{"id":8978,"date":"2018-02-07T07:50:02","date_gmt":"2018-02-06T23:50:02","guid":{"rendered":"https:\/\/zegal.com\/?p=8978"},"modified":"2023-01-18T13:26:36","modified_gmt":"2023-01-18T05:26:36","slug":"business-professional-indemnity-insurance","status":"publish","type":"post","link":"https:\/\/zegal.com\/en-gb\/blog\/post\/business-professional-indemnity-insurance\/","title":{"rendered":"Does Your Business Need Professional Indemnity Insurance? (Australia edition)"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/zegal.com\/wp-content\/uploads\/2018\/02\/umbrella-1024x768.jpeg\" alt=\"Indemnity Insurance\" class=\"wp-image-8979\" srcset=\"https:\/\/zegal.com\/wp-content\/uploads\/2018\/02\/umbrella-1024x768.jpeg 1024w, https:\/\/zegal.com\/wp-content\/uploads\/2018\/02\/umbrella-300x225.jpeg 300w, https:\/\/zegal.com\/wp-content\/uploads\/2018\/02\/umbrella-768x576.jpeg 768w, https:\/\/zegal.com\/wp-content\/uploads\/2018\/02\/umbrella-640x480.jpeg 640w, https:\/\/zegal.com\/wp-content\/uploads\/2018\/02\/umbrella-1200x900.jpeg 1200w, https:\/\/zegal.com\/wp-content\/uploads\/2018\/02\/umbrella-1920x1440.jpeg 1920w\" sizes=\"auto, (max-width: 639px) 98vw, (max-width: 1199px) 64vw, 770px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Insurance is a common part of everyday parlance. Chances are you have bought some sort of insurance for yourself, whether it is life insurance or health insurance. Insurance essentially is a contract in which you pay a premium and an insurer takes on the obligation of covering and compensating you for particular events, such as losses, damage, illness, or death. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">In the context of running a business, business owners can also purchase insurance for their business. Starting a business exposes the business owners and the company to various risks. Should small business owners be uninsured at the time of an accident, the resulting costs can be a huge burden for the business. As such, it is beneficial for business owners to purchase insurance in order to protect themselves against such risks. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">The online government resource for the Australian business community <\/span><a href=\"https:\/\/www.business.gov.au\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">business.gov.au<\/span><\/a><span style=\"font-weight: 400;\"> identifies the following <\/span><span style=\"font-weight: 400;\">key types of business insurance<\/span><span style=\"font-weight: 400;\">: asset and revenue insurance, personal and workers insurance, and liability insurance. Some forms of insurance are compulsory for Australian businesses. Companies that employ people must take out workers compensation insurance to protect their employees in the event of an accident or sickness, while certain types of companies are required to take out public liability insurance. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">This article focuses on one particular type of <\/span><a href=\"https:\/\/www.business.gov.au\/Info\/Run\/Insurance-and-workers-compensation\/Liability-insurance-and-professional-indemnity\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">liability insurance<\/span><\/a><span style=\"font-weight: 400;\"> \u2013 professional indemnity insurance. <\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-liability-insurance\"><span class=\"ez-toc-section\" id=\"What_is_liability_insurance\"><\/span>What is liability insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">As the owner of a business, you may be liable for damages or injuries to another person or property. Liability insurance protects you and\/or your business from the risk of being sued or held legally liable for damage or injury that you have caused. There are several types of liability insurance, including the following: <\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li style=\"font-weight: 400;\"><b>Public liability insurance<\/b><span style=\"font-weight: 400;\">: Protects you and your business against the financial risk of being found liable for negligence; <\/span><\/li><li style=\"font-weight: 400;\"><b>Product liability insurance<\/b><span style=\"font-weight: 400;\">: Covers you in the event that the goods that you have sold, supplied, or delivered cause injury to another person or property; and<\/span><\/li><li style=\"font-weight: 400;\"><b>Professional indemnity insurance<\/b><span style=\"font-weight: 400;\">: Covers the cost of litigation for professionals who have breached a contract or made mistakes when providing a service. <\/span><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Professional indemnity insurance differs from the other two types of liability insurance in that it insures the professional in the situation where he causes loss or injury as a result of his errors in providing advice or a service to a client. &nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-kinds-of-risks-does-professional-indemnity-insurance-protect-against\"><span class=\"ez-toc-section\" id=\"What_kinds_of_risks_does_professional_indemnity_insurance_protect_against\"><\/span>What kinds of risks does professional indemnity insurance protect against?