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Insurance for Designers

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Mon – Fri 8:30am – 5:30pm AEST

Why do Design Professionals need insurance?

As a Design Professional, your work is driven by your creative flair and eye for detail.

But like all small businesses, there are risks in the operation of your business. Some incidents could have enough financial strain to completely bring your practice to a stop. Insurance that is customised for the common risks in your industry should be a key consideration when deciding how to protect your business.

Even on your best days when the creative juices are flowing strong, an unfortunate reality is that one small mistake or error of judgement, can have costly consequences for your business and potentially cost you both professionally and financially.

Don’t just insure, be sure

Business insurance can be complicated. What you think you’re paying for isn’t always what you get. As a broker and Design Professionals insurance specialist, Aon helps you find a policy customised for the common risk of your industry so you’re more confident that you’ve found the right type of insurance for your business. 

Why Aon for Design Professionals Insurance?

Don't just insure, be sure.

Right type of cover

  • Aon arranges Insurance tailored to protect against common risks in the Design Professionals industry
  • We help you to understand how your policy protects against the common risks as a Design Professional
  • Competitive premiums thanks to Aon’s scale and influence.

Specialist support

  •  team of experienced Design Professionals insurance specialists to help you at every step
  • We help you make claims and advocate on your behalf
  • Australian based teams. 

Easy to manage

  • Quotes online or over the phone on 1300 836 028
  • Options to take out premium funding loans to pay monthly. Fees and charges will apply 
  • Adjust your policy any time. Terms and conditions may apply
  • Easy renewal management
  • Online requests for certificates of insurance.

Rely on Aon’s industry expertise in Design Professionals insurance

Business insurance can be complicated. What you think you’re paying for isn’t always what you get. At Aon, we want you to feel confident you’ve made a smart decision for your business insurance needs.

As SME specialists for Design Professionals insurance, we understand the risks that businesses like yours face and how to insure against them. We know insurance policies and understand that the detail of your policy wording is critical to providing the type of cover your small business needs. That’s why we help you by arranging policies customised for the common risks of your industry.

Our team of Australian-based SME insurance experts are here to support you and your business every step of the way. We’ll give you access to the relevant information required to help you understand the cover options available to you so you can feel more informed about your choice of insurance.
Products

Explore our products

Insurance you may need as a Design Professional.
Professional Indemnity Insurance
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This may cover your business against claims where clients are unhappy with your work, and allege your service or advice caused them loss. It includes cover for some legal costs and financial compensation you’re ordered to pay as a result of a client suing you for your service.1
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Public Liability Insurance
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Get a quote
As design professional, it’s likely you visit sites; meet with clients at your office, their office or out in public. Public liability insurance is designed to protect your business from claims made by a client, contractor, or a member of the public for accidental injury or damage to their property. This could arise from an incident on your business premises or as a direct result of your business operations. Public and Products Liability Insurance through Aon is available as part of a Professional Indemnity Insurance Policy.1
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Business Insurance
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Get a quote
This insurance helps cover the cost to repair or replace your business property (such as your computer and equipment) following a fire, storm, or vandalism, and can include cover for interruption to your business as a result of a covered event.1
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Cyber Insurance
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Get a quote
This helps cover expenses and legal costs associated with a data breach or cyber attack.1 Costs can include computer expert services, data recovery, ransom and legal costs. As an design professionals’ business, the valuable information you hold about the projects you work on may make you a very appealing target for cyber criminals, so Cyber Insurance should be a cover to seriously consider when deciding which policies to include.
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Management Liability
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Get a quote
Management Liability is designed to protect you as a business owner and manager against allegations of mismanagement and actions brought by regulatory authorities.1
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Professions

Who we cover?

Select your profession to arrange the right cover for you.

