Doc Summary
Professional Indemnity Insurance is generally the main cover considered by Town Planners, but it may not address every risk faced by the business.
Depending on how your business operates, you may also need to consider:
- Public Liability Insurance: Can cover claims involving personal injury or property damage arising from your business activities. This may be relevant when attending sites, council offices, public meetings or client premises.
- Cyber Insurance: Can assist with cyber incidents, data breaches, system interruption and associated response costs.
- Business Insurance: Can cover office contents, computers, equipment, property and business interruption, depending on the policy selected.
- Management Liability Insurance: Can cover certain risks associated with managing a company and employing staff, including employment practices and allegations against directors or officers.
- Commercial Motor Insurance: May be required for vehicles owned by the business or used extensively for work.
- Corporate Travel Insurance: May be relevant where directors or employees travel for projects, conferences or other business purposes.
- Workers Compensation Insurance: May be required if you employ workers. Requirements differ between states and territories.
- Personal Accident and Illness Insurance: May provide financial support where a self-employed person cannot work because of an accident or illness.
Not every Town Planner will need every type of insurance. The appropriate combination depends on your business structure, employees, equipment, travel, contractual obligations and the work you perform.
Contact your usual Webber Insurance broker or call 1300 932 237 to review the wider risks applying to your business.
Frequently Asked Questions #
Town Planners #
How do subcontractors and other consultants affect a Town Planner’s insurance?
Town Planners can engage traffic consultants, environmental consultants, engineers, surveyors and other specialist advisers. Using another consultant does not automatically transfer the Town Planner’s responsibility where the Town Planning business contracted to provide or coordinate the overall service.
Consider written scopes, qualifications, relevant Professional Indemnity Insurance, appropriate limits and current Certificates of Currency. Material subcontracting arrangements should be disclosed to the insurer because the policy response and underwriting requirements depend on the services, contracts and engagement structure.
General Advice Warning: The information on this page is general in nature and does not take your personal circumstances into account. You should consider whether it is appropriate for you and seek professional advice before making any decisions. For tailored advice, please contact Webber Insurance Services.
