Every decision has consequences

Good citizenship is more than just compliance. It’s about the greater good and moving past your own needs.

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CAs have a role as global citizens, to uphold ethics and integrity, and they know that every decision has consequences.

Aon can support CAs on this journey by helping them to make better decisions around risk and insurance, which ultimately benefits their business, clients, staff and the economy. We can be a long-term risk partner for you, providing risk advice, claims support, resources and access to our team of Chartered Accountant insurance specialists.

Resources to facilitate better decision making

Insurance cover and exclusive offers for CA ANZ members

Professional Indemnity
This is the most basic form of cover for accountants. Professional Indemnity may cover you in the event a client alleges your service or advice caused them financial loss. For example, if you make a mistake in calculating tax for your client, which leads to them being fined, your client may take legal action against you for the loss. Professional Indemnity Insurance in this instance would not only include cover for the legal fees to defend you in this case, but also financial compensation you’re required to pay.2 If you are a member of CA ANZ, you get 15 months cover for the price of 12 when you take out a new professional indemnity policy through Aon.1
Public Liability
This may be a requirement for any business that deals with members of the public. It includes cover against claims where a client or a member of the public alleges your business activities caused them injury, or damage to their property. For example, if a client trips over a loose wire while visiting your office and suffers an injury.2

Public Liability through Aon is offered as part of a Business Insurance policy (see below).
Business Insurance
Business Insurance is a package insurance that allows you to bundle different coverages into one policy. There are 2 main components offered under Business Insurance – Public Liability cover and cover for your assets, including your physical business premises. If you have a physical office, this policy will let you choose from various coverages to help protect your office. Cover options include damage to building & contents, theft, money, business interruption and portable property, along with computer and machinery breakdown.2 If you are a member of CA ANZ, you get a $100 discount on business insurance.3
Cyber Insurance
Cyber insurance includes cover for financial loss you suffer as a result of a cyber attack. This can include phishing, malware and ransomware.

In providing your service, you likely deal with some very commercially sensitive data, and this data may make you a very lucrative target for cyber criminals.2 If you are a member of CA ANZ, you get a $100 discount on cyber insurance.3
Management Liability
This is cover designed to protect business owners where they’re accused of certain wrongdoings. This can include allegations of discrimination, and actions brought against directors by regulatory authorities.2
Workers’ Compensation
Workers’ Compensation Insurance covers an Employer’s liability to a worker for injuries arising out of their employment. Workers’ Compensation Insurance is mandatory but the requirements and legislation varies between the different States and Territories so you should check before making a decision.2
Personal Accident
Personal Accident insurance can protect you in the event of accidental injury, providing a lump sum payment or covering your loss of income to help give you the financial support you need.2

Depending on your individual needs and circumstances, Personal Accident insurance can be tailored to cover you for injuries sustained at work, on your journey to work, and/or anywhere, covering you 24/7.

Everyone’s professional and personal circumstances are different, and that’s why it’s important to get the right insurance mix to support your individual needs. If you would like to find out more about insurance coverage, please contact the Aon team on 1300 836 028.
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Aon arranges Car Insurance for clients, and if you are a member of CA ANZ, you get a 10% discount. 

You can get a quote here, or if you would like to find out more, please call our team on 1300 134 256. 
Home and Contents Insurance
Aon arranges Home and Contents Insurance for clients, and if you are a member of CA ANZ, you get a 20% discount. 

You can get a quote here, or if you would like to find out more, please call our team on 1300 134 256. 
Landlord Insurance
Aon arranges Landlord Insurance for clients, and if you are a member of CA ANZ, you get a 20% discount. 

You can get a quote here, or if you would like to find out more, please call our team on 1300 134 256.