Insurance for Designers

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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.

Professions


Who we cover?

Select your profession to arrange the right cover for you.

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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Get in touch with our specialists

Call 1300 836 028

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