Insurance for Consultants

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The Art of Being a Creative Small Business

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Insurance for IT Professionals

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Civil Engineering Explained

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Challenges of the Furniture Manufacturing Industry

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How much does Business Insurance cost?

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5 Questions to ask yourself before buying Insurance for your Small Business

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Legal Requirement for Public Liability Insurance

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7 Types of Insurance Your Small Business Should Consider

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Insurance for Furniture Manufacturers

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Public Liability Insurance in Adelaide

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Insurance for Cafes

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BizCover SME Insurance Price Index Q1 FY20

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Reviews related to business insurance for freelance designers

  • I have played phone tag with several brokers and insurance providers...what a relief to finally find a simple online service.

    Paul C Cunningham
    Consultancy Occupations

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Why do Consultants need insurance?

You offer game-changing results for your clients; we offer a game-changing way to get your insurance. With just a few clicks or a phone call, you’ll get multiple competitive quotes from some of Australia’s leading insurers. Select your preferred policy and you’ll be covered instantly, so you can continue running your business.  

 

Did you Know?

If you’re a consultant working as a sole-trader you are personally responsible, both legally and financially, for all aspects of your business. In other words, there is a potential for you to have enormous liability exposure, which may affect your personal assets if things go wrong. 

Insurance for Consultants

Professional Indemnity*

There are literally hundreds of different consulting professions, yet all are required to provide a professional service or specialist advice.  Professional Indemnity insurance is designed to protect you from losses claimed by clients that are incurred as a result of your actual or alleged negligence or omission in the provision of your professional service or advice.  

Your Professional Indemnity policy, will cover the award of compensation payable to a third party together with your defence costs (which can include legal fees, investigator fees and expert fees)   

Examples of some of the many consultancies  who can take out Professional Indemnity Insurance through BizCover include: 

^Accurate as at  September 2019 

Public Liability Insurance*

Public Liability insurance is a no brainer for all types of consultancy services. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.

Meeting with your clients, either at your office or if you visit them at their premises, means you’ll be exposed to potential mishaps and accidents – think of a client tripping over at your premises or if in the excitement of presenting your proposal at their office you knock over that expensive art work.

Business Insurance*

Your clients bring in your income, but where would you be without your business assets?  

Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage).  A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks. 

Cyber Liability*

Consider the client data you may storing and the consequences if your systems were compromised.  

A cyber liability insurance policy is designed to help protect you from claims and support your profitability in the event of a cyber breach or attack. Costs associated with defending a cyber claim are also covered.  Examples of the types of risks Cyber Liability insurance can assist with are inadvertent loss or release of customer personal information, cyber crime, cyber extortion/ransomware and business interruption due to a cyber event. 

*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy document.  The information contained on this webpage is general only and should not be relied upon as advice.

Common causes of claims