Integrators work at the intersection of technology, design, installation, and the built environment.

From initial consultation and system design through to installation and ongoing support, Integrators can be involved at every stage of a project. Their work often combines professional advice with connected technology, physical products and on-site activities.

At Webber Insurance, we understand that an Integrator’s business doesn’t always fit neatly within a traditional technology, electrical or trade insurance category.

We work with Integrators to arrange insurance that reflects the full scope of the services you provide and the risks your unique business faces.

An Integrator can be exposed to multiple different types of risk within a single project.

Your involvement may span everything from system design and equipment selection through to installation, programming and integration. An issue at any stage can potentially result in a claim.

Common exposures can include:

• Errors in system design or specification
• Incorrect programming or configuration
• Selection of unsuitable or incompatible equipment
• Failure of an integrated system to perform as expected
• Accidental damage to a client’s property during installation
• Injury to another person while work is being performed
• Allegations arising from supplied or installed products
• Cyber incidents involving connected or remotely accessed systems
• Privacy breaches or compromised client information
• Project delays or additional costs arising from an alleged professional error
• Claims involving contractors or other trades working on a project

This overlap between professional, technology, cyber, products and on-site exposures is an important consideration when arranging insurance for an Integrator business.

Professional Indemnity Insurance

Professional Indemnity Insurance helps protect your business against claims arising from the professional advice or services you provide.

For Integrators, professional exposures can extend well beyond traditional consultancy and may include:

• System design and specification
• Professional advice and recommendations
• Equipment or product selection
• Programming and configuration
• Systems integration
• Testing and commissioning
• Project documentation
• Project management and coordination
• Ongoing technical support

A client may allege that an error, omission or failure in your professional services caused financial loss, additional costs or delays.

Even where an allegation is ultimately unsuccessful, responding to a professional claim can involve significant legal costs and time to defend.

Cyber Insurance

Integrators regularly work with connected devices, client networks, software, cloud platforms, control systems, and remote-access tools.

This can create cyber and privacy exposures not only within your own business, but also through the systems you configure or access on behalf of your clients.

Cyber Insurance can help protect against incidents such as:

• Data and privacy breaches
• Ransomware and malware
• Unauthorised system access
• Phishing and email compromise
• Network security incidents
• System interruption
• Cyber incidents involving remote-access systems
• Costs associated with responding to an insured cyber event

Strong cyber security practices should work alongside appropriate insurance to protect both your business and the clients who trust you with access to their connected environments.

Public & Products Liability Insurance

Public & Products Liability Insurance helps protect your business against claims where your business activities cause injury to another person or damage to someone else’s property.

For Integrators, this could include incidents occurring while:

• Working at a client’s home or commercial premises
• Installing or mounting equipment
• Testing and commissioning systems
• Undertaking maintenance or repair work
• Working alongside other trades

Products Liability is also an important consideration where your business supplies, installs, modifies or distributes equipment and hardware.

Webber Insurance works with the Master Integrator Industry Body to provide dedicated insurance support for its members.

If you are a member, visit our dedicated partner page for further information.

At Webber Insurance, we understand the professional, cyber, product and on-site exposures Integrators face and can help you arrange an insurance program suited to the work you actually do.

To arrange a quote, please click the button below and submit your details. If you would like more information or have any questions, please call us on 1300 932 237.