About the EnviroSure® Business Insurance (Professional Indemnity and Public Liability) policies for individuals who work in the accreditation and certification industries


EnviroSure Business Insurance (providing separate Professional Indemnity and Public Liability policies).

The Professional Indemnity is provided on a shared Aggregate Limit policy meaning that you are insured as part of a much larger organisation and you gain the benefit of cheaper insurance premiums. It means you will be in a pool of insured people and together you are all covered up to a shared $10 million each in any single year for Professional Indemnity (or $20 million if you choose the higher Public Liability limit). The Professional Indemnity policy has a reinstatement of another $10 million Limit in the event the first is exhausted and would be available for other claim(s) that are unconnected with the first $10 million limit.

The number of potential claims and size of the safety net are carefully calculated to ensure that there should be enough money to cover the claims.

A benefit of this structure is that we (EnviroSure) can easily analyse all claims in the group to assess whether a systemic problem is leading to claims and can use that information to advise you how to avoid future risks.

In the unlikely event that the amount of claims in the same year seriously erodes or exhausts both $10 million limits then we would charge a Reinstatement Fee to top-up the insurance pool. However, if you decide to move to a different insurer at that point, we would not charge you any break costs or penalty. All that being said, we have never had to charge a reinstatement fee and do not anticipate ever having to in the future.

If you represent a large enough organisation we can arrange for your own Aggregate Limit policy to cover all your employees at a far better price than you may be paying now. Contact us for more information.

The Public Liability is provided to each individual who has their own limit of $10 million or $20 million for each and every claim


Benefits to you as the person or business that is insured

  • An affordable policy – click here for a quote
  • Public liability: $10 million or $20 million (two levels of cover are available) for any individual claim, unlimited in the aggregate
  • Products liability: $10 million in the aggregate (or $20 million if you choose the higher limit)
  • Goods in Care custody Control: $250,000
  • Professional Indemnity or liability: $10 million ($20 million in the aggregate)
  • Environmental liability $10 million ($20 million in the aggregate): Pertains to potential environmental risk
  • Third party property damage and personal injury are covered irrespective of an accident or breach of professional duty
  • There are no disclaimers – we stand by the efficacy of our product
  • Retroactive cover is included, which means that the cover responds to claims reported during the currency of the policy even if the event occurred prior to the policy being arranged
  • You can obtain cover quickly using our online system

Rules

  • The minimum period for cover is 12 months
  • Cover can be arranged up to one month before the start date of the policy
  • The policy applies to the individual or entity that is insured – including employees of the entity if declared in the application
  • Sub-contractors must arrange their own insurance separately
  • You cannot guarantee the outcome of the services you provide, e.g., we won’t insure you against failing to deliver on a fixed price you have quoted
  • We will not insure “acts of negligence with a deliberate intent to cause or inflict harm” – so unintentional or accidental negligence is covered but deliberate negligence is not

What does the policy not cover?

This insurance program covers the professional services that you deliver within the scope of the level of expertise or competence that you have achieved.


The insurance does not cover:

  • The sale, supply or distribution of any goods or products that you manufacture, construct, alter, repair, or treat
  • Workers compensation claims (you need specific cover for that)
  • Activities outside the scope of your professional advice, unless they are included as part of your licence
  • An entity engaged who has (or who should have) their own insurance
  • Activity that is not directly related to the professional services licence that you are seeking to insure – so if you are in trade, you may need separate insurance for your trade (just ask if you are uncertain)
  • Dishonest, malicious or illegal acts
  • Your business assets – you need to have separate cover for this
  • Any Claim or Claims made or actions instituted within the United States of America or Canada or any territories which come within the jurisdiction of the United States of America or Canada
  • Loss or liability arising from ionising radiation or contamination by radioactivity (this is a standard clause in all insurance policies)
  • War and terrorism (this is a standard clause in all insurance policies)
  • Promises that you make in contracts that may be unfair – we do cover you for your liability "at law" irrespective of whether a contract even existed
  • Errors in contracts that would not be approved at law
  • Any fines, penalties, punitive or exemplary damages unless accepted by the insurer
  • Any negligence in connection with the estimate of your professional services – so you cannot claim for losses you make because you did not quote the right price for the work
  • Any claims for liability arising out you failing to meet contractual requirements relating to output, efficiency or durability – UNLESS the failure relates to a negligent act, error or omission that you make during the professional conduct of your Business.
  • Environmental Pollution, Asbestos and Toxic mould – UNLESS the claim arises out of your professional services.

Where can I find the policy documentation?

  • You can find your General Public and Product Liability Policy here.
  • You can find your Professional Indemnity Insurance Policy here.
  • You can login to your account to view and download a copy of your certificate of insurance.

Who we cover

Our clients come from a wide diversity of Professions, Commerce and Industry, the common theme being that they are people who have a professional organisation that sets standards for their industry.

All major trades are normally accepted by underwriters, however this is at underwriter’s discretion. If your occupation cannot be covered under this Professional Indemnity shared limit facility then we will be delighted to arrange insurance for your business separately.

Click here to arrange your insurance.

