ICG and Aon

Insurance for members of the International Coach Guild (ICG)

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Or Call 1800 805 191
Mon – Fri
8:30am – 5:00pm AET

Special Offer: 15 months for 121

Get 15 months cover for the price of 12 when you take out a new Professional Indemnity and Public & Products Liability policy through Aon.1

Why do ICG members need insurance?

As a Coach, you play a vital role in helping people to achieve their full potential and work towards their life goals. However, it’s also important that you protect your business with appropriate insurance, through a broker that understands the risks your sector faces as well. Just as your service helps your clients through their challenging times, having adequate insurance in place will help you and your business weather rough times if you find yourself with a messy allegation of negligence and the resulting financial strain.

Aon is the approved insurance broker for the International Coach Guild (ICG) members. As sector experts, we have worked with industry bodies such as ICG to listen to the needs of coaches and negotiated with insurers to develop to cover that is easy to understand.

Why Aon?

ICG members Insurance. Easy.


Easy to Understand

  • Easy to digest information about what insurances your business needs and buy online
  • Or it’s an easy call to one of our experienced, friendly brokers on 1800 805 191 or email au.icg@aon.com 

 

Easy to Buy

  • Quick quotes available online
  • Purchase in just a few clicks
  • Options available to pay monthly4

Easy to Manage

  • Adjust your policy with a quick call
  • Request certificates of insurance quickly and easily

Why choose Aon for ICG Members Insurance?

When it comes to insurance for ICG members, there are a few options available to you, and deciding which ones you need might not be easy. Aon is committed to making life easier for you by arranging insurance that’s easy to understand, buy and manage, so you can get quotes and take out a policy online in just a few clicks. Or if you do need help, our team of friendly experienced brokers are a phone call away to help you understand what insurances you may or may not need, but more importantly, why; helping give you confidence that you’re making a better decision for you and your business.

What insurance should ICG members consider?

Professional Indemnity
(includes Public & Product Liability)
This provides cover in the event a third party alleges that you have been negligent in performing your services or giving advice, and as a result, they have suffered financial loss. Professional Indemnity insurance may cover the cost of legal representation, as well as compensation you’re required to pay as result of the claim.2
Public & products liability
(included in our Professional Indemnity package)
Public & products liability insurance provides cover for liability for third-party personal injury or property damage arising out of your business activities. For example, if a client or visitor was to slip and fall while on your business premises, you would look to this policy to respond to the claim.

While these events may seem rare, if they do occur, the financial impacts can be very significant. Public Liability is therefore a crucial cover to consider for any business which interacts with members of the public, whether that’s at their office, out in public, or at your clients’ homes.

The Product & Public Liability cover included in the Aon Health Combined Professional Indemnity, Public & Products Liability Policy includes $20 million combined Public and Products Liability limit per occurrence and $60 million in the aggregate.2
Business Insurance
Business Insurance is designed to protect your business and its assets (including equipment) against certain unexpected events. For example, it can include cover for damage to business premises and/or equipment caused by fire, storm, theft and other insured events.

A key part of this policy is Business Interruption, which can provide protection for lost revenue in the event your business is unable to operate as usual due to an insured peril.

Business Insurance is made up of a number of cover sections, and you can choose the sections that relate to your business. Cover is also available for damage to money (if you keep cash on premises), portable contents such as mobile phones and laptops, and Public Liability.2
Cyber Insurance
Cyber insurance helps2 protect you against loss from certain cyber related threats, such as unauthorised access to your computer system or network resulting in loss or theft of data.

As a Coach, you may store valuable client data (such as personal details and bank account details). When this type of personal information is kept digitally in your care, custody or control, it is important to consider the risks of data and security breaches. Cyber insurance may be worth considering when protecting your business against these risks.

Cyber insurance has now become one of the essential products a business in the health industry should consider.

Cover Benefits - ICG members
Combined Professional Indemnity, Public & Products Liability Policy

2 hours complimentary legal advice
You could save hundreds of dollars on outside legal costs with 2 hours of complimentary legal advice on risks insured under this Policy. Legal advice relating to your policy is not included.2

Flexible Professional Indemnity cover limits
Choose a level of Professional Indemnity that to suits you: $2 million, $5 million, $10 million or $20 million.2

No excess
No excess for certain claims against the Professional Indemnity or Product Liability section2

Public and Products Liability cover
$20 million combined Public and Products Liability limit per claim and $60 million in the aggregate2

Unlimited retroactive date
You may be covered for claims relating to events that happened before you purchased cover, as long as you weren’t aware of a claim or facts or circumstances which could give rise to a claim, before you purchased the policy.2

Subject to eligibility criteria and must be stated in the Schedule.

