Who is Covered Under an IT Liability Policy?

... Insurance Professionals in the information technology sector face potential liabilities from clients and ... so their systems work efficiently ... 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 ...

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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 ...

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Additional Cover for Professional Indemnity Insurance

... Fernando for his certificates of insurance - it's just part ... not only insured with professional indemnity, but also with the additional ... ... holds extra cover options to her professional indemnity insurance. Lynn purchased public and products liability (PPI) when she started her business selling natural and organic skincare products in 2013. Suppliers ...

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Professional Indemnity Insurance for Consultants

A large number of people that start businesses, in Australia have been experiencing a steady growth in business for the past few years. One area that is growing in magnitude ... 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 ...

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Business Insurance Guide for the Self-Employed - Part 2

... Navigating the world of business insurance can be confusing which is ... a guide to business insurance for the self-employed ... of cover to consider ... our guide , we explore the ins and outs of Professional Indemnity insurance. What is P rofessional Indemnity insurance * ? Professional Indemnity insurance is an important form of protection ...

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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 ...

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Insurance for Carpenters

... Insurance for Carpenters Public Liability One of the basic types of insurance carpenters need to consider is Public Liability insurance*. It provides cover for legal fees and ... Professional Indemnity insurance will ...

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BizCover expands into New Zealand and launches BizCover.co.nz

... online insurance marketplace in Australia and leading provider of online professional indemnity insurance, has ... announced today the launch ... in Public Liability, Statutory Liability, Employers Liability, Employment Dispute Liability and other associated insurance products. To obtain a quote for professional indemnity insurance , and get instant coverage ...

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Insurance for Plumber

... of your professional service or advice. Professional Indemnity insurance will also assist with the legal costs ... trade and items of stock Employers Practices Liability Employment Practices Liability (EPL) Insurance* is ...

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Insurance for Yoga Teachers

... Indemnity Insurance can protect against allegations of professional negligence to help safeguard your reputation - peace of mind for you and your business without having to bend over backwards. Public Liability ...

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Professional Indemnity for Real Estate Agents

... the Real Estate Industry Professional Indemnity Insurance provides essential financial protection against ... arising out of acts, errors and omissions ... Stock and Business Agents Act 2002 hold a minimum of $1 million Professional Indemnity Insurance with ... misrepresentation is plainly stated in the advertising material and liability on the real estate agent is easy to see ...

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Insurance for Disability Workers

... 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 ...

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Insurance for Architects

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

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Insurance for Civil Engineers- what you need to know

... about what kinds of business insurance coverage you may need to ... ... in the event of a costly claim. It is vital to know the difference between Professional Indemnity and Public Liability insurance, as these are two very different covers that offer protection for different types of risks ...

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Insurance for Finance & Mortgage Brokers

... by the policy. Professional Indemnity policies are available through BizCover that can meet the requirements of RG210. Public Liability* Public Liability insurance is a no-brainer for finance and mortgage brokers ...

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7 Types of Insurance Your Small Business Should Consider

... is Small Business Insurance. But what kind of insurance do you actually ... ... 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 ...

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Insurance for Consultants

... liability exposure , which may affect your personal assets if things go wrong. Insurance for Consultants Professional Indemnity ... 'll be exposed to potential mishaps and accidents - think of a client tripping ...

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Keep calm and stretch on with Yoga Teacher insurance

Breathe in, breathe out, and let a wave of calm ... of arranging your yoga teacher insurance go. As a yogi or ... business. Let us centre your insurance ... it up to chance and consider Professional Indemnity insurance to protect you and your business. What ... the risk of an accident happening, and that's why Public Liability insurance is equally important for yoga teachers. ...

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Insurance for Hair & Beauty Services

... your clients, making Public Liability insurance an important cover for hairdressers and beauty therapists. Public Liability insurance is designed to provide protection for you and your hair and beauty business in the ...

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Insurance for Nurses

... You 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 ...

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Insurance for Professionals

... 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). Public Liability ...

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Top 5 Reasons for Having Professional Indemnity and Public Liability Insurance

... NHAA members should hold and maintain Professional Indemnity and Public Liability insurance. #1 Protection ... against claims of negligence ... 5 reasons NHAA members should hold and maintain Professional Indemnity and Public Liability insurance . #1 Protection against claims of negligence, malpractice and professional misconduct Your service comes with ...

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Insurance for Engineers

... - the consequences (and costs) can be severe. Professional Indemnity insurance is designed to provide ... Liability insurance will provide protection to your company's directors and officers and potentially ...

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Understanding Insurance for Physiotherapists

... rely on your expert advice and services as a physiotherapist. You ... help ease their aches and pains from minor sprains to ... ... of your professional service or advice. Professional Indemnity insurance will also assist with the legal costs ... Public Liability insurance. Public Liability insurance is  designed to provide protection for you and your ...

