Do I need Public Liability insurance?

... for all kinds of business from professionals and tradesmen to retailers and other types of small businesses. Is Public Liability insurance a legal requirement? Public Liability Insurance is not a legal requirement in ...

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How Does Professional Indemnity Insurance Benefit You?

If you are a professional and have your own company, ... have professional insurance, which can also be referred to as professional indemnity ... your own company, then it is advisable that you have professional insurance, which can also be referred to as professional indemnity insurance. Professionals are expected to possess extensive technical knowledge in their ...

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How the cost of Professional Indemnity insurance is calculated

... the cost of a Professional Indemnity (PI) insurance policy is calculated and ... that impact the cost of Professional Indemnity insurance ... more than another? We look some of the key factors that that impact the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated on risk factors and put simply, the higher the level of ...

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What is Professional Indemnity Insurance?

... Contractors, Management Consultants, Accountants, Estate Agents etc. Could this happen to your business? No matter how good you are at your job, we're all human and we all make mistakes. Professional Indemnity Insurance ...

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What does Professional Indemnity Insurance cover?

... matter how good you are at your profession. Professional Indemnity insurance is designed to protect you from a wide ... Damages and claimant costs awarded against you Civil liabilities which may arise from but are not limited ...

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Do I need Professional Indemnity insurance?

... for it or not, a claim must be defended - ignoring it won't go away. Don't despair. Professional Indemnity insurance is your best defence when faced with a claim. You get the assistance of an expert insurer by your side ...

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Professional Indemnity

... a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. PI Insurance will also assist with the legal costs associated with responding to or managing claims which ...

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Insurance for IT Professionals

... also becoming a more common requirement for independent contractors to hold and maintain their own Professional Indemnity insurance policies. Public Liability Insurance* Chances are you spend most of your time visiting ...

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Insurance for Disability Workers

... you a sole trader, contractor or carer possibly as part of the National Disability Insurance Scheme (NDIS), you could be exposed to risks which may result in a Professional Indemnity or Public Liability claim against you ...

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Business Insurance Guide for the Self-Employed - Part 1

... are a variety of business insurance [] ... of rectifying faulty workmanship Professional negligence Contractual liability Events occurring before or after the policy period Why do self-employed workers need to consider Public Liability insurance? Here are a ...

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Who is Covered Under an IT Liability Policy?

Information Technology Insurance Professionals in the information technology sector face potential liabilities from clients ... ... services IT recruitment and placement services What do IT Liability policies provide cover for? IT Liability insurance provides cover for a breach of the policyholders professional duty to a client in the performance of ...

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Insurance for Civil Engineers- what you need to know

... about what kinds of business insurance coverage you may need to ... ... working on a job or project. Issues with sub-contractors or lengthy delays with construction due to bad weather, ... to know the difference between Professional Indemnity and Public Liability insurance, as these are two very ...

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Insurance for Architects

... to a costly Professional Indemnity claim. Thankfully, Professional Indemnity insurance is designed to provide ... contact with clients, contractors and the general public. Public Liability insurance is designed to provide ...

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

Know you need business insurance but aren't sure how ... while and looking to buy insurance for the first time; there ... ... on: do you employ any staff, or rely on contractors or suppliers? The resources you rely on: what utilities, ... have a minimum level of Public Liability or Professional Indemnity insurance however, you may decide that you ...

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Insurance for Civil Engineers

... Liability insurance covers you anywhere within Australia. Insurance for Civil Engineers* Professional Indemnity ... contact with clients, contractors and members of the public. Public Liability insurance is designed to ...

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Protect your business with Statutory Liability Cover

... are many different types of insurance policies available to small businesses ... are unaware that there is insurance designed to protect against ... can afford to make. This is where Statutory Liability insurance comes into play – designed to help cover the ... the company's production line. Upon starting, the contractors received a 2-hour training course on safety and ...