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Depending on the exact terms of your professional indemnity insurance, it covers liability for breaches of contract and mistakes made in the course of providing a service. Examples of breaches of contract include failing to achieve the results of a contract or providing negligent advice, such as bad financial advice or giving wrong nutritional advice. Examples of mistakes in providing a service include failing to audit a company\u2019s accounts properly or performing a surgical procedure poorly. <\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-when-do-i-need-professional-indemnity-insurance\"><span class=\"ez-toc-section\" id=\"When_do_I_need_professional_indemnity_insurance\"><\/span>When do I need professional indemnity insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">It is first important to check whether your regulator or professional body requires you to hold a policy. Your insurance requirements will vary depending on the type of business you are operating, your business structure and size, the industry you are in, and the state or territory that you are operating in. There are certain industries for which it is required by law for professionals to be covered by professional indemnity insurance. These professional groups include accountants, doctors, solicitors, and financial advisers. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Learn about <\/span><a href=\"https:\/\/www.business.gov.au\/Info\/Run\/Insurance-and-workers-compensation\/Insurance-in-your-state-or-territory\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">insurance requirements in your state or territory<\/span><\/a><span style=\"font-weight: 400;\">. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">However, even if it is not required by law for your industry or profession to hold professional indemnity insurance, it may still be beneficial for you to obtain such insurance. There are several reasons why professional indemnity insurance may be beneficial even if it is non-mandatory: <\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">it reassures potential clients and helps your business project a professional image; and<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">it covers your business against client claims for harm that results from mistakes or failure to perform which can potentially be costly. <\/span><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Professional indemnity insurance may be particularly relevant for businesses that do the following: <\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">give advice; <\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">provide a professional service; or<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">handle client data and intellectual property. <\/span><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-i-obtain-professional-indemnity-insurance\"><span class=\"ez-toc-section\" id=\"How_do_I_obtain_professional_indemnity_insurance\"><\/span>How do I obtain professional indemnity insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Should you decide that you would like to obtain professional indemnity insurance, talk to several insurance companies and brokers to discuss the options available to you and obtain quotes. There are many Australian insurance companies that offer professional indemnity insurance. Sometimes, professional associations offer industry-specific professional indemnity insurance. <\/span><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"https:\/\/register.zegal.com\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"360\" src=\"https:\/\/zegal.com\/wp-content\/uploads\/2017\/07\/free-trial-640x360.png\" alt=\"free trial_Indemnity Insurance\" class=\"wp-image-7585\" srcset=\"https:\/\/zegal.com\/wp-content\/uploads\/2017\/07\/free-trial-640x360.png 640w, https:\/\/zegal.com\/wp-content\/uploads\/2017\/07\/free-trial-300x169.png 300w, https:\/\/zegal.com\/wp-content\/uploads\/2017\/07\/free-trial-768x432.png 768w, https:\/\/zegal.com\/wp-content\/uploads\/2017\/07\/free-trial.png 865w\" sizes=\"auto, (max-width: 639px) 98vw, (max-width: 1199px) 64vw, 640px\" \/><\/a><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><a href=\"https:\/\/register.zegal.com\/\"><b>Claim your free trial. Protect your business by drafting sound legal contracts with Zegal today.<\/b><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Insurance is a common part of everyday parlance. Chances are you have bought some sort of insurance for yourself, whether it is life insurance or health insurance. Insurance essentially is a contract in which you pay a premium and an insurer takes on the obligation of covering and compensating you for particular events, such as [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":8979,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_editorskit_title_hidden":false,"_editorskit_reading_time":3,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","inline_featured_image":false,"footnotes":""},"categories":[14278,133],"tags":[],"usecases":[13702],"businesstypes":[],"country":[],"class_list":["post-8978","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-management","category-startup","usecases-uncategorised"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.8 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Does Your Business Need Professional Indemnity Insurance?<\/title>\n<meta name=\"description\" content=\"This article focuses on one particular type of liability insurance \u2013 professional indemnity insurance. 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