Graphic Designer Insurance

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Professional Indemnity Insurance cost

... -$100 per month for their policy. Asking how much PI insurance costs is like asking what the length of a piece of ... on multi-million dollar developments; or a graphic designer consulting to small-scale organisations? Do you ...

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Do I Need Public Liability insurance?

... Ensure you are capable of handling a Public Liability claim, regardless of whether it is true, with Public Liability Insurance. Let the insurers and lawyers take care of the claim so you can get back to what you do best ...

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What is Professional Indemnity Insurance?

... ? No matter how good you are at your job, we're all human and we all make mistakes. Professional Indemnity Insurance allows you to cover yourself if and when you do slip up in your normal course of work. Here are a ...

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Do I need Professional Indemnity insurance?

... 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 to ...

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Professional Indemnity Insurance

... costs (which can include legal costs, investigator costs and expert fees). When it comes to making a claim on your insurance, we understand that it can be a difficult time and that's why we want to make it as stress-free ...

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Understanding Insurance for Graphic Designers

... and how they can help protect your business. Why do graphic designers need to consider insurance? There's a lot of pressure to get the job done right as a graphic designer and the last thing you want is an unhappy client ...

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Home Based Business Insurance

... services Beautician Consultants Dog walking Dog grooming Graphic designer Hair dresser Online shops Photographer Writers Web developer What types of insurance do home businesses typically consider? Public Liability ...

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Business Insurance

... services Beautician Consultants Dog walking Dog grooming Graphic designer Hairdresser Online shops Photographer Writers Web developer There are many types of insurance that home-based businesses consider, such as ...

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Why do landscape designers need insurance?

... reduce your exposure to on-the-job landscape design risks. Four essential types of landscape designer insurance As a landscape designer, it's likely you visit various sites and meet with clients at your office, their ...

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How to become a landscape architect

... a comprehensive guide on how to become an architect designer . What do landscape architects do? Landscape architects ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...

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Understanding Insurance for Interior Designers

... so we have narrowed down some of the main ones you may need to consider as an interior designer. Professional Indemnity insurance* Clients hire you for your expert interior design skills and advice and no matter how much ...

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Insurance for Mobile Food Vans

... to a customer if you spill a drink on their designer bag or phone. Please be aware that claims arising ... mobile food van!).  It is not uncommon for theft insurance to require the item stolen to have been securely stored ...

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How to obtain a builders licence in Queensland?

... three steps. Download and complete the Builder and Designer Experience Form from the QBCC website. Complete the ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...

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How to start a business in South Australia

... to be a barista in the Barossa Valley or a graphic designer in Glenelg, there are some things you might want to ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...

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6 marketing tips for your earthmoving business

... engage a professional web developer or digital designer. Such qualified individuals will be able to ... any drama. While BizCover gives you the power to buy business insurance online in 10 minutes, we're always up for a chat. ...

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How to market professional services

... worth engaging a professional web developer or digital designer if you decide to overhaul your existing company ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...

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NEIS Change Awards 2016

... on a National television, worked as a guest teacher at a high school and is planning to hire his own junior designer as his business grows in the next year. We wish all our 4 finalists the best of luck. The Winner will ...

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How to become a painter and decorator

... contemporary look, or a traditional appearance. Designer painters: Your painting skills don't have ... without missing a step. Get your painter and decorating insurance * sorted without hassle nor drama with BizCover. While ...

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What is a Cabinet Maker?

... Use? A cabinet maker must be an elegant designer with woodworking talent using multiple tools. They typically ... lit, and ventilated for health and safety concerns. Insurance for cabinet makers is also available. What is ...

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Public Liability Insurance Explained

... as well as defence costs (to the assessor and lawyer) of $30,000. Without the public liability insurance, the graphic design business would have been liable for over $100,000! * This information is a general guide only ...

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Public Liability Insurance VIC PPC

... to simply get an instant online quote. *We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

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Public Liability Insurance NSW

... ! The last thing you want to think about is paying for unexpected accidents - they do happen! Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a ...

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Business Insurance Perth

... were to occur at your business premises, even if this is at your home-based business. Public Liability insurance can provide peace of mind and protection from potential claims for accidental injury or damage to a third ...

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Business Insurance Melbourne

... if a potential claim were to occur even if this is at your home-based business. Public Liability insurance can provide peace of mind and protection from potential claims for accidental injury or damage to a third-parties ...

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Insurance for Tutors

... Tutors need it? While you take all the care to deliver professional advice and services to your students, an insurance claim can have a devastating impact on your tutoring business. Don't learn your lesson the hard way - ...