Architects
Engineers
Landscape Designers
Building Designers
Architects
Engineers
Landscape Designers
Building Designers
FAQ
Frequently Asked Questions
Here are some questions commonly asked by Design Professionals.
As a Design Professional, do I need both Professional Indemnity and Public Liability?
Both PI & PL are important insurance covers for your business. Professional Indemnity insurance helps provide cover for claims made against your business by clients claiming that your specialist services or advice caused them financial loss. Public Liability insurance may help you to pay the costs associated with a third party injuring themselves or damaging their property as a result of your business, or due to using products that you offer.
How much Professional Indemnity Insurance do I need?
This will depend on a number of factors such as your business activity, the size of your business and the clients you work with. Some clients may require you to have a minimum level of cover to work for them. Most PI Insurance policies start at a minimum cover of $1 million, but the minimum may not be enough for you; for example you may be contractually required to have more, or in some states a mandatory level is required before an operating licence is granted. It is important to understand the risk exposure and obligations associated with activities and contracts undertaken so you should speak to a qualified solicitor or financial advisor before deciding how much cover you need.
I run my business from home, what insurance do I need?
Professional Indemnity insurance is still relevant when you are working from home, to help cover your business if a client alleges your advice caused them financial loss. If you use the internet to conduct any aspect of business, or if you store any client data on your computer, you may be susceptible to cyber risks, so Cyber Insurance would be another consideration. If you operate your business from home, it’s also a good idea to check the coverage under your Home Insurance to see what is covered and decide whether you also need to take out Business Insurance or Public Liability Insurance.
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What if I retire or leave the profession?
If you plan to retire or leave the profession, you may need to arrange Run-Off cover. This provides cover for claims made against you after your current Professional Indemnity policy expires. It’s an important cover to hold as even after you retire or are no longer in business, clients may take action against you for service or advice you provided while you were still operating.

Professional Indemnity insurance policies arranged by Aon are ‘Claims made and notified’ policies.  This means that the policy only provides cover for claims made against you whilst the policy is in force (subject to policy terms and conditions).  If the policy lapses, is not renewed or is cancelled, there is no cover available under the policy for claims made against you after that time.

For example if a client makes a claim against you for an act, error or omission due to that past work performed then the policy you have in place at the time of the claim, not the time of the work will respond.

Am I covered if third parties are at fault?
If you engage consultants, contractors, subcontractors or agents, Professional Indemnity insurance arranged through Aon includes cover where they make any errors or omissions for which your business is liable. This part of the policy is known as Vicarious Liability cover.

Can I get project and construction management cover?
Yes. If you’re project managing or construction managing as well as doing the design work, we help ensure that you’re covered for all parts of the role (as specified on your policy schedule) – not just the design. This is an optional extra, and an additional premium will apply.

Do I need to take out separate insurance to cover employees?
If you employ staff, you will need to take out Workers Compensation Insurance. You can speak to your state regulator about your needs as coverage and legislation varies between different states.

What is an automatic reinstatement?
Under Professional Indemnity arranged through Aon, if a claim amounts to your cover maximum, the insurer will automatically reinstate your cover value – up to five times. For example, if you are insured for $1 million of cover and you have a claim that hits $1 million, the insurer will reinstate the cover value so that the next claim still has $1 million of cover.

Why might I need Cyber Insurance?
If you use the internet for work, or if you store any client data electronically, you may need Cyber Insurance. This helps cover expenses and legal costs associated with a data breach, loss of client information or cyber-attack. Costs can include computer expert services, data recovery, ransom and legal costs.

If you’d like to discuss your insurance needs or if you are an existing customer, call us on 1300 836 028 between 8.30am and 7:00pm, Monday to Friday (AET, except public holidays).

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Insurance

Other covers to consider

View other insurance policies arranged through Aon by Design Professionals.
Workers’ Compensation
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Get a quote
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.1
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Product Liability
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Get a quote
Product Liability insurance, is typically included as part of a public liability insurance policy.1

Product Liability insurance helps protect your business against financial liability for third party injury or damage caused by products sold or supplied through your business.

Public and Products Liability policies can cover legal defence and court costs, assisting your business with the financial setbacks of defending a claim.
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Personal Accident
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Get a quote
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.1

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 02 6190 0958.
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Car and Home Insurance
1300 134 256
1300 134 256
Aon arrange a variety of personal insurance products for our clients including Home, Contents, Motor, Landlords, Boat and Caravan insurance.1

If you like to keep all your insurances in one place, please talk to one of our advisors about our options and pricing.
Learn more

Contact

Get in touch with our specialists

Call 1300 836 028

8:30am - 7:00pm AET
Mon - Fri (except public holidays)

Email us

au.professions@aon.com 
1Subject to full terms, conditions and limits of the policy. Please review the full policy wording for more information.

Professional Indemnity Insurance for Design Professionals is arranged by Aon Risk Services Australia Limited ABN 17 000 434 720 AFSL 241141 (Aon) as agent for the insurer, Insurance Australia Limited trading as CGU Insurance, ABN 11 000 016 722 AFSL 227681. If you purchase this insurance Aon will receive a commission that is a percentage of the premium. Please let us know if you would like any further information.