not by itself establish that it matches all of the work promised to a customer.
Take these questions to your provider
- Are installation, subcontracting and all products accurately described?
- Where can products be sold and where can a claim be brought?
- Are legal defence costs within or additional to the limit?
- Does the policy meet the insurance terms of venues and customer contracts?
Sources & further reading
Checked 26 September 2026. Policy terms and source ratings can change.