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One way or both ways - which way to go on NDAs

By Justin Pasqualino Lawpath As an SME operator, you need to protect your confidential information in business relationships. This is where NDAs come in to play. Whether ... will provide your company with the trade secrets about their data processes and trade secrets. Neither you nor your contractor want this information to get out so as a result, you sign an NDA with them. One Way NDA ...

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all good

all good--Rommel L--Building Engineering Consulting Service (Except As Prime Contractor)

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all good

all good--Christos T--Building Engineering Consulting Service (Except As Prime Contractor)

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Great Work

Great Work--Shannon P--Building Engineering Consulting Service (Except As Prime Contractor)

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So easy

So easy--Cobus S--Building Engineering Consulting Service (Except As Prime Contractor)

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very easy to use

very easy to use--Stuart D--Building Engineering Consulting Service (Except As Prime Contractor)

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Managing Risk for Tradesmen

... business or working as a contractor often means you're exposed ... Running your own trade business or working as a contractor often means you're exposed to greater risk than ... having the right business insurance. Protect your livelihood Public Liability insurance is undoubtedly one of ...

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Misconceptions Around Professional Indemnity Insurance

... misconception is that the claims professional indemnity insurance covers are only the ... ... terms of professional indemnity insurance, as this means that if anything happens that causes them a loss, your insurance will pay for it. Such an example may be that you area private consultant and the contractor made ...

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Insurance for Electricians

... .50 in total. Had the electrician not held Public Liability insurance he would have been personally responsible for paying these costs. ^QLD Electrical contractor insurance requirement sourced from ESO (2016, August 19th ...

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Insurance for Tradesmen

... 're working as a contractor, you should also consider your contractual obligations to carry a minimum amount of Public Liability insurance. You may also be required to hold Public Liability insurance if you are a member ...

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Insurance for Personal Trainers

... the day'. Did you Know? As a fitness professional operating a business, you require permission from your ... , it's likely that Public Liability insurance is required if you operate as a contractor to a gym or fitness studio ...

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Insurance for Landscapers

... reputation. Are you a contractor? Consider your contractual obligations which may require carrying a minimum level of Public Liability insurance before you set boots on the job. Public Liability insurance may also be a ...

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Insurance for Painters

... usually cover the work of subcontractors. Therefore sub-contractors should consider maintaining their own public liability insurance. Insurance for Painters Public Liability Insurance* In the world of painting, it's a ...

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Public Liability Insurance for Cabinet Makers

... the right kind of business insurances in place. Regardless [] ... ... or a contractor, there are business insurance options to suit your business and its needs. Let's take a look at what is often one of the most important types of insurance for cabinet makers, Public Liability insurance ...

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Toolbox of Tips for Tradies National Health Month

Tradies National Health Month is an important campaign held every August in Australia each year, aiming to raise awareness around the health and safety of tradies. According ... . If you're a sole trader or contractor and not covered by Workers Compensation, that's where Personal Accident and Illness (PA) insurance comes into play. Personal Accident insurance* can provide levels of cover if as ...

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What is Civil Engineering

... ). They can work as private contractors or for construction and engineering ... ... between two general career paths; either contractor or consulting. The consulting civil engineer generally ... . Civil Engineers should also consider insurance cover options, including Professional Indemnity insurance.

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Personal Accident and Illness Insurance for Tradies

Does the thought of being off work for three months due to a major mishap with a nail gun horrify you? As far-fetched some accident stories may sound, the reality is ... -employed small business owner or a contractor, Personal Accident and Illness insurance is an important type of cover to ... Services Return to work assistance Reimbursement of professional or membership fees Let's face it, ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses ... ' activities. Failure in obtaining public liability insurance policy can expose a business ... interact with public space (construction, parks etc.), or welcome visitors and sub-contractors should check to see whether there is public liability insurance is in place first. In the trades industry, there may also be ...

