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    Professional Indemnity - Architectural / Design

    Tell us about your business and we will find you a competitive quote.

    Once you have completed the form, click the Submit button to send your information.

    Your request for a quote will be handled promptly.

    If you prefer to talk to a broker first, please call Liability Brokers during business hours to discuss quotes or you can leave a recorded message for us at the bottom of this form.

  • Insured Details

  • Are you a Liability Brokers client?*
  • Do You require cover for any subsidiary or associated company?*
  • Does Your business incorporate any prior trading entities?

  • Professional Duties

    Now we need to understand what you do in order to rate your risk

  • Qualifications

  • Do you hold the necessary qualifications required to perform all the services you have selected to be included in your cover?*

  • Previous Insurance

  • Are you currently insured?*

  • Quote Required

    Select the amount of cover you require.
  • Professional Indemnity
  • Public & Products Liability

  • Underwriting Questions

  • Rows
  • Rows
  • Do you require USA and Canada Coverage?*
  • Rows

  • NSW Small Business Stamp Duty Exemption

  • I declare that I/we are a small business eligible to seek a stamp duty exemption and have an aggregated turnover of less than $2 million.*

  • Notes:
    Aggregated turnover is your Australia wide annual turnover plus the annual turnovers of any business entities that are your affiliates or are connected with you.

    A fraudulent declaration may invalidate your insurance contract.

    The declaration covers all policies issued to you during the last financial year.

    An insurer will place reliance on your declaration in charging the applicable insurance duty

    False declarations may result in penalties up to $11,000 by Revenue NSW plus the Insurance duty not paid and penal interest on that balance.

    Revenue NSW may also be able to clarify your queries relating to the law and your obligations.

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    Professional Duties

    Please provide a PERCENTAGE breakdown of Your business activities - Revenue by Type of Service.

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    Area of Work

    Please provide a breakdown of Your work in the following areas - PERCENTAGE by Type of Service

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    Type of Work

    Provide a percentage breakdown of the type of work performed:

  • Manual Risk Exposure

    Definition of manual risk:

    • Manual labour or manual tasks performed by yourself (apart from measuring)
    • The supervision of manual labour or manual tasks performed by other parties or
    • The responsibility of manual labour or manual tasks performed by other parties.
    • The training of others on how to perform manual tasks

    If you want Public Liability cover, we need this question to be answered, otherwise proceed to the next question.

  • Does your business involve manual risks?*

  • Contractors

  • Do you employ contractors, sub-contractors?*
  • Do You require cover for sub-contractors?*
  • If "NO", do You insist they carry their own insurance?*

  • Contracts

  • Do You always enter into written contracts with your clients covering the services that You have agreed to provide?*

  • WARNING: Signing of Contracts

    There are potential insurance ramifications of signing contracts without appropriate legal advice. Many contracts have "hold harmless" clauses included in them and put the insured in a situation where they may not be covered under their liability policies. This policy has an exclusion relating to Contractual Liability. Basically, the exclusion states that the Insurer will only provide indemnity for any contractual liability where the signing of the contract does not increase the insured's liability beyond what would have applied had the contract not been signed.
    NOTE: All contracts should be checked by your lawyer before signing.

  • Insured's History

  • The term "You" means: principals, partners, directors or staff members, or any of the Intended Insured's predecessors, or any prior practice of any of its present or former partners, principals or directors

  • Have "You" ever been subject to disciplinary proceedings or actions for misconduct in a professional respect?*
  • Have "You" ever been subject to any claims for civil liability or breach of professional duty in the last ten years?*
  • Have "You" notified any circumstances to insurers that may give rise to such a claim?*
  • Are "You", aware of any other facts or circumstances which may give rise to a professional indemnity insurance claim?*
  • Have you (or any person receiving cover under this policy) ever been involved in a company that has been declared bankrupt or insolvent or been liable for any civil offence or pecuniary penalty or been charged or convicted for any criminal offence including fraud, theft or dishonesty?*

  • Declaration

    By submitting this Declaration the Applicant acknowledges:

    • they are authorised by each of the other Applicants to make this Declaration,
    • the contents of the Declaration are true and complete,
    • they are under a continuing obligation to immediately inform the insurer of any change in the particulars or statements contained in this Declaration or in the accompanying documents up until the contract is entered into,
    • they authorise the insurer to give or obtain from other insurers or insurance reference bureaus or credit reporting agencies, any information about this insurance or any other insurance held by the Applicant/s.
  • Date
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  • Submission Date
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  • Duty of Disclosure: What you must tell us
    Under the Insurance Contracts Act 1984 (the Act), you have a Duty of Disclosure. You are required before you enter into, renew, vary, extend or reinstate your Policy, to tell us everything you know and that a reasonable person in the circumstances could be expected to know, is a matter that is relevant to our decision whether to insure you, and anyone else to be insured under the Policy, and if so, on what terms.

    • You do not have to tell us about any matter
    • that diminishes the risk
    • that is of common knowledge
    • that we know or should know in the ordinary course of our business as an insurer, or
    • which we indicate we do not want to know.
    • If you do not tell us

    If you do not comply with your Duty of Disclosure we may reduce or refuse to pay a claim or cancel your Policy. If your non-disclosure is fraudulent we may treat this Policy as never having worked. 

    Claims Made Policy
    The Professional Indemnity section of this Policy operates on a 'Claims made and notified' basis. This means that the Policy covers you for Claims made against you and notified to us during the Period of Insurance.
    This Policy does not provide cover in relation to:

    • acts, errors or omissions actually or allegedly committed prior to the retroactive date of the Policy (if a date is specified);
    • claims made after the expiry of the period of insurance even though the event giving rise to the Claim may have occurred during the period of insurance;
    • claims notified or arising out of facts or circumstances notified (or which ought reasonably to have been notified) under any previous Policy;
    • claims made, threatened or intimated against you prior to the commencement of the period of insurance;
    • facts or circumstances of which you first became aware prior to the period of insurance, and which you knew or ought reasonably to have known had the potential to give rise to a Claim under this Policy;
    • Claims arising out of circumstances noted on the proposal form for the current period of insurance or on any previous proposal form.

    Where you give notice in writing to the insurer or any facts that might give rise to a claim against you as soon as reasonably practicable after you become aware of those facts but before the expire of the period of cover, you may have rights under Section 40(3) of the Insurance Contracts Act 1984 to be indemnified in respect of any claim subsequently made against you arising from those facts notwithstanding that the claim is made after the expiry of the period of cover. Any such rights arise under the legislation only. The terms of the Policy and the effect of the Policy is that you are not covered for claims made against you after the expiry of the period of cover.

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