Run-off cover
You can be subject to claims for professional wrong-doing even after you retire or sell your business. Run-off cover extends your insurance policy for up to 7 years after your business ceases, to respond to claims which arose while the business was operating.2

FAQs

Frequently Asked Questions
Here are answers to some commonly asked questions by Coaches.
What level of complimentary legal advice do I receive?
A total of 2 hours of complimentary legal advice is offered if you hold the Aon Health Combined Professional Indemnity, Public & Products Liability Policy. You can call the Legal Helpline up to a total of 2 hours in each policy year, per policy, for legal advice on risks insured under this Policy. Legal advice relating to your policy is not included.2

The Legal Helpline is entirely confidential, and you'll be supported by a network of lawyers who work independently of Aon. This conversation will not impact the future cost of your insurance premium.
Why should Coaches consider Public & Products Liability insurance?
You know there are things in life that are out of our control, like accidents. There could be a loose nail, and someone could snag themselves on it, setting into motion any number of events that could lead you to being sued. You could be held liable if someone is injured or their property is damaged on your premises or because of your business dealings.

Public & Products Liability insurance provides cover for legal liabilities if a member of the public makes a claim that they were injured, or damage was caused to their property because of your business dealings or on your premises2.
Am I covered if I conduct home visits with clients?
If you conduct home visits to provide your service, the Aon Health Combined Professional Indemnity, Public & Products Liability Policy will extend to those visits.2 However, this may not be the case for all policies, so we recommend contacting your broker to confirm your coverage.
Explore more FAQs
Why might I need run-off cover?
Even after you've retired or are no longer practising, you could still be subject to claims which arise from when you were in business. Under the Aon Health Combined Professional Indemnity, Public & Products Liability Policy, run-off cover allows you to arrange complimentary run-off cover for a period of 7 years in relation to incidents that happened while you were practising.2
 
When will I receive my certificate of currency?
When you purchase your Aon Health Combined Professional Indemnity, Public & Products Liability Policy online you will receive your certificate of currency in minutes to your elected email address. If you purchase your insurance with one of our experienced brokers, the timeline may vary.3
 
How do I make a claim?
​You will find details of how to make a claim in the policy wording you receive from us. However, we also appreciate that having to make a claim can be a stressful time. That's why as your advocate we are always on hand to help with any questions. Please do not hesitate to call us on 1800 805 191 during business hours or email  au.icg@aon.com
 
What if I need to make a change to my policy?
It is important to keep your policy up to date with the changing shape of your business but also to keep your business and personal information up to date in the event of a claim.
Should your business circumstances have changed, for example you have moved into a new premises or you have changed the services that you offer and you are not sure if your existing insurance covers it anymore, then you can always call one of our experienced friendly brokers to discuss on 1800 805 191 or   au.icg@aon.com
 
How do I renew my policy?
Your renewal offer and schedule will be sent to you via your elected email address approximately 30 days before your renewal date. It is important at this stage to review the details of the insurer’s offer carefully (remember pricing and coverage levels may have changed so it is important to review). If you are happy with the offer and wish to accept, it is important that you pay for your renewal by the date specified on the tax invoice.
Thank you for looking into renewing your policy through Aon. It is greatly valued that you are pleased with the level of service and coverage you receive.
 
What should I do if I have not received my certificate of currency or renewal offer/documents?
Please accept our apologies. At Aon we strive to deliver best in class service, so we are sorry to hear you have not received your documents. Please request your Certificate of Currency here or alternatively contact us on 1800 805 191 or au.icg@aon.com and we will look to send your documents as soon as possible.
 
What are your opening hours?
Our opening hours are 8.30 a.m. to 5.00 p.m. AET Monday to Friday (except public holidays). If you need to contact us out of hours you can email us at au.icg@aon.com and we will pick up your query on the next business day.
 
Can I pay for my policy monthly?
Yes, you can, monthly payments can be arranged through a premium funding agreement with Hunter Premium Funding4 to help you spread the costs of your insurance across the year. Please note that the total overall cost is higher if you pay monthly. Contact us on 1800 805 191 or by email on  au.icg@aon.com

Contact


Call 1800 805 191

8:30am - 5:00pm AET
Mon - Fri (except public holidays) 

Email us

1Offer available to new customers who purchase the Aon Health Combined Professional Indemnity, Public & Products Liability Policy and who do not currently have a Professional Indemnity or Public Liability policy through Aon. Aon reserves the right to cancel this offer at any time.

2Subject to the full terms, conditions and limits of the policy. Please review the full policy wording for more information.

3We will process your certificate of currency request instantly but, depending on your internet speed and email server, it could take a few minutes to get to your inbox.

4Hunter Premium Funding is a third party independent of Aon, however Aon will receive a commission if you pay for your policy through a premium funding agreement with them.

The Aon Health Combined Professional Indemnity, Public & Products Liability Policy is arranged by Aon Risk Services Australia Limited ABN 17 000 434 720 (Aon) on behalf of the underwriter, AAI Limited trading as Vero Insurance (Vero) ABN 48 005297 807 AFSL 230859. If you purchase these insurance, Aon will receive a commission that is a percentage of the premium. Further information can be found in our FSG click here or provided upon request.