Small Businesses
Tech Companies
Motor & Fleet

Common industry risks   

Understanding the risks in your industry and how our comprehensive coverage responds to protect your business.

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The Risks

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Risks Response

Intellectual Property

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.

Statutory Liability Insurance

A regulator investigates and alleges a WHS or similar statutory breach tied to your professional work activities.

Statutory Liability Insurance may respond to defence costs and certain civil penalties arising from alleged breaches of statutory obligations.

Cyber Insurance

A shared file or system issue infects a client network and disrupts their operations or project data, leading to a claim.

Cyber Insurance may respond to costs arising from a cyber attack, including response costs, legal expenses, damages and regulatory penalties.

Public Liability

A client is injured during a site meeting or office visit and alleges your business caused the injury.

Public Liability Insurance may respond to third party injury claims arising from your business activities.

Professional Indemnity

A calculation, specification or advice error leads to redesign, delay or a claim for project loss against your business.

Professional Indemnity Insurance may respond to claims of alleged negligence or errors in your professional services, including defence costs.

Intellectual Property

The Risks

A client or third party alleges your work incorporated protected intellectual property without permission, seeking damages and legal costs.

Risks Response

Professional Indemnity Insurance may respond to claims of unintentional intellectual property infringement in the course of your work.

Statutory Liability Insurance

The Risks

A regulator investigates and alleges a WHS or similar statutory breach tied to your professional work activities.

Risks Response

Statutory Liability Insurance may respond to defence costs and certain civil penalties arising from alleged breaches of statutory obligations.

Cyber Insurance

The Risks

A shared file or system issue infects a client network and disrupts their operations or project data, leading to a claim.

Risks Response

Cyber Insurance may respond to costs arising from a cyber attack, including response costs, legal expenses, damages and regulatory penalties.

Public Liability

The Risks

A client is injured during a site meeting or office visit and alleges your business caused the injury.

Risks Response

Public Liability Insurance may respond to third party injury claims arising from your business activities.

Professional Indemnity

The Risks

A calculation, specification or advice error leads to redesign, delay or a claim for project loss against your business.

Risks Response

Professional Indemnity Insurance may respond to claims of alleged negligence or errors in your professional services, including defence costs.

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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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Businesses covered

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Products

Coverages for Engineers

Public & Products Liability, Professional Indemnity, and more for Engineers from leading insurers

Public & Products Liability

Covers injury & property claims from your services, products or at your business

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Professional Indemnity

Covers negligence claims from third parties to help protect your business from professional errors

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Management Liability

Bundled insurance for executives and boards incl D&O, EPL, Statutory Liability and Tax Liability insurance

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Cyber & Technology

Includes Professional Indemnity and Cyber & Technology Liability insurance for tech businesses

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Claim examples

Engineers claim examples

Real-world examples of how our insurance helps protect Engineers and their clients

Loss of Client Documents
SCENARIO

An engineer loses critical project plans and reports stored off-site, causing delays and additional costs for document recreation. The client alleges the loss disrupted the project timeline and seeks compensation.

WHY IT’S COVERED

Loss of Documents is a benefit commonly included under Professional Indemnity Insurance. It may respond to reasonable costs incurred to replace or restore documents for which you are legally responsible.

Third Party Property Damage
SCENARIO

Engineering advice relating to load capacity contributes to damage to an adjoining structure during construction. The property owner claims the engineer’s design caused physical damage and seeks recovery of repair costs.

WHY IT’S COVERED

Professional Indemnity Insurance may respond to third party property damage claims where the damage arises from an error or omission in professional advice or design.

Client Financial Loss Claim
SCENARIO

A client relies on an engineer's report to proceed with a project. The advice proves incorrect, leading to unexpected rework and budget overruns. The client makes a claim alleging the engineer's advice contributed to their financial loss.

WHY IT’S COVERED

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.

Design Error in Drawings
SCENARIO

An engineer provides structural drawings for a commercial fit-out. A calculation error is later discovered, requiring redesign and reconstruction. The client alleges the mistake caused delays and additional costs and seeks compensation for the financial loss incurred.

