Freelance Professional Indemnity Insurance

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Insurance for Consultants

... working as a sole-trader you are personally ... Professional Indemnity Insurance cost for Consultants? What is Professional Indemnity insurance? 7 Types of Insurance Your Small Business Should Consider Cyber Insurance ...

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Professional Indemnity Insurance for Consultants

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Insurance for the Self Employed

... for self-employed professionals who offer customised advice and services. You may be required to hold a minimum level of Professional Indemnity coverage to work in specific industries within Australia. Business Insurance ...

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Managing Risk and Liability as a Sole Trader

... the word 'product' will be a defined term in the policy wording. Professional indemnity insurance* Professional indemnity insurance protects sole traders against claims of negligence or breach of duty made by a client as ...

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Sole traders: How to overcome common challenges

... you to know the intricate differences between Public Liability insurance and a Professional Indemnity policy (unless your sole trader business is based around insurance broking). But what you probably do know is the ...

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Sole Trader Insurance

... for your client and an expensive claim for you! Professional Indemnity insurance is an important form of protection for sole traders that provide professional advice or specialist services. It is designed to respond ...

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Sole trader insurance myths, debunked

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Business Insurance

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8 Facts About Professional Indemnity Insurance

... in the provision of your professional service or advice. PI Insurance will also assist with the legal ... policy when it comes to Professional Indemnity insurance. Every business and sole trader is different, with exposures ...

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Insurance Considerations for Personal Trainers

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What is Professional Negligence?

... may be affected, and the role of Professional Indemnity insurance in protecting your small business. Professional negligence defined Negligence claims made against sole traders and businesses come in two forms: ordinary ...

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Insurance for Makeup Artists

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Insurance for Electricians

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Insurance for Tradesmen

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Insurance for HR Consultants

... HR consultants need? There are many types of insurance that HR consultants may consider, such as: Professional Indemnity insurance Professional Indemnity (PI) insurance is an important form of protection for businesses ...

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Business Insurance in Geelong

... still want to consider getting a policy. Professional Indemnity insurance can help you respond to claims of ... Victorian WorkCover insurance. However, Personal Accident and Illness cover can help protect sole traders who do ...

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4 smart ways to manage money as a sole trader

... sole traders looks at some simple actions you can take and some suggestions for improving the performance of your small business. When you’re self-employed ... a range of business insurance solutions designed to provide ...

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How to become a successful sole trader

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Winning your first clients as a sole trader

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Does a sole trader need an ABN?

... name for your business, it's very hard to look professional and present as a leading expert in your field. If ... sole trader business insurance or give us a call 1300 920 864 to see how we can help protect your sole trading ...

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Public Liability Insurance for Cabinet Makers

... insurances in place. Regardless if you are self-employed, a sole trader or a contractor, there are business insurance ... so, make sure you have your Public Liability insurance policy sorted before you pick up the tools and ...

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Top 11 tips for being successfully self-employed

... , an established business owner, an independent contractor, or a sole trader, BizCover can help you reduce your business risk via self-employed insurance made fast, easy, and cost effective. Choose BizCover to compare ...

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13 business ideas for self-employed carpenters

... and finish carpentry skills, even if they have a specialty skill. Sole Trader Carpenter Ideas Here are 13 business ideas for self-employed carpenters. 1. Framing Carpenter A framing carpenter, or “framer”, constructs ...

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8 tips for running your self-employed business

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Self-Employed Tradies Checklist Guide 2024

... four business structures available in Australia: sole trader (or individual); company; partnership; and ... Insurance ; Professional Indemnity ; and Personal Accident & Illness Insurance . Examples of when business insurance ...

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The key traits of successful sole traders

... who try to become self-employed and start businesses after ... sole trader insurance *. Take a look at our dedicated sole trader insurance page, or give us a call 1300 920 864 to see how we can help protect your sole trading ...

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How to become an independent support worker

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A guide to professional services business

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Tom-Mow’s Lawn Maintenance Wins BizGiver Grant

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6 marketing tips for your earthmoving business

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Why do welders need insurance?

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How much does Business Insurance cost?

... to those required by a sole-trader business operating within the professional services industry. One of the most common questions asked by business owners is: “How much does Business Insurance cost?” This is a difficult ...

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Insurance for Cleaners

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Insurance for Handymen

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7 marketing tips for sole traders

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Changing business ownership for sole traders

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Insurance for Cabinet Makers

... tailored insurance to suit your cabinet making business. Did you know? If you operate as a sole trader, ... Illness insurance Nobody really has the time to get sick or injure themselves, especially when you're self-employed, ...

