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