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The benefits of Professional Indemnity insurance

... takes is for a claim to send it all crashing down. Avoid the drama by having your Professional Indemnity insurance there to cover the cost of the claim. With some policies the cost of related public relation expenses may ...

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What is run-off insurance and who needs it?

... means they only cover claims which are made while the policy is active. The purpose of the Run- Off insurance is provided cover that extends beyond the last date of your business trading if I claim were to occur. Not ...

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Public Liability Insurance WA

... Trades & Service industry in WA pa id around  $70.82 per month in 2018 for Public Liability insurance through BizCover . There is a wide variety of occupations classified within this industry, with each occupation having ...

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Cyber Liability Insurance

... to you? Hackers are alive and well and get a thrill out of making business owners sweat. Cyber Liability Insurance can assist in managing your risk and help you rest easy knowing your business is covered from even the ...

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Insurance for pharmacy and pharmacists

... premises during business hours. Prefer to talk? Call us and talk to a real person. Friendly, helpful service from a business insurance professional. 1300 249 268 Mon-Fri 8.30am-7.00pm Sat 9.00am-5.00pm *As with any ...

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Insurance for Pet Professionals

... associated with your business. These can include tools of trade and items of stock. Personal Accident and Illness insurance Take a moment to consider if you were to suffer an accidental injury or fall ill. What impact ...

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Information Technology Liability Insurance

... claims by third parties relating to property damage or personal injury caused by your products. Product Liability insurance usually forms part of a Public Liability policy and the word 'product' will be a defined term ...

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Insurance for Personal Trainers

... storm or due to malicious damage or some other defined event listed in the policy. Personal Accident and Illness Insurance Your body is your business. If you were to seriously injure yourself or fall ill it is likely you ...

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What does Public Liability Insurance cover?

... expensive (the example above could easily cost well over $ 50 , 000 ) , and not having Public Liability insurance means you could well end up paying for the claim straight from your back pocket . Bear in mind that Public ...

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Public Liability Insurance NSW

... in the 220,000 small businesses we have helped already… and counting. Built for small business We know insurance and what makes small businesses tick. Clear and competitive pricing You can compare and choose from a range ...

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Personal Accident and Illness Insurance

... what's not? Get the right cover Could this happen to you? Protect you r income With Personal Accident & Illness Insurance* As the old saying goes, a ccidents do happen ! A simple spot of DIY around the house could result ...

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Insurance for Dog Grooming

... to work due to an accident or illness, you can rest easy knowing that your Personal Accident and Illness insurance can help cover loss of income. No matter where the accident occurs, you're covered to keep paying those ...

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Insurance for Disability Workers

... or Public Liability claim against you. We know, sometimes you just want a quick idea of how much your insurance is actually going to cost. However, it's important to note that the data included within this article was ...

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Who needs Professional Indemnity insurance?

... or an omission in the delivery of your professional advice or services. Why do I need Professional Indemnity insurance? Take a moment to consider the time and money that is involved with a claim. The financial impact ...

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8 Facts About Professional Indemnity Insurance

... peace of mind, knowing that you're protected after you've closed up shop. 8. Getting your Professional Indemnity insurance sorted is easier than you might think. Gone are the days of ringing insurers one at a time to get ...

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6 ways to save money on tradie insurance

... On the other hand, make sure your provider knows if you are going to be taking on riskier work in the next insurance period. It might cost you more in premiums, but if you don’t let them know you may find that any claims ...

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The risky business of insurance

... ill as a direct result of their job. Any business with employees are required to have WC How you buy insurance can save you time and money Shopping around to compare what's covered is an important part of the process ...

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Public Liability Insurance Scenario

... says nothing could be worth that amount of anguish. “If I had been responsible and set my business up with the insurance I needed, it would have been a very different story for me,” Janine says from her new home in South ...

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BizCover Disrupts Insurance by Commoditising it

... a number of big companies. Any deal would allow these new players to use BizCover's website to sell insurance products underwritten by AIG, Allianz, QBE and Vero. Now in its eighth year, BizCover, which employs 27 staff ...

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Cyber Insurance: Is it worth it?

... or vendor relationships and processes customer-sensitive (non public) information, you need it. Isn't my other insurance cover enough? Take time to review your current policies—especially the exclusions—and you'll likely ...

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Professional Indemnity Insurance for Consultants

... are at risk.One way to ensure that this never happens to you, is by purchasing something called Professional Indemnity Insurance , this is a very safe option to assure you are covered in the event that someone files suit ...