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How to Start a Roofing Business

... business in Australia, including protecting it with roofing insurance . Why start a roofing company? Roofing ... Card Choose a business structure (i.e., sole trader, partnership, company, etc.) Apply for an Australian ...

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How to start a gym or fitness business

... as a personal trainer in Australia. You cannot legally give professional personal trainer advice if you if you haven't completed ... your business - whether it be a sole trader or a company structure. Your personal training ...

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The tradie's guide to getting paid on time

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How to Start a Business in QLD in 7 Easy Steps

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How to start a commercial cleaning business

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How to start a fencing business in Australia

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9 common startup costs for small businesses

... However, your personal assets are tied to your business as a sole trader, so it's best to weigh up your options and ... -risk work that needs to be adhered to a professional standard and can vary depending on the area you ...

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How to start a retail business

... liability and capital raising ability. 1. Sole trader The sole trader option is favoured for its simplicity and ... Establishing a company is a move towards a more professional setup. It treats your small retail business as ...

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How to start a business in South Australia

... insurance quote , by the end of this article, you'll hopefully learn how to start a small business in South Australia. 1. Seek the help of a professional ... traders and companies. Sole traders A sole trader is the most ...

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5 common risks consulting firms face

... liable for a claim made against you. Professional Indemnity insurance is there to cover the financial loss and ... skin in the game, it's essential that sole traders employ a financial safeguard to personally protect them in ...

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10 step guide to start an online business in 2024

... A company business structure is more complex than the sole trader structure and limits your liability because a company ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions ...

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How to start a business in Western Australia

... different types of business structures in Western Australia: Sole Trader – this is one of the most common and ... result of your negligent business activities. Professional Indemnity insurance * Covers you for losses claimed ...

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How to start a plumbing business

... ways to set up your business from being a sole trader plumber to operating as a subcontractor plumber for example. ... business activities. Professional Indemnity Insurance*- Professional Indemnity insurance is an important ...

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How to become a registered NDIS provider

... Indemnity insurance. Holding Professional Indemnity insurance and Public Liability insurance will provide you with protection while you help your clients achieve a better quality of life. Whether you are a sole trader ...

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How to start a window cleaning business

... stake when determining the price points for your professional cleaning services. Will you price your cleaning services ... for your company. In many cases, a sole trader or partnership can be the most cost-effective ...

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Insurance for Flooring Installler

... it easy for flooring businesses and sole traders to find business insurance that fits their needs. Get ... amount of cover you want or need Comparing multiple insurance quotes from different insurers is one way to learn ...

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How to become an independent contractor

... quick snapshot of the various types of structures, sole traders are generally seen as the easiest type of ... insurance contractors will be often required to have are Public Liability or Professional Indemnity insurance ...

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Reviews related to Freelance Professional Indemnity Insurance

  • 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

  • So easy. Being self employed, the efficiency was so satisfying unlike some companies having endless documents to fill out. Thank you!

    Camilla B
    Personal Fitness Trainer/Service

  • Easy

    Robbie C
    Contract Chef - Self Employed

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.

What types of insurance do consultants often consider?

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:

  • Agricultural Consultants
  • Agronomist
  • Anthropologist
  • Asset & Facility Management Consultant (Non-financial assets)
  • Auctioneer (Non-real estate)
  • Cartographer
  • Community Development Consulting
  • Corporate & Business Consulting
  • Cultural Consultant
  • Export Consultant
  • Film Production Advisory Consultants
  • Fundraising Services (for not for profit entities only)
  • Geophysicist
  • Land Economist
  • Land Surveyor
  • Life Coaches
  • Marriage Counsellor
  • Personnel Consultant
  • Photography (consultants and photographer)
  • Procurement Consultants and Probity Advisers
  • Public Relations
  • Resettlement Consultant
  • Residential Property Presentation Consultant
  • Safety Consultants
  • Shipping & Forwarding Agents
  • Social Worker
  • Telecommunications Consultants
  • Tourism Consultant
  • Valuers (antiques and art only)
  • Weight Loss Consultant

^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.

Common causes of claims

  • Providing inadequate or incorrect advice
  • Lack of appropriate due diligence & allegations of negligence
  • Misstatement or misinterpretation
  • Dissatisfaction with timeliness of completing work
  • Confidentiality breaches
  • Fraud and dishonesty
  • Conflicts of interest
*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.
*Savings made on 07/07/2023 on Professional Indemnity, Business Pack, Personal Accident & Illness and Cyber Liability Insurance policies. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply. ©2023 BizCover Pty Limited, All rights reserved. ABN 68 127 707 975; AFSL 501 769