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Professional Indemnity Insurance for Civil Engineers

... your pearls of wisdom and professional services. Like any profession there ... your services. As a professional, considering Professional ... you out of business. Below we'll explore Professional Indemnity insurance and how it can apply to your work ... a duty of care for the network of clients, contractors, other consultants and members of the public involved. One ...

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Top 5 Reasons for Having Professional Indemnity and Public Liability Insurance

... should hold and maintain Professional Indemnity and Public Liability insurance. #1 Protection against ... claims of negligence, malpractice and ... NHAA members should hold and maintain Professional Indemnity and Public Liability insurance. #1 Protection against claims of negligence, malpractice and professional misconduct Your service comes with an expectation ...

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What Tradies Need to Know About Public Liability Insurance

... the most common types of insurances for tradies, but do you ... ins and outs of Public Liability insurance and what you need to ... what is Public ... does Public Liability insurance typically not cover? Injuries to your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Events occurring ...

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5 Things to Consider When Buying Public Liability Insurance

Public Liability insurance. It's one of those ... your business? Not all Public Liability policies are the same and ... ... your State's relevant authority to know what is required. Public Liability insurance is also requirement for many industry associations and professional memberships, which will also stipulate the minimum level of cover ...

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What Limit of Professional Indemnity Insurance Do I Need?

... consumers is 'What limit of Professional Indemnity insurance do I need?' While ... . If you belong to a professional association, it is always ... a good idea to contact the association and check whether there is a minimum limit of Professional Indemnity Insurance you are required to maintain to comply with their compliance requirements. They may also be able ...

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Professional Indemnity Insurance 101: For Allied Health Professionals

... to protect yourself is with professional indemnity insurance. This type of policy ... ... any damages awarded as a result of the claim - no matter whether it's proven or not. Professional indemnity insurance gives people in the allied health professions, and their families, peace of mind that their assets are ...

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Sometimes Professional Indemnity Insurance is Needed

Professional indemnity insurance is handcrafted to provide coverage ... the policy holder due to professional carelessness or accusations. Sometimes ... that any potential policy holder needs to consider when deciding upon whether or not they should buy professional indemnity insurance is the potential financial loss that can occur as a result of legal fees whether or ...

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Professional Attire Insurance

... member of the Village People? There's now a revolutionary solution; Professional Attire Insurance, that covers you for any damage to your professional uniform, offering a rapid replacement service for any stain, torn or ...

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Additional Cover for Professional Indemnity Insurance

... Fernando for his certificates of insurance - it's just part ... is not only insured with professional indemnity, but also with the ... ... Skin Naturalé Lynn Ross also holds extra cover options to her professional indemnity insurance. Lynn purchased public and products liability (PPI) when she started her business selling natural and organic skincare ...

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Management Liability Insurance

... of a company. Think of it like this: where Professional Indemnity insurance covers the advice or service you provide to your clients, Management Liability insurance covers the risks that arise from running your business ...

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What is Public Liability Insurance?

... with other people while doing business in any way you should consider Public Liability insurance. For example:^ Consultants/Contractors/ Tradespeople who work from home or visit their clients' premises Businesses that ...

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Public Liability Insurance in Perth

... not covered by a Public Liability insurance policy: Injuries to your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Motor vehicle claims Events ...

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Public Liability Insurance in Brisbane

... not covered by a Public Liability insurance policy: Injuries to your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Motor vehicle claims Events ...

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Public Liability Insurance in Adelaide

... not covered by a Public Liability insurance policy: Injuries to your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Motor vehicle claims Events ...

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Public Liability Insurance in Hobart

... not covered by a Public Liability insurance policy: Injuries to your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Motor vehicle claims Events ...

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Public Liability Insurance in Darwin

... not covered by a Public Liability insurance policy: Injuries to your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Motor vehicle claims Events ...

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Public Liability Insurance in Port Macquarie

... That's why you should consider Public Liability insurance to provide the financial protection your business deserves. “Many thanks to Becky for her pleasant and professional service. She made the whole transaction quick ...

