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Key risks
Understanding the risks in your industry and how our comprehensive coverage responds to protect your business.
Client files, signed plans or project records are lost, damaged or mislaid while in your care, resulting in delay and financial loss.
Loss of Documents is a benefit under Professional Indemnity Insurance. It may respond to costs incurred to replace or restore lost documents.
A client or third party alleges your work incorporated protected intellectual property without permission, seeking damages and legal costs.
Professional Indemnity Insurance may respond to claims of unintentional intellectual property infringement in the course of your work.
Tender drawings or client files are accessed without permission and a privacy or network liability claim follows.
Cyber Insurance may respond to breach response costs, legal expenses, damages and regulatory penalties arising from a data breach.
A visitor trips in your studio or on a site walk and alleges your business caused their injury or loss.
Public Liability Insurance may respond to third party injury claims arising from your business activities.
A documentation gap or design error leads to redesign, delay and a client claim for resulting financial loss against your business.
Professional Indemnity Insurance may respond to claims of alleged negligence or errors in your professional services, including defence costs.
Client files, signed plans or project records are lost, damaged or mislaid while in your care, resulting in delay and financial loss.
Loss of Documents is a benefit under Professional Indemnity Insurance. It may respond to costs incurred to replace or restore lost documents.
A client or third party alleges your work incorporated protected intellectual property without permission, seeking damages and legal costs.
Professional Indemnity Insurance may respond to claims of unintentional intellectual property infringement in the course of your work.
Tender drawings or client files are accessed without permission and a privacy or network liability claim follows.
Cyber Insurance may respond to breach response costs, legal expenses, damages and regulatory penalties arising from a data breach.
A visitor trips in your studio or on a site walk and alleges your business caused their injury or loss.
Public Liability Insurance may respond to third party injury claims arising from your business activities.
A documentation gap or design error leads to redesign, delay and a client claim for resulting financial loss against your business.
Professional Indemnity Insurance may respond to claims of alleged negligence or errors in your professional services, including defence costs.
Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Limits and sub-limits might apply. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.
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Claim examples
Real-world examples of how our insurance helps protect Hotel or Motel and their clients
An architect unintentionally incorporates design elements similar to another firm’s copyrighted work into a project. The third party alleges infringement and seeks damages and legal costs, claiming the design was used without permission or licence.
Professional Indemnity Insurance may respond to claims arising from unintentional intellectual property infringement in the course of providing professional architectural services.
An architect prepares project reports and contract documents containing inconsistent scope details. A dispute arises between the client and builder, with the client alleging the documentation errors contributed to delays and additional construction costs and making a claim against the architect.
Professional Indemnity insurance may respond to claims arising from errors or omissions in professional reports, contracts and written documentation prepared in the course of your work.
A client relies on an architect's design specifications to proceed with a project. The specifications prove incorrect, leading to unexpected rework and budget overruns. The client makes a claim alleging the architect's advice contributed to their financial loss.
Professional Indemnity insurance is designed to respond to claims arising from alleged negligence, errors or omissions in your professional services, including defence costs and compensation.
An architect issues design documentation containing an incorrect structural detail. The error is identified during construction, requiring redesign and rectification works. The client alleges the mistake caused delays, additional consultant costs and increased build expenses and seeks compensation for the resulting financial loss.
Professional Indemnity insurance is designed to respond to claims arising from alleged negligence, errors or omissions in your professional services, including defence costs and compensation.
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Limits and sub-limits might apply. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.
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