The most common types of insurance for professionals are Public Liability Insurance and Professional Indemnity Insurance.
With our insurance for professionals, you can choose a level of Public Liability Insurance that suits your business. This cover is designed to help protect your business if you accidentally injure someone or damage their property at work.
To cover other parts of your business such as your work equipment, materials or vehicle, you can add cover options to your Public Liability Insurance policy.
We also offer Professional Indemnity Insurance to help protect your business if a service you provide causes loss or damage, like if you accidentally breach a client’s privacy or give out inaccurate financial advice.
Things can go wrong at work, regardless of your industry or how long you’ve been in business for.
Whether you’re an accountant, graphic designer, architect, fitness instructor or you offer another professional service, having insurance can help protect your business operations, cash flow and reputation in case certain things go wrong at work.
For example, your business insurance policy can:
Here are some of the covers available when you get your Business Insurance. You can mix and match to create a policy with the covers you’re looking for.
For compensation claims if your business accidentally causes an injury or property damage and you’re found to be liable for it2.
Covers insured property like buildings, contents or stock, for damage from fire, storms and other covered causes2.
For certain accidental breakages of items like your shopfront windows, glass shelving and display cabinets2.
Covers insured property like business contents and stock from loss or damage due to theft2.
Cover for certain loss (as detailed in your PDS), if your business is interrupted by specific types of damage2.
Covers insured property like tools and devices while they’re away from your business premises, against specific events like theft from a locked vehicle2.
Cover for sudden and unforeseen breakdown of your specified business machinery2.
Cover for your office’s computer systems or electronic equipment, for sudden and unforeseen breakdown or damage from specified events like fire or storm2.
This can provide you with a weekly benefit, if you can’t do your regular work due to a covered injury or illness2.
Cover for specified business cash, for loss caused by theft or accidental damage2.
You can insure the vehicles or trailers used in your business, with different levels of cover available2.
For professional costs if investigated or audited by the ATO or a government revenue office about taxes payable by your business2.
There are 3 ways to get a copy of your Certificate of Currency, Certificate of Insurance or tax invoice:
A Certificate of Currency is proof that you have an active policy.
A Certificate of Insurance shows what your policy covers, the amount covered and the period of cover.
Professionals will generally consider getting Public Liability Insurance and Professional Indemnity Insurance for their business.
Public Liability Insurance can cover you in case of accidental injury or damage you cause to others and their property, as well as legal costs. It also covers staff negligence (if you disclose your employees on your policy), which is useful if you hire other people as part of your business.
Professional Indemnity Insurance can cover you if you cause someone financial loss by providing negligent or mistaken professional advice or services.
It's up to you to choose the level of cover you need for your business. For Public Liability Insurance, we offer up to $5 million, $10 million, $15 million or $20 million of cover. If you need more cover, call us on 132 818.
For Professional Indemnity Insurance, you can choose up to $1 million, $2 million, $5 million or $10 million of cover.
You can search for your occupation when you get a quote for your business insurance.
If you can’t find your occupation or you have any other questions about getting business insurance with us, call us on 132 818.
Yes, Public Liability Insurance (also known as General and Products Liability Insurance) also covers injury or damage caused by a product you manufacture or sell.
For example, if you run a cafe and a customer gets sick from a coffee accidentally made with spoiled milk, or if you run a bakery and a customer gets sick after eating an unrefrigerated cake you made.
It depends. To find out more about tax deductions, consider speaking to an accountant or getting independent tax advice for your individual circumstances.
You can make a claim over the phone through our claims helpline.
For more information about making a business insurance claim with us, see our claims page.
Mix and match our policy cover options and pay your premium by the month at no extra cost
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Speak to our Australian-based consultants specialised in business insurance
Contact us by phone, web chat, at a branch or via our claims helpline
Can’t find what you’re looking for? We’re here to help.
Talk to us over the phone or chat to us online.
You can also ask us to contact you about a Business Insurance quote.
Our Business Insurance is flexible, and can be easily customised to meet your business’ needs.
You can choose from a range of options to cover your business, from Public Liability cover to protection for your work tools, commercial vehicles, and more.
Plus, if you get a new Business Insurance policy online you can save up to 10%1.
This is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determinations available from this website.
