Insurance for professionals

Accidents happen. Whether it’s a client visiting your office for a meeting and slipping down your stairs, or an employee knocking over a contractor’s specialised computer, you could be held legally responsible.

Our Public Liability Insurance,  included in our Public and Products Liability Insurance, covers you if a member of the public is injured, or their property is damaged, at your business premises or while using your products or services (this doesn’t include cover for professional advice). It covers compensation you’re legally liable to pay plus your reasonable legal fees.

Public Liability Insurance is automatically included with every Business Insurance Pack when quoted online. For a quote without Public Liability cover, contact our specialist Australian-based Business team on 1300 131 000.

From managing appointment bookings to storing client project work, computers and other electronic devices are essential tools for most professional service businesses. This is why an electronic equipment breakdown could easily bring your workplace to a standstill.

Our Electronic Equipment Insurance is designed to help cover the cost of repair or replacement in such an event, and cover the cost of hiring temporary equipment if needed to help minimise the interruption to your business. The cost of restoring data can be bought as an additional optional cover under Electronic Equipment Insurance.

Note: In order to add Electronic Equipment cover to your Business Insurance Pack, you’ll need to buy Commercial Property cover.

Many professionals, such as photographers, architects and engineers, have specialist equipment they must transport to and from their office or studio and their clients’ premises. This can include electronic tools and – provided they’re listed as Specified Items in the policy schedule – mobile phones, high-end computers and photographic equipment.

If these items are accidentally damaged, they can be a considerable expense to repair or replace. Our General Property Insurance can cover your equipment and tools, both in your office, and while you’re on the go. It provides cover if your insured property is accidentally damaged (or stolen in specified circumstances) in almost any location.

If you travel to visit clients, your car is critical to your business operations, so it’s important that it’s insured. Our Comprehensive Commercial Vehicle Insurance can provide cover for your vehicle in the event of accidental damage or theft, and your legal liability for damage to third-party property caused by your vehicle.

Choose from three types of cover: Comprehensive, Fire and Theft or Third Party Property Damage only.

Helpful tip: Do you use your personal vehicle for business purposes? Your personal car insurance may not cover you if a loss occurs while using your car in connection with your business such as driving to sites or client meetings to conduct your work. Check your personal car policy to see if you’re covered.

Call us on 1300 131 000 to cover up to 20 vehicles, or add up to two vehicles when you buy Public and Products Liability Insurance as part of a Business Insurance Pack online.

If your business has employees, workers compensation insurance is mandatory in all Australian states and territories. Our Workers Compensation Insurance can cover your employees if they’re involved in a workplace accident. We’ll work to support your business through the claims management process.

Note: Workers Compensation Insurance isn’t available under the Business Insurance Pack and will need to be bought as an additional policy.