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Understanding Insurance for Interior Designers

... using an eye for detail and a creative flair. Like any ... where having the right business insurance in place is vital. Let ... through the ins ... Professional Indemnity insurance* Clients hire you for your expert interior design skills and advice and no ... are meeting them on – site, Public Liability insurance is one of the main types of ...

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What are the Insurance Options for Land Surveyors?

... exceptionally hard, mistakes can occur and have the potential to lead ... the nature of the job and the potential of other work ... issues, protecting ... or potential safety issues. Professional Indemnity (or PI) insurance is an important cover for ... accountable. A Cyber Liability insurance policy is designed to help protect you from claims and support your profitability ...

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Insurance for architects- the blueprint to success

... the challenge of crafting plans and working on demanding projects where ... ... requires. Professional Indemnity Insurance Professional Indemnity insurance should be one ... something can go awry and the chance of a claim occurring. Public Liability insurance is an essential form ...

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Insurance for Civil Engineers

... Liability insurance covers you anywhere within Australia. Insurance for Civil Engineers * Professional Indemnity ... disablement or even death. Personal Accident and Illness insurance gives you peace of mind so you ...

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Insurance for martial art teachers

... made against you . Having Professional Indemnity insurance can help you respond to claims ... legal costs, investigation costs and court fees). Public Liability Insurance* There's no disputing ...

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Insurance Considerations for Personal Trainers

... your clients achieve their goals and transform their lifestyles, but it ... consider how to protect yourself and your business from the [ ... ... for $1,000,000 Professional Indemnity and $10,000,000 Public Liability. A combined policy can start at from as little as $21 a month. To find out more about these types of insurance and to get a quick quote from ...

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Insurance for pharmacy and pharmacists

... of medications, resulting in injury. Other Insurances for pharmacies Whilst Professional Indemnity and Public Liability insurance provides cover for legal liabilities arising from your practice as a ...

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

Know you need business insurance but aren't sure how ... business for a while and looking to buy insurance for the first ... ... as limits set by your professional body and any contracts that you have. Often they will require you to have a minimum level of Public Liability or Professional Indemnity insurance however, you may decide that you need ...

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Understanding Insurance for Graphic Designers

... graphic designer is an exciting and creative job but like other ... invest in your artistic talents and have high expectations when it ... , that ... of insurance to consider as a graphic designer. Professional Indemnity Insurance* ... , Public Liability insurance can protect you anywhere within Australia. It provides coverage for you and your business ...

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Insurance for Nurses

... PI cover for nurses and midwives must include: a) Civil liability cover b) Appropriate ... the period of insurance add up to and exhaust the specified Limit of Indemnity, then the Limit of Indemnity is 'reinstated ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... of your insurance to ensure that if the unthinkable happens and your ... ... insurance available for small businesses and the risk areas that they cover. Professional Indemnity ... to consider upping the level of your Public Liability insurance. Similarly, take into account any changes in ...

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Public Liability NSW

... small businesses by providing a stamp duty exemption on certain insurance products. The exemption applies to both Public Liability and Professional Indemnity policies. To be eligible (as that the time of publication ...

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Management Liability Insurance

... liability insurance* protects directors and officers and the insured company itself from the many exposures relating to the management of a company. Think of it like this: where Professional Indemnity insurance ...

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Beauty to go! What Mobile make-up artists need to know about insurance

... a wide range of clientele, and you can build your own ... of. But making people look and feel amazing is just [ ... ... brides in Brisbane knowing that you're covered and it usually comes combined as a liability package with your Professional Liability insurance. Portable Equipment Insurance As a makeup artist, you need your ...

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Small Business Insurance Index

... price increases in the business insurance market, SMEs are continuing to ... the cost of business insurance, the BizCover SME Insurance Price ... for their insurance, there have been changes within product groups and industries. The ... Liability insurance over the last few years, however this year the increases were minimal. SME Professional Indemnity insurance ...

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Finding the Right Business Insurance Can Be Hard but BizCover Makes it Easy

... quote can be done online and only takes a few minutes ... can protect yourself and your assets with business insurance. However, figuring ... . Some of the more common types of cover include public liability, professional indemnity , cyber liability, business interruption and tax audit insurance . In many cases, businesses will need to mix ...

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Insurance Premiums for Retailers Continue to Climb

Insurance Premiums for Retailers Continue to ... Small Business Insurance Price Index has been released (Graph 1), and similar ... an increase ... universal. Graph 1 – BizCover Insurance Price Index (Financial Year 2017 2nd Quarter) There was no change in the Professional Indemnity sector, but the index for Public Liability and Business Packs increased 4 ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... , jump online, compare quotes and buy the insurance that suits your business ... not ... or property. If you work from home, your home and contents insurance policy might not cover all the liabilities related to your business. As an example most home and contents policies do not cover you for bodily injury ...