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A Guide to PI Insurance

... 't know if they are getting the best deal. This is where BizCover steps in to satisfy your Professional Indemnity Insurance needs. BizCover allows you to get live online quotes in under 2 minutes , and purchase in only a ...

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Insurance for Convenience Stores

... can provide you and your business peace of mind when you need it most.Do you need Public Liability insurance? The short answer is probably yes. Chances are you'll have regular contact with clients, contractors and the ...

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Insurance for Marketing Consultants

... visit you, or you are getting your dose of vitamin D by heading out to meet them, Public Liability insurance is important to your business. It is designed to provide protection for you and your marketing business in the ...

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Insurance for Civil Engineers

... illness can strike without any warning, often resulting in time off work to recover Personal Accident and Illness insurance can provide cover if, as a result of an unexpected injury or illness (even if it occurs outside ...

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Insurance for Manufacturers

... stock, plant and machinery, records and furniture belonging to you at the insured location. Building - this type of insurance will cover for loss and damage to buildings you own, as a result of an insured event (such as ...

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Insurance for Carpenters

... completed by you or your business or any refund of the fees charged by you to complete the job. What insurance do carpenters need to consider? Get to know the common types of cover that carpenters often add to their ...

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Insurance for Makeup Artists

... own salon, rent a space in a beauty or hair salon or provide a mobile makeup service, makeup artist insurance is the foundation to ensuring your small business doesn't go belly-up if something else does. Did you Know ...

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Insurance for Car Wash and Auto Detailers

... associated with your business. These can include tools of trade and items of stock. Personal Accident and Illness insurance* Take the time to think about how your business would function if you were unable to work due ...

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Insurance for Cafes

... Building* - If you are the owner of your café's building, consider insuring one of your biggest assets. Building insurance will cover for loss and damage to buildings you own as a result of an insured event (such as fire ...

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Why insurance premiums are on the rise

... on as they are hit with this newfound uncertainty. 3. We are facing economic changes Another reason your insurance premiums may be increasing is due to the many external economic forces at play that affect insurers . One ...

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Workers Compensation Insurance

... .au/WorkersCompensation/Insurers/Pages/default.aspx TAS http://www.workcover.tas.gov.au/insurance/licensed_insurers/forms_for_licensed_insurers SA Workers Compensation claims are handled by two claims agents- Employers ...

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Introducing Social Media Insurance

... try to make a sale out of a day of grieving , or trying to jump on a politically charged bandwagon . The insurance will cover your costs of PR to rebuild your brand, costs of loss of sales and other costs in the case of ...

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Public Liability Insurance QLD

... last thing you want to think about is for unexpected accidents - but they do happen. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member ...

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How much does Business Insurance cost?

... of 790 and 942 businesses respectively. We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

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Business Insurance the Smart Way

... each policy if you use the code SMART50 and a dedicated point of contact to help you with any insurance questions you might have. BizCover works for you by: Compare multiple providers and buy your policy online in just ...

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How much Public Liability insurance do I need?

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

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How much does Public Liability Insurance Cost?

... cause injury or property damage to clients or members of the public. It is important to note that each insurance company assesses risk in different ways. What one insurer may consider as a high-risk occupation may not be ...

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Professional Indemnity insurance

Professional Indemnity insurance is designed for professionals who provide a specialist service or advice, providing protection for financial loss and legal costs in the event of a claim. This claim may be a result of an actual or alleged negligent act, error or omission whilst providing your professional service or advice.

Here’s the lowdown on Professional Indemnity insurance*

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 claims can arise from simple things like

  • giving incorrect advice
  • a miscalculation
  • incorrect diagnosis or treatment
  • an act, omission or breach of duty
  • engaging in misleading or deceptive conduct
  • loss of documentation
  • inadvertently defaming someone
  • failing to meet a deadline
  • not meeting your clients expectations

Professional Indemnity explained further…

Excellence in Customer Service


Independent feedback from our customers rated our service at excellent.

What’s typically included?*

Depending on the Professional Indemnity policy selected, your policy could cover you for liabilities arising from but not limited to: non-intentional or non- deliberate professional misconduct such as:

  • Providing your client with misleading or negligent advice
  • Breaching your professional duty
  • Confidentiality and other privacy breaches
  • Defamation, libel or slander
  • Loss of or damage to documents
  • Infringement of intellectual property
  • 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
  • Depending on the type of Professional Indemnity insurance policy you have, it may extend to provide cover for public relation costs to help protect your business’ reputation

For allied health professionals your Professional Indemnity insurance policy extends to provide cover for bodily injury or illness claims arising from the professional services covered by the policy.

