Insurance Options

When you or one of your employees are out on the job, there are all kinds of things that can go wrong. From injuries you can sustain as a professional, to damage you can inadvertently cause to the property of your client, or even the clients themselves.

 

Type of cover we offer:

  • Professional Indemnity Insurance - covers a breach of your duty of care and/or duty to warn, whilst performing your day to day business activities

  • General & Public Liability Insurance - Claims can occur as the result of an accident while you are providing your service.

  • Other Insurances - As an authorised representative of Ausure Insurance Brokers we can provide you with a greater number of insurance options for both you and your business.

 

Rapid Brokers Pty Ltd (ABN 53 101 545 626) is an Authorised Representative (No. 402807) of Ausure Pty Ltd (ABN 94 096 971 854 AFSL 238 433). Rapid Brokers is a wholly owned subsidiary of Rapid Solutions Pty Ltd. Please read Ausure Pty Ltd's Financial Service Guide (FSG).

Frequently Asked Questions

Can you tell me more about Professional Indemnity Insurance?

Professional Indemnity insurance covers a breach of your duty of care and/or duty to warn, whilst performing your day to day business activities. Any errors or omissions that result in a financial loss to a third party could result in a claim being made against you.

Generally anyone that takes a fee for service and offers advice or a product that a third party relies on, should strongly consider insuring against professional negligence.

What it covers:

Here are some examples of what your professional indemnity policy would cover:

  • Failure to report on evidence of timber pests during a timber pest inspection
  • An unsuccessful termite treatment that resulted in further termite damage to a property
  • Incorrect pest chemical application that has caused damage to lawns, vegetation, crops or other property
  • Damage resulting from a chemical treatment, such as damage to paint work on a house

Can you tell me more about General & Public Liability Insurance?

General and Public Liability covers you for personal injury or property damage to others occurring in connection with your normal business activities. We offer up to $20,000,000 liability cover with competitive premiums on a policy wording, underwritten by Pacific International Insurance Pty Limited, which is specifically worded for your industry.

 

Do I need insurance for liability?

This is a question that comes up quite often when it comes to pest management, building inspections and other professional services, and the answer is yes. With all lines of work, there is a risk of incurring damage.

What is Environmental Impairment Insurance and do I need it?

This is often referred to as Sudden and Accidental Pollution Cover and is covered by our liability policy. It covers the cost of containment and clean up of an accidental or unintentional chemical spill or discharge that could cause environmental impairment or pollution. These costs can run into many thousands of dollars.

It protects you in the event of a chemical spill that occurs during your treatment and the spill contaminates waterways, local water authority drainage systems, etc. However it does not cover you for spillage from your vehicle. For that you require PestShield™ Vehicle Insurance.

Do I need to have practical experience to perform pre-purchase timber pest inspections?

Yes, we will ask you how many inspections you have completed and your industry experience. 

I am a contractor, do I need insurance?

If you contract to different companies as well as perform work for your own business, you will require insurance.

If you contract to just one company and do not perform any other work, you may be covered under their insurance policies.

Can you cover my work vehicle?

Yes, through IAL t/as CGU Insurance, we offer a motor vehicle insurance policy that is designed especially for those that carry equipment and/or chemicals. Comprehensive motor vehicle insurance is provided with the options of covering your fixed and/or removable equipment that you have in or carry on your vehicle.

Included in your CGU Policy:

  • Full Glass Cover
  • Fixed and Removable Equipment
  • $100,000 chemical spillage

Important Documents:

PDS  |   Supplementary PDS  |  Benefits

Ready to quote?