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BizCover SME Insurance Price Index Q1 FY21

... trend of insurance price hikes. Whilst the Australian Small Business and Family ... Enterprise Ombudsman is running an inquiry into the availability ... here: SME Insurance Price Index Public Liability insurance is an essential cover for SME's and one that ... quarter for Professional Indemnity insurance. The one area that has seen ongoing fluctuations and an increase in ...

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Small Business Insurance Index Q2: 5 point increase, largest in 10 quarters

The Quarterly BizCover Small Business Insurance Index has shown that Australian ... enjoyed the end of declining insurance premiums with an increase ... sector with Public Liability and Business Packs (predominately covering perils and theft) increasing 4 ... It is a great time to be a buyer of insurance and if businesses are willing to obtain multiple quotes it is ...

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The Risky Business of Insurance

... clients, cash flow, staff, stock and future planning. Managing business risk ... and ensuring that a business can ... businesses are uninsured ... It's important to distinguish between 'must have' and 'nice to have' insurance. Examples of “must have” insurance: Public Liability – protects against legal and court costs in the event that someone is injured ...

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STABLE INSURANCE RATES A REASSURANCE FOR SMEs

BizCover's SME Insurance Price Index has unveiled a ... the COVID-19 pandemic with insurance rates remaining flat for a ... acquired from BizCover's ... quarter. Figures acquired from BizCover's SME insurance platform showed a decrease of 0.4 percent ... offset by increases in the cost of Public Liability and Professional Indemnity in other industries,” he said. BizCover' ...

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6 Areas You May Not Have Thought Business Insurance Covers

... to protect your business assets and revenue against potential risks that ... , such as fire, storms, theft and accidental damage. When insuring your ... business. You can tailor a policy to suit your needs and include other essential covers such as Public Liability and Professional Indemnity insurance to ensure you are not left financially responsible for the costs ...

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Insurance prices remain steady despite market predictions of higher premiums

... , the latest BizCover Small Business Insurance Index is showing little change ... stricter underwriting criteria and higher prices, excess capacity ... months, the latest BizCover Small Business Insurance Index is showing little change, with prices ... profitable small business sector.” Public Liability and Professional Indemnity prices have seen no significant movement ...

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Professional Indemnity Insurance for Civil Engineers

... 're an expert in construction and oversee the development of civil ... for your pearls of wisdom and professional services. Like any profession . ... potentially enough to send you out of business. Below we'll explore Professional Indemnity insurance and how it can apply to your work as a Civil engineer. Civil Engineering risks Within the engineering industry ...

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What Limit of Professional Indemnity Insurance Do I Need?

... is 'What limit of Professional Indemnity insurance do I need?' While this ... idea to contact the association and check whether there [] ... ... Costs in addition to the limit of Professional Indemnity insurance . You need to ensure your limit of Professional Indemnity Insurance is adequate to encompass both the claim and the costs in defending it. The nature ...

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How Does Professional Indemnity Insurance Benefit You?

If you are a professional and have your own company, then ... be referred to as professional indemnity insurance. Professionals are expected to possess ... , you should have professional indemnity insurance that provides coverage against lawsuits filed because of misrepresentation, negligence, inaccurate advice and/or violation of fair dealing and good faith. Therefore, if ...

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How the cost of Professional Indemnity insurance is calculated

... of a Professional Indemnity (PI) insurance policy is calculated and why one profession ... Professional Indemnity insurance. Insurance ... look some of the key factors that that impact the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated on risk factors and put simply, the higher the level of risks, the higher the ...

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Misconceptions Around Professional Indemnity Insurance

... is that the claims professional indemnity insurance covers are only the experiences ... not true, in this day and age anyone can sue anyone ... ... unhappy client, the word can spread like wildfire over the internet and community. This is where the value of professional indemnity insurance can be recognized. If you were somehow involved in consulting or advising ...

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Professional Indemnity Insurance 101: For Allied Health Professionals

Our optometrists, chiropractors and occupational therapists, as well as ... protect yourself is with professional indemnity insurance. This type of policy ... a result of the claim - no matter whether it's proven or not. Professional indemnity insurance gives people in the allied health professions, and their families, peace of mind that their assets are safe if they do face ...

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Sometimes Professional Indemnity Insurance is Needed

Professional indemnity insurance is handcrafted to provide coverage ... ... is why many people turn to a concept like professional indemnity insurance, which can cover and protect both parties where they need the coverage and protection most: Their bank account. In life, mistakes happen just ...

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Personal Accident and Illness Insurance for Tradies

... exposed to lots of risks, and if something does go wrong ... ... to take a substantial amount of time off work to recover, however, he fortunately had Personal Accident and Illness insurance and was able to claim $600 per week, which greatly assisted him whilst he was off work. In ...

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What is Professional Indemnity Insurance?

