Webber Insurance Services Webber Insurance Services
Talk to an insurance broker

1300 932 237

Menu
  • Home
  • About
    • About Us

      Read more about our Business and Partners.

      Find out more about the team at Webber Insurance, what our clients say and who we partner with to enable us to provide you with superior insurance products.

      Contact Us
      • About Us
      • Careers
      • Compliance Hub
      • Webber Insurance Group
      • Steadfast Insurance
      • Testimonials
    • Close
  • Blog
    • Blog Posts & Ultimate Guides

      Read our latest blog posts plus get further information on key topics in our ultimate guide pages.

      At Webber Insurance, we work to expand our clients understanding of a wide range of business risk management topics

      Latest Blogs
      • Contractual Liability Essentials
      • Encryption Guide for Your Devices
      • Data Breaches In Australia
      • Risk Management Tips
      • The Ultimate Guide to Cyber Insurance
      • Ultimate Guide – Data Breach Notification
    • Close
  • Products
    • Insurance Products

      We will find you the right insurance product for your business.

      Use a qualified Insurance Broker to ensure that you have an insurance program that is tailored to your specific needs.

      Quick Quote
      • Asbestos Liability
      • Building Indemnity Insurance
      • Business Insurance
      • Commercial Legal Protection Insurance
      • Contract Works Insurance
      • Contractors Insurance
      • Corporate Travel Insurance
      • Cyber Insurance
      • Design & Construct Insurance
      • Excess Liability Insurance
      • IT Liability Insurance
      • Management Liability Insurance
      • Office Insurance
      • Plant & Equipment Insurance
      • Professional Indemnity Insurance
      • Public & Products Liability
    • Close
  • Occupations
    • Occupations

      We can source insurance for all kinds of occupations.

      As a specialist insurance broker, we have access to a range of local and overseas insurers who are capable of assisting with risks; large or small for all occupations

      Quick Quote
        • Accounting Insurance
        • Architect Insurance
        • Building Designer Insurance
        • Building Inspector Insurance
        • Consultants Insurance
        • Energy Raters Insurance
        • Engineers Insurance
        • Environmental Consultant Insurance
        • Hard To Place Insurance
        • IT Contractors
        • Interior Designer Insurance
        • Labour Hire / Recruitment
        • Landscape Architect Insurance
        • Project Management Insurance
        • Real Estate Agent Insurance
        • Tradies Insurance
    • Close
  • Schemes
    • Schemes

      Insurance schemes for various occupations and industries.

      Webber Insurance has a number of insurance schemes that we have developed for specific industries and occupations.

        • ABSA TPA Assessors
        • ATTMA Insurance
        • Building Designer Association Australia (BDAA)
        • Building Design Queensland (Formerly BDAQ)
        • Building Designer Insurance
        • Design Matters National (Formerly BDAV)
        • Energy Raters Insurance
        • Interior Designer Insurance
    • Close
  • FAQ’s
  • Get a Quote
    • Get A Quote

      We work to simplify the insurance process for our clients.

      Complete one of our online proposal forms today to receive a quote for your insurance requirements

      Get A Quote
      • Accountants
      • Asbestos Liability
      • BAS Agent
      • Bookkeeper
      • Building Inspector
      • Business Insurance
      • Commercial Legal Expenses
      • Consultants
      • Contract Works – Annual
      • Contract Works – One Off
      • Contractors Insurance
      • Corporate Travel
      • Cyber Insurance
      • Energy Raters
      • Engineers
      • Environmental Consultant
      • Interior Designers
      • IT Liability
      • Labour Hire
      • Management Liability
      • Office Insurance
      • Plant & Equipment
      • Professional Indemnity
      • Project Manager
      • Public Liability
      • Real Estate Agent
      • Tax Agent
      • Tradies
    • Close
  • Claims
  • Contact
  • Pay Premium
Webber Insurance Services Webber Insurance Services
Call Menu
  • Get a Quote
  • Make a Claim
  • Products
    • Asbestos Liability
    • Building Indemnity Insurance
    • Business Insurance
    • Commercial Legal Protection Insurance
    • Contract Works Insurance
    • Contractors Insurance
    • Corporate Travel Insurance
    • Cyber Insurance
    • Design & Construct Insurance
    • Excess Liability Insurance
    • IT Liability Insurance
    • Management Liability Insurance
    • Plant & Equipment Insurance
    • Professional Indemnity Insurance
    • Public & Products Liability
  • Occupations
    • Accounting Insurance
    • Architect Insurance
    • Building Designer Insurance
    • Building Inspector Insurance
    • Consultants Insurance
    • Engineers Insurance
    • Energy Raters Insurance
    • Environmental Consultant Insurance
    • Interior Designer Insurance
    • Labour Hire & Recruitment Insurance
    • Real Estate Agent Insurance
    • Tradies Insurance
  • Schemes
    • ABSA TPA Assessors
    • ATTMA Insurance
    • BDAA
    • BDAWA
    • Building Design Queensland
    • Design Matters National
    • Energy Raters Insurance
  • Contact
  • FAQ’s
  • About
    • Testimonials
  • Blog
    • Contractual Liability Essentials
    • Data Breaches In Australia
    • Encryption Guide
    • The Ultimate Guide to Cyber Insurance
Jul 24
Building Designer Insurance: The Complete Guide

Building Designer Insurance: The Complete Guide

  • July 24, 2018
  • Chris Webber
  • Insurance News

Whether you’ve got a keen eye for building design and are researching how to become a Building Designer or have decades of experience making plans for buildings, transport devices or machinery, you need to remember the importance of always being fully insured – this is why you may require Building Designer insurance.

By holding current Building Design Insurance, you could save yourself time, money and stress in the future should the unfortunate event of a claim occur.

How Does a Building Designer Ensure That They Have Adequate Cover?

Most jobs come with a certain level of risk.

However, as a Building Designer, you will be sought out as a ‘professional’ and assumed to hold a higher degree of skill, knowledge and experience than your client.

If, during a project, a client feels that a material, financial or physical loss can be attributed to your failure to uphold the professional standard for which they hired you, you could risk being sued.

Building Designer:  The Job

Have a think about what your job entails on a day-to-day basis.  From speaking with clients to creating sketches advising how best to approach the design of a building, transport device or piece of machinery, your role is complex and multi-faceted.

Australia is relatively unique in having both Draftsmen and Architects.

Many Draftsmen now refer to themselves as ‘Building Designers’”, however, this hasn’t always been the case.

In years gone by, Architects would primarily decide how the design would be built.  The Draftsman would then be responsible for re-drawing sketches/plans and distributing them to builders.

As Draftsmen have taken on increasing levels of responsibility (often giving advice directly to clients), it is becoming essential for a Draftsperson to ensure they are fully covered with the correct insurance.

It’s always a good idea to find an Insurance Company that works specifically with Building Designers, Draftsmen, Architects or other professionals within the same industry – or even have a specific Scheme covering these industries.

By working with industry-specific experts, they’ll be able to offer you advice on the types of insurance that a Draftsperson would need and may also have recommendations as to the best providers and packages available to meet your needs.

Please note that when seeking insurance, it is important to consider the various State and National legal/industry requirements set out by the relevant Government authority/s.

What Types of Insurance Does a Building Designer Need?

Think about your personal requirements – you may be a small independent company of Building Designers, or you may be working within a larger company.

Consider the type of projects you work on and any contracts you currently have – these will usually state the specific type of insurance they require all their workers to have.

For example, in Victoria, according to the Australian Business Licence and Information Service, there are a number of different insurance requirements.

Professional Indemnity Insurance

This insurance is specifically designed for any professionals who give advice or provide a service to their clients.

Professional Indemnity Insurance can protect a business from legal costs and claims from third parties.

These claims could be for anything from damages that are perceived to have arisen from the professional’s acts or omissions to claims that professional duty has been breached.

For example, should a Building Designer do, or forget to do, something that is seen to cause injury or financial loss to their client and the client decides to take legal action against them, Professional Indemnity insurance would provide the Building Designer with the necessary cover to protect them and their business.

Defending yourself can be financially crippling without the correct insurance, and your entire livelihood could be at stake.

Even if your actions are carried out with the best intentions, you need to have a backup in case a client feels you have been negligent or offered incorrect advice.

It is not uncommon for legal fees to run into hundreds of thousands of dollars.  With Professional Indemnity Insurance, you have the peace of mind that in the event of a claim, your costs could be covered and legal teams will work diligently to defend you in any action taken against you or your company.

Other Types of Insurance Available to Building Designers:

  1. Personal Accident and Illness Cover:

It’s likely that your income as a Building Designer will be your main source of income, and you may have dependents and family members who rely on this.

It would make sense for you to be covered in the event of an injury, accident or serious illness requiring you to take time off work, ensuring a continuity of income stream.

  1. Public Liability Insurance

You may spend the majority of your time visiting sites and meeting with clients in their homes or workspace.

However, if you have an office or studio where you hold meetings, however infrequent, you may need to hold public liability insurance to cover any injury or damage that occurs to a person or property.

  1. Tax Audit Cover

When you’re running your own business, making time for tax auditing and accounting can be hard.  You may not fully understand the processes involved and may require the help of an expert.

Tax audit insurance allows you to cover the costs of a lawyer or accountant to assist you in the event of an audit by the Australian Taxation Office.

  1. Business Insurance

As your business grows, so do your insurance requirements.  When your business is large enough to have its own office, you may need to look at Business Insurance.  A Business Insurance policy has multiple sections and can cover risks such as:

  • Property Damage
  • Theft
  • Business Interruption
  • Glass

A Business Insurance policy can also incorporate your Public Liability Insurance and Tax Audit Insurance, removing the requirement to have multiple policies.

  1. Cyber Insurance

Australian businesses face ever-increasing exposure to some kind of cyber loss.  Building Designers are not exempt from this exposure, with their businesses facing events such as:

  • System Damage – Costs to repair your systems and website when they have been hacked
  • Cyber Extortion – Hackers wanting money to give back your information or website
  • Accidental Virus Distribution – Costs of fixing your clients’ systems if you accidentally send them a virus
  • Business Interruption Costs – This money helps your business to continue if you suffer a loss and lose business income

An important cover that some insurers do not automatically include is Social Engineering.  This cover protects you against situations such as accidentally sending money to a fake account based on a common email that looked legitimate.  This is one of the most common issues small businesses and their staff encounter.

Why Do Building Designers Need Insurance?

There are a few reasons why any Building Designer might need to get insurance, however, the majority of these relate to the type of work that you are doing, the State you are working in and any other legal requirements or mandatory licensing arrangements.

Like any business, protecting yourself and your business against potential claims makes sense.

Tasks a Building Designer may conduct on a day-to-day basis might include:

  • Preparing technical drawings based on rough sketches and drawings given to you by architects, engineers and surveyors
  • Checking drawings for accuracy
  • Using judgement and initiative to adjust and change detailed drawings
  • Creating drawings using CAD (Computer Aided Design)
  • Contract administration and management of a project
  • Management of outputs

Even with the best of intentions, accidents and mistakes can happen.

As a Building Designer, you could potentially be held responsible for any error or mistake resulting in a loss to the client.

In order to defend yourself against such a claim, the right insurance will offer in-house legal support and some legal costs and, if awarded, pay out damages.

Major law firms and insurance companies regularly deal with Building Designers who have suffered the crippling effects of a claim against their business.

Some instances where having the right insurance could save you a huge amount of money, time, and stress include:

  • Claims made against you for negligence in preparing technical drawings and plans
  • Claims that you have failed to make the necessary or required adjustments and changes to drawings
  • Claims of negligence in the management of outputs
  • Claims that you have failed to maintain a prime working knowledge of the technological changes within programs such as CAD.

How Much Insurance Does a Building Designer Need?

The amount of cover you need will depend upon your circumstances and the type of company you work for or own, and the State you live in.

To determine the level of insurance a Building Designer might need, it would be prudent to first check with the relevant State Government body to find out the exact requirements.

It’s also worth checking the insurance requirements of each specific project you’re working on in conjunction with the mandatory State laws you need to adhere to (some states, such as Victoria, have statutory requirements for insurance coverage.)

Whilst it may be tempting to opt for cheap alternatives or seemingly attractive ‘deals’, it’s important to realise that you could find yourself worse off in the future if, for example, the policy you’ve purchased doesn’t cover your full costs.

Member of an Association?

We are the preferred insurance partner of the following associations:

  • Design Matters National
  • Building Designer Association of Australia (BDAA)
  • Building Design Queensland (formerly BDAQ)

All members of these associations have access to a unique, tailored insurance solution for their insurance requirements.

We also work with Building Designers from all the other states and have a specific policy wording available with competitive premiums available. Get in touch with us for a tailored quote or more information.

All Sorted? Any Questions?

Once you’ve found the right insurance for you as a Building Designer, you’ll be able to get back to the important part – doing your job to the best of your ability.

However good a Building Designer you are, it’s inevitable that mistakes may be made and accidents can happen.

By knowing that you are fully insured against any claims made against you, you’ll have peace of mind that you’ll be covered financially – saving you money, time and stress in the long term.

Now, back to the drawing board!

  • Facebook
  • Twitter
  • Reddit
  • Pinterest
  • Google+
  • LinkedIn
  • E-Mail

About The Author

Chris Webber is the Director of Webber Insurance Services. Chris has been in the insurance industry for 20 years and is an SME business insurance specialist. The information on this blog and website is of a general nature only. It does not take into account your individual financial situation, objectives or needs. You should consider your own financial position and requirements before making a decision. We recommend you consult a licensed insurance broker in order to assist you.

Comments are closed.

Recent Posts

  • Insuring Principal Supplied Materials
  • Insurance Cover for Existing Structures: A Guide for Builders
  • Understanding Policy Parameters in Contract Works Insurance
  • Understanding Contract Works Insurance: Turnover (Transfer) vs. Run-Off Policies
  • Single Project vs. Annual Contract Works Insurance Policies: Understanding the Differences
  • Commercial Drone Insurance: Everything You Need to Know
  • Daniel Webber Named Elite Broker for 2024
  • What Australia’s 2023–2030 Cyber Security Strategy Means for You
  • Securing Customer Data for Small to Medium Businesses [Australian Cyber Security Centre]
  • ‘Active’ Cyber Insurance – The Future for Small Businesses

Contact us

  • Make an enquiry
  • Get a Quote
  • 1300 932 237
Webber Insurance Services
  • Terms of Use
  • Privacy Policy
  • Financial Services Guide
  • Complaints & Disputes Handling
  • Code of Practice
  • Compliance Hub
© Copyright 2025 Webber Insurance Services

328A Magill Road, Kensington Park SA 5068

Webber Insurance Services Pty Ltd | ABN: 88 648 036 929 | CAR No: 413233

Authorised Representative of Webber Insurance Group Pty Ltd | AFSL: 488465 | ABN: 70 612 339 894 All rights reserved

Get a BDAA Insurance Quote

New insurance quotes or renewals for BDAA members who provide building design or energy rating (or similar) services.

"*" indicates required fields

BDAA Insurance Renewal
Energy Rater Insurance Renewal
New Energy Raters Insurance Quote
This field is for validation purposes and should be left unchanged.

Request Insurance Advice

Have a question or need advice from a qualified insurance broker?