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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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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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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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

... & reception services Beautician Consultants Dog walking Dog grooming Graphic designer Hair dresser Online shops Photographer Writers Web developer Insurance for Home Based Businesses Public Liability* One of the ...

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Business Insurance

... reception services Beautician Consultants Dog walking Dog grooming Graphic designer Hairdresser Online shops Photographer Writers Web developer Common types of insurance for home based businesses Public Liability* One of ...

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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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Professional Attire Insurance

... and even skid marks. Compare quotes from our trusted insurance partners: Do you normally make Frank Sinatra look like ... 372p.a The Wintour Package Provides top designer clothing replacements. Can auto-coordinate using ...

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Public Liability Insurance In Brisbane

... need of IT consultants. BizCover’s IT professionals insurance provides tailored coverage for your business, whether you’re a software programmer, website designer, project manager, developer, debugger or sell IT products ...

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Insurance for Mobile Food Vans

... the move doesn't mean you can't get the right insurance. With just a few clicks or a single phone call, ... damage to a customer if you spill a drink on their designer bag or phone. Please be aware that claims arising form ...

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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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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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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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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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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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Understanding run-off insurance

... 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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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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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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Management Liability Insurance

... : What's included & what's not? Get the right cover Could this happen to you? What is Management Liability Insurance?* Everyone loves a surprise, except when you are a company director. If you own or are involved in the ...

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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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Cyber Liability Insurance

... & what's not? Get the right cover Could this happen to you? What is Cyber Liability Insurance Cyber Liability insurance* is designed to help protect you from claims and support your profitability in the event of a cyber ...

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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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Insurance for Personal Trainers

... No matter how fit you are, accidents can still happen on and off the job. Personal Accident and Illness insurance  can provide levels of cover for loss of income, permanent disablement and even death if you are unable to ...

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What is Business Insurance?

... in a fire, storm or due to malicious damage or some other defined event listed in the policy. Glass Insurance Cover for breakage of internal and external glass and signage you own or for which you are legally responsible ...

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Public Liability Insurance QLD

... with third-parties like customers, suppliers and members of the public, then you may want to consider Public Liability insurance . It is designed to cover for all kinds of businesses, from the bakers in Mount Isa, to the ...

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Insurance for Electricians

... be at work or even when you're out and about enjoying your spare time. Personal Accident and Illness insurance can provide cover should you become permanently disabled or pass away as a result of an accident. Cover can ...

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Insurance for Massage & Alternative Therapies

... (think of that puddle of oil on the floor you forgot to clean up).  Having the right Public Liability insurance gives you peace of mind and financial protection for when your business needs it most. Remember, if you have ...

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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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Insurance for Hair & Beauty Services

... by your business activities to a third party It may also be a requirement to have certain kinds of business insurance in place as part of your rental agreement e.g., Public Liability or Glass cover . To become a member ...

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Business Insurance FAQs

... Equipment cover? What is Goods in Transit cover? What is Product Liability Insurance? What is Product Liability Insurance? Ready to sort out your Business Insurance? Your small business is a big deal to us. Get the right ...

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Housekeeping your insurance – A how to guide

... ? Like a lot of things when running a business, you tend to set and forget when it comes to your business insurance policy. This is where you need to sit down and review the amount of coverage you have in place, assess ...

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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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7 Facts about Professional Indemnity insurance

... by the policy? Are they qualified to perform the job? Claims history What is run-off insurance? There are a variety of insurance policies that are written on a 'claims made' basis. This means that they will only respond ...

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Understanding business insurance for bookkeepers

... , means there's a real risk of a privacy breach if a cyber attack were to occur. Cyber Liability insurance* is designed to help protect you from claims and support your profitability in the event of a cyber breach or ...

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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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Understanding Insurance for Retailers

... the finest frocks in town or an emporium of gifts, no retail business is immune from the risk of a n insurance claim occurring. We know how busy you are, so we've created this easy, go-to guide on understanding some of ...