... your debut in front of the judge, make sure it's not costing you an arm and a leg! Do I really need Professional Indemnity Insurance? If you're getting paid for your professional advice or opinion then you need to ...

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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 ...

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A Guide to PI Insurance

... make Professional Indemnity Insurance simple (also known as errors and omissions insurance, PI or ... Professional Indemnity). What ... 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 ...

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Insurance for Car Wash and Auto Detailers

... (even if it occurs outside of your employment). Management Liability Insurance * Management liability insurance protects directors and officers and the insured company itself from the many exposures relating ...

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Insurance for Handymen

... 's expensive antique vase - the list of potential mishaps can go on! Public Liability insurance is designed to cover legal fees and compensation costs if a customer, member of the public or a supplier claims against ...

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Insurance for Landscapers

... is always a chance for things to go belly up. That's where Public Liability insurance comes into play . Public Liability protect s you and your business in the event a customer, supplier or a member of the ...

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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... independent professionals and small businesses to critical Professional Liability (E&O) insurance solutions ... . With unprecedented convenience ... to a new way of thinking, a new way of underwriting, and a new way of pricing professional liability insurance for independent professionals and small businesses. Our online model (made mainstream by the personal auto ...

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Insurance for Electricians

... to call in a plumber for emergency repairs to the pipe, and the occupants of the house were unable to stay there. Fortunately, the electrician had Public Liability insurance and was able to make a claim to cover the cost ...

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Insurance for Tradesmen

... re not going to be able to talk your way out of a Public Liability claim. 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 ...

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Insurance for Painters

... in place, providing you with protection for the risks you could be creating. Public Liability insurance is designed to protect you and your painting business in the event a customer, supplier or a member of the ...

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Business Insurance Guide for the Self-Employed - Part 4

... final piece of our Business Insurance for the self-employed ... Personal Accident and Illness insurance and Cyber Liability insurance ... for the self-employed guide, we take a look at Personal Accident and Illness insurance and Cyber Liability insurance. We share the ins and outs of why self-employed workers need to consider these forms of cover ...

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Insurance for Lawn Mowing Services

... , even on the smallest jobs. That's where Public Liability insurance comes into play, an essential insurance to protect your business for the legal fees and compensation costs if a customer, member of the public, or ...

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Insurance for Cleaners

... * Do you need it? The short answer is yes. Thankfully, Public Liability insurance is there to provide protection for you and your business in the event a customer, supplier or a member of the public is injured ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically ... things such as their legal liabilities and top of mind assets such ... ... or clients you're an exceptionally prime target. Cyber Liability insurance is a 'must have' policy for all kinds of businesses that have an online presence. And although it won't prevent ransomware attacks, it ...

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Insurance for Bookkeepers & BAS Agents

... From 1st July, 2011, the Tax Practitioners Board required Bookkeepers and BAS Agents to have Professional Indemnity (PI) insurance. Professional Indemnity insurance coverage helps to reduce the risk that an Agent will be ...

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5 Tips for getting the best Public Liability insurance for your business

... protecting your business and your customers with Public Liability insurance. It offers protection ... , or damage to their property. And whilst ... owner, there's no doubt you're aware of the importance of protecting your business and your customers with Public Liability insurance . It offers protection should a customer, supplier, or even member of the public, sue ...

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Professional Indemnity PPC Landing Page

Why do I need Professional Indemnity Insurance? Nobody is perfect, and we all make mistakes (even professionals!). That's why it's called 'Professional' Indemnity insurance, or PI. It's designed to protect people ...

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Insurance for Cafes

... your café to suppliers delivering stock. The reality is accidents can and 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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Insurance for Furniture Manufacturers

... is where business insurance comes into play and should be one of ... . The process of arranging your insurance can feel overwhelming at times ... you are exposed to a variety of risks and the last thing you want is a liability claim. Public and Product Liability (often sold together) are two types of business insurance to think about when protecting your business ...

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Public Liability Insurance Scenario

... is hurt - badly - and you're responsible. You hang ... ... been avoided altogether in just a few minutes online. What Janine needed was public liability insurance or insurance that protects you and your business from being found liable to a third party for loss, injury or ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... an overwhelming choice of policies and policy options [] ... you more than a few boxes of groceries! Public Liability insurance is designed to protect your business against such claims by covering your legal and defence costs, and any compensation that is awarded as a result of ...

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Do I need insurance for my market stall?

... treats to clothing, arts, crafts, and bric-a-brac, Australia has ... when it comes to markets. And with the festive season fast ... ... brand, you'll need to ensure you have the correct insurance before you can sing 'to market, to market we go ... cover - Public Liability and Product Liability. Public Liability Public Liability covers you for the ...

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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

Get instant quotes

Why do IT professionals need it?

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*

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:

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.

 

*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.

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.

IT professionals cover a broad range of modalities, including: