Public Liability Insurance For Graphic Designer
& Designers
- Comprehensive industry specific policy wording
- Multiple levels of cover to select from
- Instant paperwork online
Insurance for Architects & Designers
... designs! How much does architect's insurance cost? No two buildings are alike, and no two architects are ... Architects and designers may face many Public Liability claims in their day-to-day work. Public Liability insurance ...
read more7 Steps to starting your own graphic design business
... graphic design ... graphic design business started, it makes sense to have something in place to protect it, especially from unwanted claims. Designer insurance options range from policies like Public Liability insurance ...
read moreA Designers Guide To Understanding Portable Equipment Insurance
... it comes to getting your design business insurance sorted you can leave the shopping around to us. Whether it's Portable Equipment insurance, Professional Indemnity insurance*, Public Liability insurance* or a mix of ...
read moreInsurance for Marketing and Multimedia Professionals
... . for investment purposes) Graphic Marketing and Multimedia Professionals ... about when running your marketing and multimedia business. Public Liability insurance is designed to provide protection for you and your business ...
read moreUnderstanding Insurance, Part One: Public Liability Insurance
... It can also cover any legal defence costs you incur as a result of defending yourself. Why do I need Public Liability Insurance ? While you may take all the care in the world to create a safe environment, the reality is ...
read moreIs Public Liability enough for your cleaning business?
... over your client's priceless vase, Public Liability insurance* is designed to protect cleaning businesses from a variety ... the most basic cover, which includes Public Liability insurance. But before you renew your policy ...
read moreManaging your Public Liability risks as a tradie
... Is the potential cost of claim higher because of the size of the jobs you are now working on? If Public Liability insurance has been on your mind, whether you are a seasoned Jack (or Jill) of all trades, or brand new to ...
read moreHow Plumbers Can Protect their Business with Public Liability Insurance*
... can help protect your plumbing business for the long haul. What is Public Liability Insurance ? Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier ...
read moreThe difference between public liability and professional indemnity insurance
... Commission (ACC). Professional Indemnity insurance is designed for professionals who provide advice or ... provisions of your service Do I really need Public Liability Insurance? If you or your employees interact with ...
read morePublic Liability Insurance: 5 Tips for choosing the best policy for your business
... sounds, accidents happen. If you don't have Public Liability insurance you face the risk of being out of pocket ... for ways to save money, however the cheapest Public Liability cover isn't always the best option. Take the ...
read moreWhat does Public Liability Insurance Cover?
... typically NOT covered by Public Liability insurance ? While Public Liability insurance covers your business for claims ... would I need Public Liability insurance? Public Liability insurance is designed to protect businesses ...
read moreHow much does Public Liability Insurance cost?
... Liability, Public Liability insurance is an essential form of cover for almost every type of business, from trades and services industries to white collar professionals and office based occupations. It is designed ...
read moreWhat is Public Liability Insurance?
... insurers, then buy online in minutes. Do I need Public Liability Insurance Claim Example What is Public Liability Insurance? Public Liability insurance protects you and your business against the financial implications if ...
read moreWhat does Public Liability Insurance Cover?
... Public Liability (PL) insurance is designed to provide peace of mind when these unforeseen incidents occur. PL insurance ... I need Public Liability insurance? Public Liability insurance is designed to protect businesses ...
read morePublic Liability Insurance
... gardener's Public Liability cover.** Why choose BizCover for your Public Liability Insurance? At BizCover, our task is to make Public Liability insurance a stress-free experience. Our platform is designed to help ...
read moreDo I need Public Liability Insurance?
... do I need? How much does it cost? Is Public Liability insurance a legal requirement? Do I need Public Liability Insurance Insurance? Public Liability insurance* is an important type of cover, as it can provide protection ...
read morePublic Liability Insurance Explained
... available. Let's delve into our simple guide on Public Liability insurance explained. What is Public Liability Insurance*? Public Liability insurance protects you and your business against the financial implications if ...
read moreHow To Protect Your Plumbing Business With Public Liability Insurance
... can help protect your plumbing business for the long haul. What is Public Liability Insurance? Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier ...
read moreTradie Guide to Public Liability Insurance
... employees or operate as a sole trader , Public Liability insurance can be a critical strategy for reducing the ... However, if you have reduced your risk with Public Liability insurance, you can be in a position to recover ...
read moreAn Accountants Guide to Understanding Public Liability Insurance
... the interactions of third-parties. Public Liability insurance is designed to provide protection for you ... If you are renting your business premises, Public Liability insurance may be a requirement of your rental agreement ...
read moreA Contractors Guide To Understanding Public Liability Insurance
... . What is Public Liability insurance? Public Liability insurance is designed to provide protection ... Public Liability insurance What does Public Liability insurance typically provide cover for? Public Liability insurance ...
read moreAn Engineers Guide To Understanding Public Liability Insurance
... what exactly is Public Liability insurance? Public Liability insurance is designed to provide protection ... a legal requirement for you to have your own Public Liability insurance policy in place, even before you pick up ...
read more5 Things To Consider About Public Liability Insurance For Your Small Business
... has will be different to say that of an architect who works from home. The potential claims from a ... to select from when it comes to purchasing your Public Liability insurance. At BizCover, we know how important time and ...
read moreWhat Is The Difference Between Public Liability And Professional Indemnity Insurance?
... or freelancer.. Public Liability insurance explained Public Liability insurance is designed to provide ... can get on with your day. Rather chat to a Business Insurance Specialist? Call us on 0800 249 268 and get cover today ...
read moreA Graphic Designers Guide To Professional Indemnity Insurance
... against you Civil liabilities which may arise ... designer insurance policies to help provide coverage for your graphic design business. So, when it comes to getting your design insurance policies for your graphic design ...
read moreA graphic designer's view on building success in business and life
... sort of small business graphic designers that I can outsource some of the work too.” Good Design is Good Business ... , I can let others know about the importance of insurance just like others did the same for me,” she ...
read moreHow the cost of Professional Indemnity insurance is calculated
... that impact the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated on risk ... goes wrong, i.e. are you a graphic designer consulting to small-scale firms or a structural engineer ...
read more7 Money Saving tips for Small Business in NZ
... an array of skills. Whether it's finding a graphic designer, content marketer or an IT guru, there is ... best of us. Taking the time to get your business insurance * sorted is something that should be part of your business ...
read more5 Long term money-saving tips for your small business
... BizCover online service is designed to help save you time and money when arranging insurance for your small business. ... an array of skills. Whether it's finding a graphic designer, content marketer or an IT guru, there is ...
read moreHow much does Professional Indemnity Insurance cost?
... -million dollar developments, or a graphic designer consulting to small-scale organisations? ... cost of Professional Indemnity insurance by level of cover? Coverage level Average Public Liability premium (Monthly) $250k ...
read moreTips for How to Start a Carpentry Business
... carpenter insurance policies available that cover different business risks, such as: Public Liability* ... or updating social media profiles. Graphic designer - This pro can help you design a memorable logo and choose brand ...
read moreHow To Market Your Accounting Business Online
... graphic designer, and digital marketer to build your new company website, you may also use template designs ... insurance , including Public Liability insurance , Professional Indemnity insurance and small business insurance ...
read moreHow To Get More Accounting Clients
... web developer, a digital graphic designer, and a digital marketing ... insurance , including Professional Indemnity, Public Liability insurance , and small business insurance. Visit bizcover.co.nz and get business insurance ...
read more4 Areas You May Not Have Thought Business Insurance Covers
... can include Business Interruption as part of your Business Insurance package. It's important to remember that your ... other essential covers such as Public Liability and Professional Indemnity insurance to ensure you are ...
read moreIt's Time for an Insurance Health Check!
... is growing and your level of exposure increases you may need to consider increasing the level of public liability insurance that you hold. Are there statutory requirements you need to meet (certain contracts may have ...
read moreCustomer Spotlight: Scotchbox
... motivated McBride to ensure that he has insurances in place to protect his Scotchbox stock. “I chose to insure my business because I want to be protected from public liability, selling food and drink to consumers and ...
read moreReduce your small business operating costs with these 7 tips
... all your business insurance needs like Public Liability, Professional Indemnity and Business Insurance* . We do ... could be save on your policy. *As with any insurance, cover will be subject to the terms, conditions and ...
read moreHow To Stay Motivated As A Small Business Owner
... Insurance products purchased through BizCover span from the basics like Public Liability and Professional Indemnity to Business Insurance ... or messy forms to fill out. Experience insurance made easy today and see how we can ...
read moreA Tradies Guide To Protecting Tools
... * sorted. While you may be familiar with policies like Public Liability, did you know there is insurance available specifically for your tools? Portable Equipment cover, also known as tool cover, covers you for loss ...
read moreComplete Guide to Business Insurance
... of business insurance coverages available include: Building/ property (Public Liability) Property ( ... event (such as property damage or fire). It is also designed to assist your business to recover from an insured event ...
read moreTips to help you successfully market your Tradie Business
... new risks that you could face every day. Business insurance is designed to protect you from such risks and help save the ... event that they are lost or stolen. Public Liability insurance is also a crucial form of cover as ...
read moreThe Winner of BizGiver NZ is Revelation Canterbury Sports!
... passion for assisting rangatahi and whanau and how the grant will benefit her club. Abbey has had Public Liability insurance with BizCover since February 2021. We are proud to support her and her business! Here is her ...
read moreNew Plymouth Physio Pilates Wins BizGiver Grant!
... for being the most recent recipient of the BizGiver grant. Emma has had Professional Indemnity and Public Liability insurance with BizCover since she started her small business in May 2021. We are proud to support ...
read moreCounsellor Martin Sloman Wins BizGiver Competition!
... for being the latest recipient of the BizGiver New Zealand grant. Martin has Professional Indemnity and Public Liability insurance combined with BizCover, as he believes it is a great value for money policy. We are ...
read moreSparking a conversation with Joachim from Noble Electrical & Lighting
... with BizCover's customer service team, Joachim went with a Public Liability policy. “It's there to cover my ass if ... end of the day. It also means getting the right insurance, so I don't have to worry about a mistake at ...
read moreSole traders, Take Care Of Your Finances With These Tips
... sole traders, and we know how busy you are, that's why we do the shopping around for you. Whether it's Public Liability insurance*, Portable Tool Cover* or Business Interruption cover* we offer a range of business ...
read moreHow To Get More Clients For Your Electrical Business
... Protect your electrical business' reputation with business insurance Building a growing customer base is one of ... BizCover NZ. From Public Liability insurance to Tool Cover, we offer business insurance policies to help ...
read moreA Calmer Therapy Wins BizGiver Grant
... the latest recipient of the BizGiver NZ grant. She has been insured for Professional Indemnity and Public Liability through BizCover since 2018. We are proud to support her small business journey! We interviewed Eileen ...
read moreHow To Start Your Own Trade Business in NZ
... register for GST and only takes a few minutes. Consider insurance If you've put the work into building and registering a ... Different policies, such as Public Liability and Business Insurance, cover tradespeople against a ...
read moreAnything Aluminium Wins BizGiver Grant
... . Congratulations to Lewis Trickett for being the latest recipient of the BizGiver grant. He currently has Public Liability with BizCover since he started his small business. We are proud to support Lewis and Anything ...
read moreWhat it's like to be a carer in NZ's struggling disability sector
... small business alleviate one problem - getting business insurance. David Spragg (left) next to Brendan Fry ... since we started. We arranged for the Public Liability and Professional Indemnity cover and found it incredibly ...
read more4 Tips For Starting An Online Business
... from. Think about each platform’s ease of use, design flexibility, and tools and features when making your decision. ... insurance in place can help protect your online business from a number of risks. A Public Liability ...
read moreDigital Marketing Tips For Tradies
... website. Your website should be carefully designed to be user-friendly for both desktop ... insurance * , including Public Liability insurance , and small business insurance. Visit bizcover.co.nz and get business insurance ...
read moreHow To Market Your Contracting Business In Construction
... images and videos, is a growing part of web design and social media. They're also essential in the construction ... ? Small business insurance, including Professional Indemnity and Public Liability insurance, help shield you ...
read moreAccounting Tips and Tricks For Small Business Owners
... Indemnity insurance if you provide clients with a professional service and choose a Public Liability policy if ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...
read moreHow To Start Your Own Accounting Business
... contact you or view your offers. Get Business Insurance As an accountant, you may encounter an error ... any errors and omissions that may arise. Public Liability Insurance could also benefit your business by protecting ...
read moreHow Tradies can use LinkedIn
... partners such as real estate agents, builders, and architects. LinkedIn can be an effective way to market ... insurance may include: Tool and Portable Equipment insurance ; Public Liability insurance ; and Business Insurance ...
read moreHow to Increase Leads on Tradie Websites
... big difference between a well-designed website and a functional website. ... insurance: – Public Liability insurance – Business Insurance – Tool and Portable Equipment insurance BizCover NZ can customise your trade insurance ...
read moreHow to Optimise a Tradie Website
... business. Ask your website designer to include very clear calls ... insurance may include the following types of business insurance: Tool and Portable Equipment insurance ; Business Insurance ; and Public Liability insurance ...
read moreWhy a Personalised Website for Tradies is Important
... -to-navigate, beautifully-designed, functional website shows your ... insurance may include the following types of business insurance: – Public Liability insurance – Business Insurance – Tool and Portable Equipment insurance ...
read moreHow to set up Google Ads for Tradies
... Google Ads, the ad copy, design and placement should be perfect. ... insurance may include the following types of business insurance: – Public Liability insurance – Business Insurance – Tool and Portable Equipment insurance ...
read moreHow Trust Can Boost Sales For Tradie Businesses
... , your clients risk not being properly compensated for a claim. This is why disclosing your Public Liability insurance, which protects your business from such claims, builds trust and could be the difference between ...
read moreHow Tradies Can Use Social Media To Get Quotes
... action button Different platforms offer unique profile features designed to prompt potential customers to proceed with ... most important types of insurance for tradies is Public Liability insurance. It provides compensation ...
read moreTips For Following Up On Trade Quotes
... get on top of your quoting process early. This blog is designed to give you ten tips to help you follow up on ... their property. Disclosing that you have Public Liability insurance, which can provide protection in both ...
read moreA Sole Trader's Guide to Building a Website
... arranged for your sole trader business*. BizCover offers business insurance solutions to help all kinds of sole trader businesses from Public Liability* to Tool Cover and protecting your bricks and mortar with Building ...
read moreA Sole Traders Guide to Understanding SEO
... arranged for your sole trader business*. BizCover offers business insurance solutions to help all kinds of sole trader businesses from Public Liability* to Tool Cover and protecting your bricks and mortar with Building ...
read moreSimple Hacks to Help Grow Your Sole Trader Business
... there and growing. For example if you are graphic design business, why not look at connecting with other ... offers business insurance solutions to help different kinds of sole trader businesses from Public Liability* to ...
read moreHow to Grow Your Mechanic Business
... ensure you have the appropriate levels of mechanic business insurance in place to protect your business*. From Public Liability insurance* to getting your tools covers, insurance for mechanics is there for when you need ...
read moreA Contractors Guide to Saving Money at EOFY
... insurance options, save time and swing by BizCover. From Public Liability insurance* to Tool Cover* and Business Insurance ... business. Visit bizcover.co.nz and get insurance for contractor business without drama so you can ...
read more7 Ways Your Accounting Business Can Save Money For Clients
... 's Professional Indemnity insurance* options to coverage like Public Liability* and Business Insurance*. We know how ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...
read moreTop Digital Marketing Tips For Contractors
... Whether it's Public Liability insurance* or protection for words of advice with Professional Indemnity insurance*, BizCover is here ... be relied upon as advice. As with any insurance, cover will be subject to the terms, ...
read morePortable Equipment Insurance, A Guide For Contractors
... areas, from tradies to architects, management consultants, photographers and ... insurance solutions to help different kinds of contractor businesses from Public Liability insurance* to Professional Indemnity insurance ...
read moreHow To Start An Engineering Firm
... your clients. Here are two examples: Public Liability insurance* may be required before you can ... , with no-dramas! Visit bizcover.co.nz and get insurance for your engineering business without the stress so you can get ...
read moreManaging Your Business Insurance During Inflation
... behind changes like the increased costs of living. Business insurance isn't exempt when it comes to the impact of ... policies like your Professional Indemnity insurance* and Public Liability insurance*. Review the terms and ...
read moreSaving Hacks- Business Insurance For Tradies
... spend some time when it comes to renewal time and check your policy. Many forms of business insurance, including Public Liability* may have pricing that is partly affected by a business' size. This is measured by factors ...
read moreScholarships
... With the option to include Professional Indemnity, Public Liability, and Business Insurance, we will ensure you get the best ... Bachelor of Advanced Computing Bachelor of Design Computing Value and Duration The Scholarship ...
read moreWhat Photographers Need to Know About Business Insurance
... Public Liability insurance * One of the most common forms of insurance is Public Liability . S ometimes referred to as General Liability insurance , i t's designed ... i nsurance (PI) is designed to protect you and your ...
read moreInsurance options to protect your cleaning business
... cleaning business. What is Public Liability Insurance * ? One of the fundamental types of insurances for most kinds of businesses is Public Liability insurance . Public Liability insurance is designed to cover the legal ...
read moreInsurance Options for Retailers
... by your products Some Public Liability insurance policies include cover for Product Liability cover. Money and Theft ... tasks of running your business. Cyber Liability insurance is designed to help protect your retail store ...
read moreWhy Do Marketing Consultants need Professional Indemnity Insurance?
... may need to consider Public Liability insurance . Public Liability insurance is designed to provide protection for ... you get back on your feet. Cyber Liability insurance * When you are dealing with confidential client ...
read moreTear and Share: Our customers get even with their old insurance policies
... tradie, showed no mercy when he subjected his old public liability policy to his bandsaw. Jill, the café owner, ... there's no nasty paper policies. Just hassle-free insurance , online, with all your documents emailed to you ...
read moreSmall Business Insurance: Why you might want to ensure you're covered!
... public liability may be a requirement from your landlord. Or if you take out a contract with a large organisation they may stipulate that you have certain insurance ... line. Having a Employers Liability policy in place can ...
read moreBusiness Risk: What Isn't Covered and Why it Matters
... on the type of your insurance. Read the below carefully: Public Liability - This protects against the ... familiar with how much you're covered for. Using Professional Liability as an example again, you could be covered for ...
read moreKey things to look out for when Growing Your Small Business
... are constantly 'putting out fires' instead of designing and refining processes to improve and update operations. ... care of themselves, but the primary insurances - public liability and professional indemnity - are crucial. ...
read morePreparing your store for the holiday season ahead
... payment for compensation and legal expenses. Ensure your Public Liability insurance policy has adequate cover to protect you and your business against a public liability claim. Reduce shoplifting The busier your store is ...
read more6 Essential Types of Business Insurance in New Zealand
... individual business needs. Public Liability Insurance * Every business needs to consider Public Liability Insurance - even home-based businesses . It covers Public Liability insurance is designed to provide protection ...
read moreMassage Therapy Insurance: here's why you need it!
... of a breach of your general liability. Public Liability insurance protects you against claims from customers ... breach of professional misconduct. Maintaining a Professional Liability Insurance package is not only a best ...
read moreBizCover expands into New Zealand and launches BizCover.co.nz
... and insurance coverage specifically designed for ... insurance and will soon be expanded to add in Public Liability, Statutory Liability, Employers Liability, Employment Dispute Liability and other associated insurance ...
read moreBizCover expands its insurance offer and launches a new look
... to quickly access information and insurance coverage specifically designed for their occupation or business” ... quick and easy online professional indemnity and public liability insurance for over 200 professions. The new ...
read moreInsurance for Shop Owners
... leases often require tenants to maintain Public Liability insurance and Glass insurance. There may also be a ... specialist services or professional advice. It is designed to respond to claims against your business for ...
read moreInsurance For Cafes and Restaurants
... the tenant to have both Public Liability insurance and Glass insurance before signing a lease. Insurance for Cafes and Restaurants Public Liability* Public Liability insurance is designed to provide protection for you ...
read moreWhat is Business Insurance
... Insurance offers are designed to protect things like your business assets. Where Public Liability insurance is designed ... to get in touch with one of our business insurance professionals. You can also access quick links to ...
read moreDo I need Business Insurance
... to occur and you didn't have the right businesses insurances in place, your reputation could be destroyed in the ... required that you have a certain level of Public Liability insurance* in place well before you even start on ...
read moreEmployers Liability Insurance
... s where Public Liability insurance comes into play. Public Liability insurance is designed to provide ... won't bore you with jargon We're not fans of complicated insurance speak, so we talk to you in plain English. If you ...
read moreStatutory Liability Insurance
... Statutory Liability insurance and Public Liability insurance? Public Liability insurance is intended to protect against different risks than what Statutory Liability insurance is designed for. Public Liability insurance ...
read moreReviews related to Public Liability Insurance For Graphic Designer
-
Good service - a little pushy with the reminders
Michael Alan Baylis
Architecture & Surveying -
Very easy process, prompt and competitive quote, would recommend to associates
Wayne Smith
Architecture & Surveying -
Fast and reliable! Good customer service!
Joem Baldesco
Architecture & Surveying -
It was so easy and great time saver, prompt delivery to obtain the Public Liability and Professional Indemnity I require as an Occupational Health and Safety Consultant and Practitioner. Other quotes took well over a week to come back to me.
Definitely r
Patricia Copp
Consultancy Occupations -
You made the purchasing of public liability cover simply easy and straight forward
Peter McLaughlin
Trades & Services
How much does architect’s insurance cost?
No two buildings are alike, and no two architects are alike either. Insurers use a range of different factors to determine how much you will pay for your insurance policies as an architect, meaning pricing varies based on the specific blueprint of your small business.
Some of the factors used to calculate premiums for Professional Indemnity and other forms of insurance for architects that you may consider include (but are not limited to):
- The size of contracts your business takes on
- Your risk management procedures
- Your history of previous insurance claims
- The amount of cover you want or need
Comparing quotes from multiple insurers can help you understand the Architect Insurance policies available to you and how much you can expect to pay for cover.
Did you Know?
That registered architects need to comply with strict criteria covering areas like insurance, health and safety and quality management systems.
Architects and Designers are also the first professions in New Zealand to require professional indemnity insurance to cover themselves in person for errors and negligence.
Insurance for Architects and Designers
Professional Indemnity
Professional Indemnity (PI) insurance provides essential financial protection for Architects and Designers to safeguard their businesses for claims made against them in carrying out their professional services or advice. It provides cover for damages and claimant costs awarded against you, costs incurred such as legal and defence costs, claims investigation costs, inquiry attendance costs as well as public relations costs.
Professional Indemnity insurance may not be mandatory for Architects and Designers. However it may be a requirement to meet the conditions of many clients as well as tender processes.
BizCover’s professional indemnity insurance offer covers occupations such as:
- Architect
- Interior designer
What is typically covered?
A small mistake in an architect’s work can have huge and expensive consequences. Professional Indemnity insurance helps shield architects and designers against a wide range of potential risks that could cripple your small business. These include:
- Errors, mistakes and omissions in your work or professional advice
- Missed deadlines and undelivered services
- Professional negligence
- Breaches of contract
What is not covered?
While Professional Indemnity insurance can help shield you against many claims resulting from your work, it does not provide protection for:
- Intentional damage
- Any circumstances or claims that are known before your insurance period begins
- Acts of dishonesty and fraud
- Accidental injury and property damage
Public Liability
Do you need it? If you have regular contact with clients, contractors and the general public, then the short answer is yes. Public Liability insurance is an important form of cover to protect you from financial losses arising from a claim of 3rd party property damage or accidental injury (not covered by the ACC) as a result of you going about your business, even if you rent your premise.
What is typically covered?
Architects and designers may face many Public Liability claims in their day-to-day work. Public Liability insurance commonly covers:
- Damage to a third-party’s property
- Financial loss resulting from damage to a third-party’s property
- Injury, illness or death (that is not covered by the ACC) that is caused by your negligence
What is not covered?
While Public Liability insurance can protect you against many common claims, it does not provide cover for:
- Employee injuries
- Damage to your own property
- Compensation when a personal injury is covered by the ACC
Protect your business today.
Business Insurance
Your clients are your bricks and mortar, but where would your business be without the assets needed to help make their plans a reality? Not having the right cover in place could cost your company more than a pretty penny, creating a whole host of unwanted challenges.
Having some form of cover in place to protect your contents (including IT equipment), and premises from the risk of damage caused by fire, storms, theft, vandalism or even earthquakes, gives you peace of mind so you can sleep at night.
You can even add Business Interruption insurance which is designed to help your business get back into the game by covering the increased costs of running your business and lost revenue whilst it is out of action due to an insurable event.
Cyber Liability
As an architect or designer, your plans, designs are prized intellectual property it is what makes you stand out from the crowd. Unpleasant as it may be, but what would you do if a competitor found a way to steal your original designs?
Storing personal information and client information online means you are instantly at risk of potential cyber attacks and data breaches.
Reinforce your cybersphere with Cyber Liability insurance., providing protection covering extortion costs, fines and penalties, investigation and data recovery costs, business interruption costs and PR/crisis management costs.
What is typically covered?
Cyber Liability can help your small business bounce back after a cyberattack, hack, or data breach. Policies typically cover:
- Costs associated with investigating an attack and data recovery
- Business interruptions costs
- Fines and penalties
- Extortion costs
- Costs associated with PR and crisis management
Could this happen to your business?
An architect designed a house for an elderly couple and miscalculated the size of a cavity for a hidden sliding door. The builder of the house raised the issue early on but to no avail. The architect initially blamed it on poor print quality of the site plans and told the builder to carry on.
Near completion, it was clear that the particular doorway in the house that required access by a mobility scooter was not wide enough whilst the sliding door was “hidden”. The owners asked the architect to pay for all remedial costs that included moving walls and re-modelling an adjacent room. Fortunately, the cost of the professional error was paid for by insurers without having to appoint a legal defence counsel.
FAQ
Why do architects and designers need insurance?
Insurance can help shield architects and designers against a variety of risks, from claims of negligence or damaging a client’s property to equipment breakdowns and cyber-attacks.
Architects and designers face many unique risks that insurance can help protect them against. They regularly give clients advice based on their expert knowledge and training, and often visit clients in their business premises or homes. They may also have their own offices to consider, including any equipment, tools, and client information that may be stored there. There are different insurances to protect against each of these risks. It may be wise as an Architect to explore insurances such as Professional Indemnity, Public Liability and Cyber Liability insurance.
In the event of a claim, without insurance, you could be left holding the bill for costly claims or lawsuits. The out-of-pocket expenses associated with legal action could be financially devastating for small business owners. Insurance could help architects and designers stay in business even if the unexpected comes their way.
How do I buy Insurance for my Architectural business?
Architects and designers are busy people with a lot on their schedule each day. That’s why BizCover has made it quick and simple for them to find, compare, and buy insurance to protect their small businesses.
In just minutes, you can compare multiple quotes from selected leading NZ insurers. There is no complex paperwork to fill in, and you can buy a policy whenever it fits your schedule, day or night. You’ll even receive your policy documents instantly, so you can get right back to work!
* * As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.
Need Help?
Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals.
You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents.