Town Planners
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What is Run-Off Cover
Last Updated: July 29, 2025Run-off cover is a type of insurance that kicks in after you stop working, retire, or sell your business. Run-off cover extends a claims-made insurance policy, protecting you against claims that arise from past work, even when you are no longer operating. It’s most often used with Professional Indemnity Insurance, which only responds to claims made during the policy period. Without run-off, you could be left exposed if a client brings a claim months or even years after your last job. Run-off can usually be arranged as an annual policy or paid up-front for multiple years. It has a step-down premium calculation, with a rough indication being that for 7 years of run-off cover, the premium will be around 4 times your last insurance premium. For example, your final year premium is $2,000. To obtain 7 years of run-off coverage, the premium will be approximately $8,000. If only one year of run-off cover is required, the premium is generally the same as your final year’s premium, which in this case would be $2,000. ** Note that each insurer operates differently and may offer amounts that differ from the indicated amount. ** Run-off is a smart way to protect your legacy...
I work under a Council or a Planning Body. Do I still need my own Insurance
Last Updated: June 19, 2025If a council directly employs you, you are usually covered under their corporate insurance policy. However, if you operate as a contractor or consultant, you are likely not covered, and you will need your own insurance. Many councils and government agencies require proof of Professional Indemnity Insurance and Public Liability Insurance before engaging a Town Planner as an external provider. We can help you arrange cover that meets the specific requirements of public sector contracts. Please contact our team today to learn how we can assist you with your Town Planning insurance requirements.
What are some common PI claims that Town Planners experience
Last Updated: June 19, 2025Town Planners can face a variety of civil liability (professional indemnity) claims. Common examples include: Financial loss suffered by a client due to planning approval delays or missed development deadlines Allegations of incorrect or incomplete advice regarding zoning or development restrictions Community opposition or legal disputes arising from planning recommendations Reports or submissions being deemed inaccurate or non-compliant, requiring costly resubmission Disputes arising from advice provided in land rezoning or subdivision cases These types of claims can be complex and expensive to resolve. Having the right Professional Indemnity cover in place gives you access to expert legal support and helps protect your reputation. Webber Insurance is a specialist in dealing with the insurance requirements of Town Planners. Please get in touch with our team to learn more.
Aside from Professional Indemnity, what other Insurances should a Town Planner consider
Last Updated: June 19, 2025Whilst Professional Indemnity insurance is usually a mandatory cover for Town Planners, it is also important that they consider the following optional insurance covers to protect their business from broader risks. These covers include: Public Liability Insurance, particularly if you attend public forums, council offices or on-site meetings Cyber Liability Insurance if you store plans, reports or client data electronically Business Pack Insurance to cover laptops, furniture and portable devices Management Liability Insurance if you operate as a company or employ staff Workers’ Compensation Insurance if you employ workers Every business is unique. To get tailored advice to your business requirements, please speak to our team.
What limit of Professional Indemnity cover does a Town Planner require
Last Updated: June 19, 2025The limit of Professional Indemnity cover a Town Planner requires will depend on: The size and complexity of the planning projects you are involved in Whether you work with government, developers, or private clients Any contractual requirements from councils, regulatory bodies or corporate clients Whether you provide strategic or statutory planning advice State licensing requirements, noting that each state is different Common starting limits are $1,000,000 – $2,000,000, with limits available up to $20,000,000 for Town Planners involved in significant or high-risk developments. We can help you assess your project risk profile and recommend a limit suited to your level of exposure. Please get in touch with our team for assistance.