Liability And Indemnity Insurance

  • Trusted by over 220,000 small businesses
  • Up to $20M Professional Indemnity cover
  • Compare quotes instantly from some of Australia’s leading insurers

Compare quotes from our trusted insurance partners*:

Insurance for IT Professionals

... claim can be difficult to determine. BizCover is able to offer a liability package with combined Professional Indemnity and Public Liability insurance from the same insurer. That way, there can be no dispute between ...

read more

Who is Covered Under an IT Liability Policy?

... contracts between consultants and clients requiring these insurances in addition to professional indemnity. The benefit of having professional indemnity, products liability and public liability contained in the ...

read more

Professional Indemnity Insurance

... the lowdown on Professional Indemnity insurance* You're a professional and there is no ... and Officers Liability, Corporate Liability, Employment Practice Liability, Crime and Statutory Liability. Professional Indemnity ...

read more

PI And PL Insurance

... all! BizCover is on a mission to make understanding insurance and covering your small business easy as. With essential cover like Public Liability, Professional Indemnity insurance, and more, we can help you protect your ...

read more

Who needs Professional Indemnity insurance?

... We provide a range of competitive insurance options including Professional Indemnity, Public Liability insurance , Business Insurance , Cyber Liability , Management Liability insurance and many more. Jump online or give ...

read more

8 Facts About Professional Indemnity Insurance

... Indemnity cover from selected leading Australian insurers. Even better, you can compare other types of policies—including Public Liability , Business Insurance Packs , Cyber Liability and Management Liability —and ...

read more

Professional Indemnity Insurance for Consultants

... loss based on your advice may turn around and file an insurance claim against you. The result is that ... insurance or public liability insurance for your own protection. When you buy a Professional Indemnity insurance ...

read more

Professional Indemnity Insurance cost

... the cost are: Your business turnover and size The amount of insurance cover you require The individuals being covered ... of Professional Indemnity insurance by industry? Similarly to Public Liability insurance , your ...

read more

What does Professional Indemnity Insurance cover?

... : Damages and claimant costs awarded against you Civil liabilities which may ... insurance Acts of fraud and dishonesty Accidental injury and property damage What types of professionals need Professional Indemnity insurance ...

read more

Insurance for Social Workers

... Public Liability policy covers you anywhere in Australia so you can work with clients from Hobart to Hamilton Island! Insurance for Social Workers Professional Indemnity* Providing professional advice and services is ...

read more

Business Insurance Perth

... , wind). There are many types of business insurances to consider like Public Liability , Professional Indemnity , Business Insurance packs, Cyber Liability and other insurances* to help protect your business. What does ...

read more

Business Insurance Melbourne

... . There are a variety of different types of coverages like Public Liability , Professional Indemnity , Business Insurance packs , Cyber Liability and other insurances* to help safeguard your business. What does business ...

read more

Insurance for Contractors and Subcontractors

... work, it's up to you to set it right. And if something goes really wrong, you could be hit with an ... types of contractor or subcontractor insurance, such as Public Liability or Professional Indemnity, to work with them. ...

read more

Pros and cons of opening your own business

... while you don't need to know the ins and outs of the intricacies between Professional Indemnity insurance and Public Liability insurance , it's good to consider analysing what risks you could get covered by. Thankfully ...

read more

Insurance for Martial Art Teachers

... Art Teachers Combined Professional Indemnity and Public Liability cover available Coverage for training clients in your own home & anywhere in Australia Compare quotes from our trusted insurance partners*: Why do Martial ...

read more

Insurance for Psychologists

... a risk of professional liability . It only takes one unhappy client to disrupt your career and drain your assets if something does go wrong. Even if you're not at fault, Professional Indemnity insurance may be able to ...

read more

Insurance for Allied Health Professionals

... know? BizCover is the preferred insurance partner of the Naturopaths and Herbalists Association of Australia. If you're a NHAA member you'll save on your Professional Indemnity & Public Liability cover with our exclusive ...

read more

Understanding business insurance for bookkeepers

... professional service or advice. Professional Indemnity insurance will also assist with the legal ... were to occur. Cyber Liability insurance* is designed to help protect you from claims and support your profitability in ...

read more

Insurance for Engineers

... Indemnity insurance will pay compensation to a third party together with your defence costs (which can include legal costs, investigator costs and expert fees). Public Liability Insurance Do you need Public Liability ...

read more

Sole Trader Insurance

... Liability insurance. If you rent an office or other workspace, you'll probably be asked to show proof of insurance before signing a lease. Professional Indemnity ... . Personal Accident and Illness insurance can provide cover ...

read more

Insurance for Project Managers

... Misinterpreting data or plans This is where Professional Indemnity is likely to assist you. It is designed ... Liability Insurance Whether you work from an office or you're out and about onsite, Public Liability insurance ...

read more

Insurance for Software Developers

... Professional Indemnity and Public Liability policies, so there's no dispute over who should respond to claims. What types of insurance do software developers and programmers need? Software developers and programmers ...