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How much Public Liability insurance do I need?

... terms of the contract. Many industry associations and professional bodies also require members to obtain and maintain a minimum amount of Public Liability insurance for membership or to meet licensing requirements. It ...

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Public Liability Insurance in Rockhampton

... not covered by a Public Liability insurance policy: Injuries to your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Motor vehicle claims Events ...

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Public Liability Insurance in Mandurah

... not covered by a Public Liability insurance policy: Injuries to your employees Damage to your own property Costs of rectifying faulty workmanship Professional negligence Contractual liability Motor vehicle claims Events ...

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Professional Indemnity Insurance for Consultants

A large number of people that start businesses, in Australia have been experiencing a steady growth in business for the past few years. One area that is growing in magnitude ... example, at some point you may want to add business insurance or public liability insurance for your own protection. When you buy a Professional Indemnity insurance policy, it usually is a good idea to look around until ...

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How much does Public Liability Insurance Cost?

... owners can expect to pay around $63.53 per month^ for Public Liability insurance. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is important for almost every kind of ...

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What is Product Liability Insurance?

... injury or property damage as a result of a product defect can be expensive, and without the right Product Liability insurance you could find yourself in hot water. If you operate as a sole trader, you will potentially be ...

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What does Public Liability insurance cover?

... you could well end up paying for the claim straight from your back pocket. Bear in mind that Public Liability insurance is designed for all types of businesses, not just those who work in an office or have a fixed ...

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Cyber Liability Insurance

... in 2018it might be time to bite the bullet and get the right cover for your business.i Cyber Liability insurance* is designed to help protect you from claims and support your profitability in the event of a cyber breach ...

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Public Liability Insurance Scenario

Just imagine: A phone call out of the blue. The caller has a voice you don't recognise. He's telling you he is hurt - badly - and you're responsible. You hang up. He ... story might have been avoided altogether in just a few minutes online. What Janine needed was public liability insurance or insurance that protects you and your business from being found liable to a third party for loss ...

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Don't let your business be an online target - what you need to know about Cyber Liability Insurance

While the terms 'cybercrime' and 'data breach' may not have existed 25 years ago, they are now commonplace threats facing small business. In fact, in 2017 approximately ... protect your business, using firewalls and anti-virus software to prevent attacks and data breaches, Cyber Liability Insurance will help you deal with the costs and expenses associated with a data breach. Breaches may ...

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Cyber Liability Insurance: the safety net small businesses need

It may have taken some time for the reality to hit, but the wider public is now starting to realise that hackers aren't just fictional brooding movie villains - they ... damage to your business by covering the expenses and legal costs that are associated with breaches. Cyber Liability insurance won't prevent an attack, but it will help businesses to manage the event effectively and be ...

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You’re a professional and there is no doubt you are good at what you do. However, mistakes happen even with the most professional operators

Professional Indemnity (PI) insurance* is an important form of protection for businesses that provide specialist services or professional advice.  It is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. PI Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy. 

Professional Indemnity claims can arise from simple things like giving incorrect advice, a miscalculation, incorrect diagnosis or treatment 

Professional Indemnity explained further…



Independent feedback from our customers rated our service at excellent.

What’s typically included?*

Depending on the Professional Indemnity policy selectedyour policy could cover: 

  • Payment of compensation as a result of a claim, including but not limited to Court awarded damages 
  • An award of legal costs against you  
  • Reasonable legal costs incurred in defending or responding to the claim 
  • Claim investigation costs 
  • Disciplinary proceeding costs 

What is typically not covered? *

  • Intentional damage  
  • Contractual liabilities  
  • Professional fees  
  • Known claims and circumstances 
  • Fraud and dishonesty 

Download Professional Indemnity Fact Sheet

How Much Cover Should I have ?

With BizCover you can choose policies with levels of cover between $250,000 to $10 million, from the leading insurers on our website.

When considering how much cover you may need you should think about:

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