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Understanding Insurance for Mortgage Brokers

... you hold and what the consequences would be if your business systems were hacked . C yber L iability insurance policy is designed to help protect you from claims and support your profitability in the event of a cyber ...

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Understanding Insurance for Real Estate Agents

... action temporarily due to an event such as a fire, would you still be able to earn an income? Cyber Insurance * When you are handling and storing client data, the implications for your business if there was a breach or ...

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Understanding Insurance for Physiotherapists

... ve worked hard to get your business going , so it pays to invest in looking after your contents. Contents insurance c overs your business contents or stock if they were damaged in a fire, storm or due to malicious damage ...

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BizCover SME Insurance Price Index Q1 FY21

... , there were some clear winners and some losers. The Full Report can be viewed here: SME Insurance Price Index Public Liability insurance is an essential cover for SME's and one that most can't afford to operate without ...

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BizCover SME Insurance Price Index Q1 FY20

... its highest in five years and transport costs increasing steadily. The increase did not affect the cost of insurance for small businesses on the BizCover platform as prices dropped to the lowest point in 24 months. The ...

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Public Liability Insurance for Cabinet Makers

... a contract or as a condition of entry to a worksite. If so, make sure you have your Public Liability insurance policy sorted before you pick up the tools and that you have the right level of cover required. What can ...

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Insurance for Furniture Manufacturers

... up and running , so without your business assets, how are you going to earn an income? Having suitable business insurance in place can help safeguard your business for when things don't go to plan and for when you need ...

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Small Business Insurance Index

... and Retail & Hospitality. Whilst all three groups saw have seen no increases in the overall prices for their insurance, there have been changes within product groups and industries. The Full Report can be viewed here . ...

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Dishing up the facts on food business insurance

... it can feel like there is an overwhelming choice of policies and policy options to choose from. Why do I need insurance for my food business? Whether you are serving up fancy dishes in a restaurant, coffees in a café or ...

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Small Business Insurance Price Index Q3

... Director of BizCover commented “While there is still an abundance of capacity and fierce competition in the insurance market, insurers have managed to hold onto their rate increases from last quarter. I suspect given the ...

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5 Tips for an Insurance Health Check

... wanting to do a general review of your business, it's worth taking time to do a health check of your insurance to ensure that if the unthinkable happens and your business is hit by a major event, you not only have the ...

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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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Legal Requirement for Public Liability Insurance

... or damage to a third party as a result of your business' activities. Failure in obtaining public liability insurance policy can expose a business to a range of risks. As a business, you will inevitably have interactions ...

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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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Insurance for Consultants

... ? 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 ...

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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 Architects

... yes. Chances are you'll have regular contact with clients, contractors and the general public. 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 in Parramatta

... not be relied upon as advice. ** 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 sourced ...

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Insurance for Carpenters

... in place to protect your carpentry business is a solid investment. At BizCover we offer a framework of insurance options from some of Australia's leading insurers, with quotes and cover arranged in minutes. Did You know ...

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Insurance for Car Wash and Auto Detailers

... and Tool cover Pay by the month option and policy documents emailed instantly Compare quotes from our trusted insurance partners: Why do car wash and auto detailers need it? The world of car washing and auto detailing ...

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Insurance for Retailers

... 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 IT Professionals

... busy programming, coding, testing, debugging or doing other techy stuff doesn't mean you can't get the right insurance. Being the IT person that you are, we don't need to convince you that getting multiple quotes online ...

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Insurance for Restaurants & Cafes

... enough to keep you busy day and night. Take the stress out of an ATO investigation with this insurance. Cyber Insurance* As a restaurant owner your exposure could be at the payment desk - with your eftpos machine hacked ...

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Insurance for Restaurants

... a melted ice-block on the floor, or a supplier tripping on the plastic mat in the prep area. Business Insurance* Even though you can't insure the ambiance you have created in your restaurant, you can insure the building ...

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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

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 of highly competitive prices right there on your screen.  Seriously.

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!

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 [email protected]. 

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.