Fire consultancy

Businesses operating within the fire sector face challenging professional, contractual and
liability exposures. Protection & Detection (PaD) is a specialist insurance programme
designed for businesses involved in fire consultancy, fire engineering, fire risk assessment
and related professional services.

As an Affiliate Member Organisation of the Association for Specialist Fire Protection (ASFP),
Consort works closely with businesses operating across the fire protection sector and
understands the insurance requirements associated with fire–related activities.

Cover available

We can provide access to a broad range of commercial insurance covers (1), including but not limited to:

  • Professional Indemnity (2)
  • Contractors Combined (including Efficacy)
  • Excess of Loss
  • Motor Fleet
  • Management Liability
  • Cyber insurance
  • Bonds
  • Supporting covers such as Trade Credit, Key Person and Private Medical Insurance (PMI)

(1): Please note, insurance solutions are subject to underwriting, policy limits, exclusions and excesses.
(2): Professional Indemnity insurance may be available on either an Any One Claim or Aggregate basis, depending on the nature of your activities and insurer requirements

Who is PaD suitable for?

PaD is typically used by:
  • Fire protection contractors across active and passive disciplines
  • Manufacturers and suppliers of fire–related products
  • Engineers, fire risk assessors, consultants and surveyor
  • Construction and professional–service firms with fire–related exposure
  • Organisations seeking structured and appropriately aligned insurance solutions

Why Consort?

Consort has built its reputation supporting organisations operating in environments with exposure to fire. Our experience enables us to understand the challenges faced by contractors, manufacturers, consultants and engineers, and to communicate those exposures with clarity and confidence.

Clients work with Consort because of our:

  • Specialist understanding of fire–sector risks and liabilities
  • Exclusive A–rated* insurer partnerships
  • Technical knowledge of contractual, efficacy and professional exposures
  • Ability to present complex risks in a clear and credible manner
  • Proactive, long–term approach to risk and insurance management

*Rating information correct as of August 2026.
Source: AM Best, S&P Global Ratings and Fitch Ratings.

Request a quote

If you would like to discuss your insurance requirements, complete our proposal form and a member of our team will contact you

Request a quote

If you would like to discuss your insurance requirements, complete our proposal form and a member of our team will contact you.

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This Proposal Form and all materials submitted shall be held in confidence. Please answer all questions in full and provide all requested information and/or required attachments to enable a quotation or indication to be provided. The completion and submission of this form does not bind the applicant or underwriters to enter into any contract of insurance.

If a question does not apply, please write “N/A”. If the answer is none, state “none” or “0”. If more space is needed, please continue on a separate sheet of the applicant’s letterhead and indicate the question number to which the information responds. This Proposal Form and any separate continuation sheets must be completed, signed and dated by a principal of the business.

11. Individual Experience(s) – Please list the names, date of birth, position, and sector experience of all Directors and/or Partners of the Proposer(s)

14. Please state total number of:

14. Please state gross fees (£) in the columns provided for the last 5 complete financial years:

15. Please provide breakdown of Turnover as follows:

18. Division of Works: Environment – Please specify the percentage of gross fees in the previous year that the following types of work represent:

Home Building

Engineering Construction

Industrial / Hazardous Locations

Amenities

Commercial / Retail

* Please refer to Question 18.

19. High Rise Buildings

20. Division of Works: Disciplines – Please give an approximate percentage split of the disciplines within your Design and Contract Department (even if such work is sub – contracted):

21. Risk Management – Please confirm:

22. Do you use the services of consultants, sub-contractors or agents?

25. Do you have standard terms of business for use with all clients?

26. Do you limit your liability for consequential loss under your Terms of Business?

27. Please provide the following details:

Retroactive Date
A Retroactive Date is the date from which you have held uninterrupted Professional Indemnity insurance cover, even if you’ve changed insurers during this time, or a date in the past from which your insurer has agreed to cover you. Any claims that arise from events prior to this date is not covered by your insurance.

29. During the past 6 years:

31. Declaration

I/we declare that I/we have made a fair presentation of the risk, by disclosing all material matters which I/we know or ought to know or, failing that, by giving the Insurer sufficient information to put a prudent insurer on notice that it needs to make further inquiries in order to reveal material circumstances.

32. Please upload the following documentation

If you would like to discuss your insurance requirements, complete our proposal form and a member of our team will contact you

Frequently Asked Questions

What is Professional Indemnity insurance?
Professional Indemnity (PI) insurance can help protect businesses against claims alleging negligence, errors or omissions in the professional services they provide. Cover is subject to policy terms, conditions, exclusions and limits.

Do fire consultants need Professional Indemnity insurance?
Many fire consultants purchase Professional Indemnity insurance to help protect against claims alleging negligence, errors or omissions in the professional services they provide.
What is the difference between Any One Claim and Aggregate cover?
Any One Claim cover applies the policy limit to each individual claim, while Aggregate cover applies the policy limit to the total value of claims made during the policy period, subject to policy terms and conditions.
What is Efficacy cover?
Efficacy refers to whether a product, system or service performs its intended function. In the fire sector, this can be an important consideration where businesses are involved in the design, specification, installation, inspection or certification of fire protection measures.
Cover will depend on the specific policy terms and conditions.
How do I get a quote?
Complete the proposal form and a member of our team will contact you to discuss your requirements.

Important information
All insurance policies are subject to insurer acceptance, underwriting criteria, policy terms, conditions, exclusions and limits. Please refer to the policy documentation for full details of cover.