read more

Insurance for Hair & Beauty Services

... quotes. Select your preferred policy and you'll be covered instantly, so ... Liability or Glass cover . To become a member of certain professional memberships you may need a certain level of Professional Indemnity insurance ...

read more

Insurance for Registered Migration Agents

... Indemnity policies with BizCover. Contact Migration Alliance for your exclusive discount code. Public Liability Insurance* Public Liability insurance ... which meant having to depart Australia and re-enter. The client claimed ...

read more

Insurance for Accountants

... insurance partners*: Professional Indemnity Insurance cost for Accountants Why do Accountants need insurance ... being hacked. Cyber Liability insurance helps to protect you from claims and supports your profitability in ...

read more

Insurance for Plumbers

... Liability Insurance* One of the first types of business insurance to consider is Public Liability insurance *. It is designed to provide protection for you and ... Indemnity Insurance* Professional Indemnity insurance ...

read more

Professional Indemnity for Real Estate Agents

... Stock and Business Agents Act 2002 hold a minimum of $1 million Professional Indemnity Insurance with ... the misrepresentation is plainly stated in the advertising material and liability on the real estate agent is easy to ...

read more

Does Public Liability insurance cover employees?

... Liability cover contractors. What does Public Liability insurance cover? Public Liability (also referred to as Personal Liability) covers you and ... them a loss. However, Professional Indemnity insurance (PI) may cover this. ...

read more

Do online businesses need insurance?

... Professional Indemnity insurance . This insurance typically covers you for losses claimed by a third party and defence ... with a limitation on liability will help to protect you, your assets, and your online business. 2 ...

read more

Does your lash business need salon insurance?

... Indemnity cover typically includes compensation to the harmed party and your defence costs (such as legal costs, expert fees, and investigator costs). Public Liability - This type of insurance covers legal fees and ...

read more

Business Insurance FAQs

... and Cafes? Buying Public liability insurance in NSW Buying Public liability insurance in QLD Buying Public liability insurance in WA What is Professional Indemnity Insurance? What does professional indemnity insurance ...

read more

Information Technology Liability Insurance

... clients fails. It is a combined policy that offers the protection of both Professional Indemnity and Public and Products Liability insurances*. It's designed to give you peace of mind, addressing the potential overlap of ...

read more

Allied Health Combined Liability Insurance

... against both kinds of risks. The Allied Health Combined Liability insurance product includes protection for Professional Indemnity and Public Liability insurance* and is available for over 200+ allied health professions ...

read more

Insurance for Consultants

... . Your Professional Indemnity policy , will ... 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 ...

read more

Insurance for Nurses

... are required to have your Professional Indemnity insurance with an adequate level of cover for your practice, and which includes the following: Civil liability cover Appropriate retroactive cover for otherwise uncovered ...

read more

Insurance for Disability Workers

... professional advice, relying on you to help them live their best lives. Having Professional Indemnity and Public Liability insurance as a disability support worker is vital important to provide protection for you while ...

read more

Insurance for Architects

... to a costly Professional Indemnity claim. Thankfully, Professional Indemnity insurance is designed to provide ... personally liable. Management liability insurance protects directors and officers and the insured company ...

read more

Insurance for Recruitment Consultants

... Indemnity Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by your policy. Public Liability Insurance Public Liability insurance ... activities and brings ...

read more

Insurance for Management Consultants

... your business. Some clients may require you to have Professional Indemnity and Public Liability insurance to work with them. Insurance requirements and minimum cover amounts may be written into their business contracts ...

read more

Insurance for Chiropractors

... applicable limits, your Professional Indemnity insurance will meet the associated ... $62.43 p/month is for $250K Professional Indemnity and $10M Public Liability cover for a self-employed Chiropractor in NSW earning ...

read more

Insurance for Civil Engineers

... Liability insurance covers you anywhere within Australia. Insurance for Civil Engineers* Professional Indemnity As ... .  Seriously. Built for small business We know insurance and what makes small businesses tick. We won't ...

read more

Insurance for Carpenters

... Liability cover is typically included in Public Liability policies. Professional Indemnity insurance Professional Indemnity insurance ... Accident and Illness insurance Personal Accident and Illness insurance can provide ...

read more

Public Liability

... visit your premises, or you going to visit them, providing your advice and services, then Public Liability and Professional Indemnity insurance may be two important forms of coverage your business needs to consider. Not ...

read more

7 Common Types of Small Business Insurance

... involves providing a service or advice, then Professional Indemnity (PI) Insurance is a must have. It protects professionals against liability for damages, and the legal costs associated with defending yourself against ...

read more

Do I need Professional Indemnity insurance?

