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Why do Landscape Designers need insurance?

Communities coming together and creating connections – the facilities you design as a landscape designer enable this to happen. Balancing functionality with aesthetics is one of your specialities. But it’s also important you balance the risk your business faces in its operation with adequate insurance.  

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.

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 Landscape Designers 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 Landscape Designers insurance?

Don't just insure, be sure.


Right type of cover

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

Specialist support

  • A team of experienced Landscape Designers 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 Landscape Designers 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 Landscape Designers 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.

What insurance do Landscape Designers need?

Professional Indemnity
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
Public Liability
As a Landscape Designer, 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
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. Cover is also available for damage to money (if you keep cash on premises), and portable contents such as mobile phones and laptops.1

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.
Cyber Insurance
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 a Landscape Designer, 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.
Management Liability
If you own your own business, you’re likely responsible for making some big decisions. Management liability insurance is designed to cover you and your business against actual or alleged mismanagement of your business.1  

Management Liability insurance can also help cover Employment Practices claims made against you by current or former Employees.

Cover benefits of Landscape Designers Insurance

Flexible Professional Indemnity Cover Limits
Choice of cover limits from $1m to $10m to help protect against legal costs and claims for damages 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 injury or financial loss.1

Automatic Reinstatements
If a claim amounts to your maximum cover, the policy automatically reinstates your cover value - up to five times to the full original amount.1

Cost Exclusive
You don’t need to pay any excess towards the costs associated with a legal defence; only the excess towards the settlement of a claim.1

Run-off cover
If you retire or leave the profession, you can apply for run-off cover, which can help to cover the costs for claims relating to incidents that occurred when you were working. If you retire or leave the profession, you can apply for run-off cover, which can help to cover the costs for claims relating to incidents that occurred when you were working.1

Vicarious Liability
If you engage consultants, contractors, subcontractors, or agents, we can ensure you’re covered if they make any errors or omissions.1

FAQs

Frequently Asked Questions
Here are answers to some commonly asked questions by Landscape Designers.
As a Landscape Designer, do I need both PI Insurance 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.

Aon can arrange cover between $1m and $10m. Premiums will vary based on the level of cover you select.
I operate my business from home, do i still need insurance?
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.
Explore more FAQs
What if I retire or leave the profession?
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. If you plan to retire or leave the professional, you may need to arrange Run-Off cover. Run-off cover provides cover for claims made against you after your current Professional Indemnity policy expires. Run-off cover is NOT automatically provided; you must apply for run-off cover AND be accepted by your insurer in order to have run-off cover apply. If your policy is lapsed, not renewed or cancelled, and you have not applied for run-off cover, you may be uninsured for any claims made against you after your current policy expires, lapses or is cancelled. 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 seperate cover for 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 Insurance 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 do I need Cyber Insurance?
Your high-value client base, the commercially sensitive information you hold about them and the raft of cloud based and online technologies you use all make you susceptible to cyber crime. For cyber criminals, attacking your system wouldn’t require much effort on their part, but the ramifications for you (and your clients) could be far-reaching. Cyber Insurance can therefore help safeguard your business’s viability if you do fall victim to an attack, and help make sure you’re not left with substantial out of pocket costs to rectify your IT systems and get your business back up and running.

Why do I need Management Liability Insurance?
If you’re managing a business, you’re responsible for making some very big decisions, and a management liability policy can help protect against the risks and exposures involved in doing so. If your business is a company, it also includes cover for directors & officers’ personal and corporate liabilities.

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 which is why as your advocate we are always on hand to help with any questions. Please do not hesitate to call us on 02 6190 0958 during business hours or email au.professions@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 02 6190 0958 or au.professions@aon.com

How do I renew my policy?
Your renewal offer will be sent to you via your elected email address, approximately 30 days before your renewal date you will receive a renewal email including your tax invoice and schedule from Aon. It is important at this stage to review the details of our 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 contact us on 02 6190 0958 or au.professions@aon.com and we will look to send your documents as soon as possible.

What are your opening hours?
Our opening hours are 8.30am to 7.00pm Monday to Friday (AET, except public holidays). If you need to contact us out of hours you can email us at au.professions@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 Funding2 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 02 6190 0958 or by email on au.professions@aon.com.

Contact


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.

2Hunter 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.

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.