Some of the professionals we currently cover include:

Professional

Professional Association

Abbreviation

ABSA Accredited Assessor

Association of Building Sustainability

ABSA

ABSA Thermal Certificates

Association of Building Sustainability

ABSA

Accredited Design and install micro-hydro systems up to 6.4 kW

Clean Energy Council

CEC

Accredited design and install small wind systems up to 10 kW

Clean Energy Council

CEC

Accredited Environmental Auditor

Environmental Consultants Association

ECA

Accredited Grid-connect Design and Install

Clean Energy Council

CEC

Accredited Grid-connect Design Only

Clean Energy Council

CEC

Accredited Grid-connect Install Only

Clean Energy Council

CEC

Accredited Pool Safety Inspector

Pool Safety Council

PSC

Accredited SPS Design and Install

Clean Energy Council

CEC

Accredited SPS Design Only

Clean Energy Council

CEC

Accredited SPS Install Only

Clean Energy Council

CEC

Aerospace Auditor

International Register of Certified Auditors

IRCA

Aged Care Professional

Exemplar Global

EG

Aged Care Professional

RABQSA

RABQSA

Air-conditioning 101

Australian Institute of Refrigeration Air Conditioning and Heating

AIRAH

Air-conditioning 101

Heating Ventilation Air-conditioning and Refrigeration

HVAC&R

AS9100 Aerospace Auditor

Exemplar Global

EG

AS9100 Aerospace Auditor

RABQSA

RABQSA

AS9110 Aerospace Auditor

Exemplar Global

EG

AS9110 Aerospace Auditor

RABQSA

RABQSA

AS9120 Aerospace Auditor

Exemplar Global

EG

AS9120 Aerospace Auditor

RABQSA

RABQSA

Environmental Consultant (Associate)

Environmental Institute of Australia and New Zealand

EIANZ

BASIX

Association of Building Sustainability

ABSA

Biology Consultant

Environmental Consultants Association

ECA

Building Code

Australian Institute of Refrigeration Air Conditioning and Heating

AIRAH

Building Code

Heating Ventilation Air-conditioning and Refrigeration

HVAC&R

Building Tuning

Australian Institute of Refrigeration Air Conditioning and Heating

AIRAH

Building Tuning

Heating Ventilation Air-conditioning and Refrigeration

HVAC&R

Bus Operator Accreditation Auditor

Exemplar Global

EG

Bus Operator Accreditation Auditor

RABQSA

RABQSA

Bushfire Reports

Association of Building Sustainability

ABSA

Business Continuity

International Register of Certified Auditors

IRCA

Business Continuity Management

Exemplar Global

EG

Business Continuity Management

RABQSA

RABQSA

CALA Laboratory Assessor

Exemplar Global

EG

CALA Laboratory Assessor

RABQSA

RABQSA

CEC Design & Supervise for Grid-Connect & SPS

Australian Solar Council

ASC

Certificate III & IV Transport and Logistics (TLI)

Waste Management Association of Australia

WMAA

Certificates II & III Asset Maintenance (Waste Management)

Waste Management Association of Australia

WMAA

Certified Environmental Practitioner

Remediation Australasia

RA

Certified Environmental Professional

Australian land and Groundwater Association

ALGA

Certified Risk Manager

Risk Management Institution of Australasia

RMIA

Coles Auditor (food safety management system audits)

Exemplar Global

EG

Coles Auditor (food safety management system audits)

RABQSA

RABQSA

Conduct Waste Assessment

Waste Management Association of Australia

WMAA

Conduct Waste Audit

Waste Management Association of Australia

WMAA

Design/Install Grid Connect Photovoltaic Systems

National Electrical and Communications Association

NECA

Disability Services Audit Personnel

Exemplar Global

EG

Disability Services Audit Personnel

RABQSA

RABQSA

DTS Assessor

Association of Building Sustainability

ABSA

Ecological Consultant

Ecological Consultants Association of NSW

ECANSW

EcoSmart Technicians

National Electrical and Communications Association

NECA

EICC-GeSI Auditor

International Register of Certified Auditors

IRCA

Energy Auditor

International Register of Certified Auditors

IRCA

Energy Auditing

Australian Institute of Refrigeration Air Conditioning and Heating

AIRAH

Energy Auditing

Heating Ventilation Air-conditioning and Refrigeration

HVAC&R

Energy Efficiency Assessments

Building Designers Association of Victoria

BDAV

Energy Efficient Building Operations

Australian Institute of Refrigeration Air Conditioning and Heating

AIRAH

Energy Efficient Building Operations

Heating Ventilation Air-conditioning and Refrigeration

HVAC&R

Energy management Planning

Australian Institute of Refrigeration Air Conditioning and Heating

AIRAH

Energy management Planning

Heating Ventilation Air-conditioning and Refrigeration

HVAC&R

Energy Rater

Association of Building Sustainability

ABSA

Environment

International Register of Certified Auditors

IRCA

Environmental Auditor

Exemplar Global

EG

Environmental Auditor

RABQSA

RABQSA

Environmental Health

Australian Skills Quality Authority

ASQA

Essential Safety Measures

Australian Institute of Refrigeration Air Conditioning and Heating

AIRAH

Essential Safety Measures

Heating Ventilation Air-conditioning and Refrigeration

HVAC&R

Essentials of Air-conditioning

Australian Institute of Refrigeration Air Conditioning and Heating

AIRAH

Essentials of Air-conditioning

Heating Ventilation Air-conditioning and Refrigeration

HVAC&R

Estimations

National Electrical and Communications Association

NECA

Environmental Consultant (Fellow)