... when it's all over. What does Professional Indemnity Insurance cover? Professional Indemnity insurance typically foots the bill for things like: Legal and defence costs Related claims investigation costs including those ...

read more

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 ...

read more

Earthmoving and Excavators Insurance

... 's an overview of some popular ones: Public Liability* Public Liability insurance is a common insurance coverage for all types of businesses. It covers legal fees and compensation costs if a customer, supplier or another ...

read more

Personal Accident and Illness Insurance

... activities that you participate in ). With BizCover, y ou can get quotes and P ersonal Accident and Illness insurance within minutes and once covered you will be protected 24/7! **Maximum limits apply Independent ...

read more

A Guide to PI Insurance

... is to make Professional Indemnity Insurance simple (also known as errors and omissions insurance, PI or Professional Indemnity). What is Professional Indemnity Insurance? Professional Indemnity Insurance is a form of ...

read more

Insurance for Registered Tax Agents

... requirements source from TPB tpb.gov.au/professional-indemnity-insurance-tax-agents on 8 August 2019 What could cause a PI claim? Errors and discrepancies on tax returns. Incorrect tax advice. Negligence in rendering ...

read more

How much does Public Liability Insurance Cost?

... criteria will apply.  Get a hassle-free quote for your business here. Given the various industries and occupations Public Liability insurance can cover, also means the cost of it can vary greatly. This is due to a ...

read more

Reviews related to Liability And Indemnity Insurance

  • You make life a lot simpler in choosing business insurance. Thank you.

    Paulus A
    Information Technology

  • Competitively priced and very easy to deal with. Website is intuitive but if I've needed more info I've always found the friendly staff very helpful too.

    Peter C Clay
    Information Technology

  • Such a simple and effective process

    Mark E Egan
    Information Technology

  • Very fast and efficient.

    Robert W Whitehead
    Information Technology

  • EASY TO USE AND VERY STRAIGHT FORWARD

    Rachele D Dorrington
    Information Technology

  • Web site so easy to use and process application especially comparing.

    Andrew F
    Information Technology

  • Very Quick and easy. Well explained

    Abhiram A
    Information Technology

  • So easy, and great rates too!

    Spencer H
    Information Technology

  • I'm in IT - this is a great site. It was extremely easy to use, and the experience was totally painless.

    Paul H
    Information Technology

  • Very easy to navigate , quote and purchase. Nice work !

    Anthony R
    Information Technology

  • Very responsive service and competitive insurance pricing. Thank you Wanda

    Wanda B Buza
    Registered Migration Agent

  • It was easy to obtain quotations and the insurance coverage from BizCover

    Terry D
    Auditing Services

  • One stop shop made it easy to get quotes and finalised insurance policies.

    Stuart G
    Information Technology Services (IT)

  • Very responsive service and competitive insurance pricing. Thank you Wanda

    Wanda B
    Migration Agency Service

Why do IT professionals need insurance?

Just because you’re 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, in minutes, is the quickest and most efficient way to secure great insurance cover for your business.

Did you know?

The nature of work undertaken by some IT professionals means the difference between a public or professional indemnity claim can be difficult to determine. BizCover is able to offer a liability package with combined Professional Indemnity and Public Liability insurance from the same insurer. That way, there can be no dispute between insurers as to which policy should respond to a claim.

Insurance for IT Professionals

Professional Indemnity insurance*

The IT world is a fast-changing environment, and whether you’re involved in project management, development, testing or analysing systems this kind of work can be risky business. Does your software code contain errors?   Was there a loss of documents or data as a result of your negligence? As the saying goes, the problem with troubleshooting is that trouble shoots back.

Professional Indemnity insurance provides much-needed financial protection for a wide variety of IT professions. It secures IT professionals and their businesses against claims against them for potential losses arising out of actual or alleged negligent acts or omissions in the provision of professional services or advice.  For claims covered by the policy, it does this by paying compensation due to the third party, together with assisting with defence costs (these are the reasonable costs incurred in investigating and defending a covered claim, including legal fees, expert fees and court costs). It is 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 your client’s offices. Public Liability insurance is designed to provide protection for you and your IT business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities.

Business Insurance*

If any of the following circumstances relate to your business then you should consider Business Insurance to provide additional protection:

  • Do you own the office where you work?
  • Does your commercial lease require your business to insure glass or building contents?
  • Do you carry or hold stock?
  • Do you rely on computing equipment/servers to get your work done?
  • If the answer to any of these questions is yes, you might want to consider Business Insurance for coverage of one or more of building, contents, machinery breakdown, repairs, theft, restoration or even business interruption insurance.

Cyber Insurance*

Consider the client information or data you may be storing. Do you have plan if your systems suffer a data breach, are hacked or subject to ransomware attack?  Perhaps you should consider if Cyber Liability insurance is right for your business. 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.

The wrong advice

An IT contractor was engaged to recommend and provide a management system for professional services client.

There were a number of problems with the system including crashes and loss of company and customer data. The client lodged a claim against the IT contractor for breach of contract and compensation for damages due to the lost data and loss of revenue whilst the client was unable to service his customers.

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

*The information provided is general only and should not be relied upon as advice. No guarantees are provided as to pricing for individual risks.
*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.
*Savings made in May 2023 on IT Liability policy. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
*Savings made in May 2023 on IT Liability policy. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
*Savings made in May 2023 on IT Liability policy. 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