What is typically not covered?*

  • Intentional damage or misconduct
  • Contractual liabilities
  • Professional fees refunds
  • Known claims and circumstances that may have occurred prior to the period of insurance
  • Acts of fraud and dishonesty
  • Accidental injury and property damage ( these kind of claims would typically be covered by Public Liability insurance)

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:

  • What are the potential risks (what could go wrong) and what could be the potential cost of a claim if something does go wrong?
  • The value of projects you work on or the value of your services
  • Any statutory requirements for your profession
  • The requirement of any professional body or association of which you are a member. Remember, as your business grows it is important to reassess your exposure to risk and increase your level of cover accordingly.

Why choose BizCover for your Professional Indemnity insurance?

BizCover - Built for Small Businesses

Built for small business

We know insurance and what makes small businesses tick.

BizCover - Clear and Competitive Pricing

Clear and competitive pricing

You can compare and choose from a range of highly competitive prices right there on your screen. Seriously.

BizCover - Cover to match your needs

Cover to match your needs

You can tailor policies from selected Australian insurers to suit the needs of your business, and we are there to help!

BizCover - Real People

Real people adding real value

Our friendly service team is on hand and on a mission to make you smile!

Frequently Asked Questions on Professional Indemnity Insurance

Professional Indemnity insurance* can protect those who provide professional advice or services to their clients. Some of these traditional occupations include accountants, architects, engineers and many more. 

Even for those in more hands-on professions like life coaches, consultants and event managers can still consider the benefits of Professional Indemnity insurance.  

Regardless of which industry you operate in, as a professional, you have a responsibility to deliver professional advice and services of the highest quality. A professional indemnity policy is intended to provide financial protection if a client were to make a claim against you for negligent acts or omissions in the provision of your professional service or advice. Could your business afford the legal fees and associated costs that come with a claim?

Professional Indemnity insurance is not always mandatory requirement.  However, for some professions it is a legal requirement or a mandatory requirement as part of the professional licence or membership to the relevant industry association. It can also be a contractual requirementIt is always best to check with your relevant industry body if it is a legal requirement and if a minimum level of cover is required. 

When it comes to the cost of your Professional Indemnity insurance, there’s no one price fits all policy. Every business is different, with each occupation carrying a different level of risk. The general rule is – the higher the risk, the higher the premium. 

These factors can also impact the cost: 

  • Your business revenue  
  • Size of your business 
  • Amount of coverage required 
  • Who is being covered by the policy? Are they qualified to perform the job 
  • Claims history 

 You can find more information here on Professional Indemnity cost and pricing factors. 

While both types of policies are there to protect your business against third-party claims that may occur from your business activities, they cover very different liabilities.  

Public Liability insurance* protects your business if a customer, supplier or member of the public are injured or sustain property damage as a result of your negligent business activities. It also assists with the legal costs associated with managing claims covered by the policy. 

Professional Indemnity insurance 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. It will also assist with the legal costs associated with responding to or managing claims which are covered by the policy.  

Management Liability insurance* protects directors and officers and the insured company itself from the many exposures relating to the management of a company. Owners and those responsible for the management of a company have specific responsibilities which can result in personal liability for alleged or actual wrongdoing. 

Management Liability is often offered as a packaged product including Directors and Officers Liability, Corporate Liability, Employment Practice Liability, Crime and Statutory Liability. 

 Professional Indemnity protects you against losses claimed by a third party due to alleged or actual negligence or errors in your professional services or advice.  Your Professional Indemnity insurance will meet the associated compensation payable to a third party together with your defence costs (which can include legal costs, investigator costs and expert fees). 

When it comes to making a claim on your insurance, we understand that it can be a difficult time and that’s why we want to make it as stress-free as possible. To help guide you through, we’ve created a simple outline of the claims process. 

Start the claims process by downloading and completing our claims form 

 Please email the completed form to our friendly claims team at claims@bizcover.com.au. 

We process all our claims online so you can lodge it anytime, 24/7.  

Leave the rest with usOnce we receive the claim form, we then manage the claim directly with the insurer. We pride ourselves on handling claims promptly, keeping you up to date every step of the process.  

Top tips to help speed up the claims process: 

  • Fill out the form correctly with all the required details, as accurately as possible. 
  • Include any relevant documents, photos, invoices etc. 
  • Check your policy excess. If the amount you are claiming for is less than the excess, then it may not be worth claiming.
 This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.