WHY IT’S COVERED

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.

SCEANRIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

WHY IT'S COVERED

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.

Loss of Client Documents

SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

WHY IT’S COVERED

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.

SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

IS THIS COVERED?

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.

SCEANRIO

An engineer loses critical project plans and reports stored off-site, causing delays and additional costs for document recreation. The client alleges the loss disrupted the project timeline and seeks compensation.

IS THIS COVERED?

Loss of Documents is a benefit commonly included under Professional Indemnity Insurance. It may respond to reasonable costs incurred to replace or restore documents for which you are legally responsible.

Loss of Client Documents
SCEANRIO

Engineering advice relating to load capacity contributes to damage to an adjoining structure during construction. The property owner claims the engineer’s design caused physical damage and seeks recovery of repair costs.

IS THIS COVERED?

Professional Indemnity Insurance may respond to third party property damage claims where the damage arises from an error or omission in professional advice or design.

Third Party Property Damage
SCEANRIO

A client relies on an engineer's report to proceed with a project. The advice proves incorrect, leading to unexpected rework and budget overruns. The client makes a claim alleging the engineer's advice contributed to their financial loss.

IS THIS COVERED?

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.

Client Financial Loss Claim
SCEANRIO

An engineer provides structural drawings for a commercial fit-out. A calculation error is later discovered, requiring redesign and reconstruction. The client alleges the mistake caused delays and additional costs and seeks compensation for the financial loss incurred.

IS THIS COVERED?

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.

Design Error in Drawings
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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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Why businesses trust upcover

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FAQs

Engineers insurance queries

How do I make a claim?

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You should notify your insurer as soon as you become aware of a claim or circumstance that may give rise to a claim which could include a client complaint, you discovering an incident or an allegation of harm. Claims should be made in writing and handled in line with the claims notification requirements which will be outlined in your policy wording.
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How do I make a claim?

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What is a Certificate of Currency?

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A Certificate of Currency is issued by an insurance company and is something you can use as proof that your existing insurance policy is valid. It contains all the information regarding your policy. You may be asked from time to time to prove your insurance - for loans to your business, for landlords of your premises, or for certain clients you might have. The moment you purchase your insurance from upcover you can send your proof of insurance to whoever requires it, at just a click of a button.
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What is a Certificate of Currency?

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How quickly do I need to report an incident to my insurer?

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You should notify your insurer as soon as you become aware of any incident, claim, or circumstance that may give rise to a claim. Professional Indemnity insurance typically operates on a "claims made and notified" basis, meaning both the claim must be made against you AND you must notify the insurer during the active insurance period (or discovery period if applicable). Late notification after policy expiry may not be covered unless you have purchased an extended discovery period. Prompt notification is essential to protect your rights under your insurance.
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How quickly do I need to report an incident to my insurer?

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What is a retroactive date?

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A retroactive date is the earliest date from which a claim can arise and still be covered under your policy. Professional Indemnity and certain other claims-made policies will only respond to claims arising from acts, errors or omissions that occurred on or after the retroactive date listed in your policy schedule. If an incident occurred before your retroactive date, it typically will not be covered even if the claim is made during the current policy period. Maintaining continuous cover without gaps helps protect your retroactive date — check your policy schedule or ask your broker if you are unsure of your retroactive date.
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What is a retroactive date?

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What factors might impact the cost of policy premiums of insurance for engineer?

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The cost of insurance for engineer in Australia varies depending on several factors. These typically include the nature and scope of your business activities, annual turnover, number of employees, location, claims history, and the cover limits and the applicable excess. For Commercial Motor cover, insurers also consider vehicle make, model, value, usage and driving history. Where additional covers such as Professional Indemnity or Cyber insurance are relevant to your operations, the services you provide and the sensitivity of data you hold may also affect your premium. Because each business is different, costs can vary significantly and premiums may change at renewal in line with risk and claims experience.
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What factors might impact the cost of policy premiums of insurance for engineer?

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