Professional Indemnity Insurance for Design Professionals

10% Price Beat Guarantee

If you are a design professional and provide us with a copy of your comparable professional indemnity insurance renewal quotation from another product issuer, we'll beat the base premium by 10% (conditions apply)


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Why choose Aon for your Insurance?

We care about your business

As a leading global insurance broker, we stand up for small businesses by negotiating with insurers to provide cover developed specifically for design professionals at competitive prices. We are so confident that the Aon Professional Indemnity Insurance for Design Professionals is competitively priced that we will beat the base premium in your comparable renewal quote from another insurer by 10% (conditions apply).

Our cover can provide protection for Architects, Building Designers, Interior Designers, Town Planners, Heritage Consultants and Landscape Designers.

We have your back

When you need us most we work with the insurer on your behalf to back your claim. When claims get tricky, we leverage our insurer relationship to advocate for a positive outcome for our clients. That’s when our expertise really helps!

   Protect your business and your reputation

You work hard to build your business and your professional reputation. An unfortunate reality is that just one small mistake, error of judgement, perceived piece of bad advice can lead to a claim against your business and potentially cost you both professionally and financially.

If you find yourself in this situation, the right professional indemnity insurance can help to protect you by covering the losses incurred by your business.

Aon’s Professional Indemnity Insurance for Design Professionals, backed by our commitment to offer you low prices, could be right for you.

How to claim your 10% discount with our Price Beat Guarantee

  1. Review the Price Beat Guarantee terms and conditions for eligibility criteria.
  2. Complete your application online or over the phone (call 1800 020 339) and provide the requested information, including your competitor quote and policy documents.
  3. We’ll verify your renewal and let you know if you qualify or if we need to ask you for more information.
Refer to the promotion terms and conditions for full details on how to apply or call us 1800 020 339.

Product features

The Professional Indemnity Insurance for Design Professionals can include the following features, subject to the full policy terms and conditions.

Flexible cover limits

Select cover from $1m to $10m for legal costs and claims for damages to third parties arising from an act, omission or breach of professional duty in the course of your business.


Public and Products Liability extension

Select cover from $5m, $10m or $20m for claims made against you by a third party arising from:

  • Injury or property damage from any premise you work from.
  • The sale or supply of a product that causes financial loss or injury

The public and products liability optional extension is only available where the Insured has taken out the professional indemnity insurance - meaning that it is not to be offered stand alone.

Automatic Reinstatement 

If a claim amounts to your cover maximum, your cover limit will be automatically reinstated.


Unlimited retroactive cover

Terms & Conditions as per underwriting guidelines apply. Cover for today, tomorrow and even yesterday.

If you’ve been in business for a while and have had continuous insurance, our design professional’s policy may support claims from before you purchased your policy – as long as you weren’t aware of the claim before you joined.

Cost Exclusive Limits & Excess 

This means the insured does not pay any excess towards the legal and defence costs but only pays the amount of the excess towards the settlement of any claim.


Automatic inclusion for vicarious liability for contractors & consultants

If you engage consultants, contractors, subcontractors or agents, you could be covered if they make any errors or omissions.

Frequently Asked Questions

Why do design professionals need Professional Indemnity?

Professional indemnity insurance can help to protect engineers, architects and other design professionals from the cost of a lawsuit or other claim when you make a mistake in servicing a client. If your professional indemnity policy responds in the particular circumstances, you may be covered for your losses up to the limit in the policy.

Is Professional Indemnity Insurance compulsory for design professionals?

Clients who wish to engage a service provider such as a design professional may want to see evidence that you have professional indemnity insurance. This provides them with comfort that, if you make an error in performing your work and a claim is made against you to pay for the damage caused, your insurer may be able to cover the bill. Certain professionals may also be required to hold professional indemnity insurance under law. 

What kind of circumstances which can lead to a claim?

Professional indemnity insurance can respond to the following types of claim:

  • fraud and dishonesty of your staff
  • libel, slander or defamation against a third party
  • loss of client documentation
  • error in documents you prepare for clients
  • legal liability for damages and claimants’ costs/expenses arising from errors or omissions/civil liability of your employees
  • incorrect advice to clients
  • acting without proper instructions from clients
  • failure to act in accordance with clients’ instructions
  • failure to advise clients
  • breaches of trade practices and fair-trading laws

However, every professional indemnity policy is different and you should always carefully review the full policy terms and conditions to see what you’re covered for. You should seek professional advice from an insurance broker if you are unsure about the suitability of your policy for your particular needs.

    *Eligibility for the Professional Indemnity Insurance for Design Professionals is subject to the insurer’s eligibility criteria from time to time and all product features and inclusions are subject to the full policy terms and conditions. The  Professional Indemnity Insurance for Design Professionals is arranged by Aon Risk Services Australia Limited ABN 17 000 434 720 AFSL 241141 (Aon) on behalf of the product issuer XL Catlin Syndicate 2003 at Lloyd’s. If you purchase this insurance, Aon will receive a commission that is a percentage of the premium. Further information can be provided upon request.

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