Environmental Institute of Australia and New Zealand

EIANZ

Toxicologist (Fellow)

Australian College of Toxicology and Risk Assessment

ACTRA

Food Safety Auditor

International Register of Certified Auditors

IRCA

Food Safety Auditor

Australian Institute of Food Science and Technology

AIFST

Food Safety Auditor

Exemplar Global

EG

Food Safety Auditor

RABQSA

RABQSA

General Environmental Consultant

Environmental Consultants Association

ECA

HACCP Practitioner (food industry)

Exemplar Global

EG

HACCP Practitioner (food industry)

RABQSA

RABQSA

Heavy Vehicle Accreditation Auditor

Exemplar Global

EG

Heavy Vehicle Accreditation Auditor

Heavy Vehicle Accreditation Scheme

HVAS

Heavy Vehicle Accreditation Auditor

National Transport Commission

NTC

Heavy Vehicle Accreditation Auditor

RABQSA

RABQSA

Heritage Environmental Consultant

Environmental Consultants Association

ECA

HSA Assessments

Association of Building Sustainability

ABSA

HVAC Energy Efficiency Design

Australian Institute of Refrigeration Air Conditioning and Heating

AIRAH

HVAC Energy Efficiency Design

Heating Ventilation Air-conditioning and Refrigeration

HVAC&R

HVAC Maintenance for Energy Efficiency

Australian Institute of Refrigeration Air Conditioning and Heating

AIRAH

HVAC Maintenance for Energy Efficiency

Heating Ventilation Air-conditioning and Refrigeration

HVAC&R

HVAC Water Conservation

Australian Institute of Refrigeration Air Conditioning and Heating

AIRAH

HVAC Water Conservation

Heating Ventilation Air-conditioning and Refrigeration

HVAC&R

Industrial Environmental Consultant

Environmental Consultants Association

ECA

Industrial Refrigeration

Australian Institute of Refrigeration Air Conditioning and Heating

AIRAH

Industrial Refrigeration

Heating Ventilation Air-conditioning and Refrigeration

HVAC&R

Information Security

International Register of Certified Auditors

IRCA

Information Security Management Systems Auditor

Exemplar Global

EG

Information Security Management Systems Auditor

RABQSA

RABQSA

Information Technology Service Management

International Register of Certified Auditors

IRCA

Internal auditors of management systems (QMS, EMS, OHSMS, FSMS)

Exemplar Global

EG

Internal auditors of management systems (QMS, EMS, OHSMS, FSMS)

RABQSA

RABQSA

International Product Recall Coordinator

Exemplar Global

EG

International Product Recall Coordinator

RABQSA

RABQSA

ISO 50001 Auditor

Exemplar Global

EG

ISO 50001 Auditor

RABQSA

RABQSA

Laboratory Assessor

Exemplar Global

EG

Laboratory Assessor

RABQSA

RABQSA

Land Consultant

Environmental Consultants Association

ECA

Licensed Electrician

Australian Solar Council

ASC

LockForce Maritime Security Professional

Exemplar Global

EG

LockForce Maritime Security Professional

RABQSA

RABQSA

LPG Australia National Personnel Certification Scheme

Exemplar Global

EG

LPG Australia National Personnel Certification Scheme

RABQSA

RABQSA

Management Consultant

Exemplar Global

EG

Management Consultant

RABQSA

RABQSA

Management System Certification Body Auditor

Exemplar Global

EG

Management System Certification Body Auditor

RABQSA

RABQSA

Maritime Auditor

International Register of Certified Auditors

IRCA

Masters in Sustainability, Certificate IV TAE (training)

Vocational Education Training

VET

NaThers Assessor

Association of Building Sustainability

ABSA

National Food Safety Auditor

Exemplar Global

EG

National Food Safety Auditor

RABQSA

RABQSA

National Food Safety Auditor Scheme Level 3

Association of Accredited Certifiers

AAC

NECASafe WHS Management Systems

National Electrical and Communications Association

NECA

Occupational Health & Safety Auditor

Exemplar Global

EG

Occupational Health & Safety Auditor

RABQSA

RABQSA

Occupational Health and Safety

International Register of Certified Auditors

IRCA

Occupational Health and Safety Practitioner

Safety Institute of Australia

SIA

OH&S Consultant

Mineral Industry Consultants Association

MICA

OH&S in the Waste Industry

Waste Management Association of Australia

WMAA

Organisational Resilience (RES) Management Systems

Exemplar Global

EG

Organisational Resilience (RES) Management Systems

RABQSA

RABQSA

Pharmaceutical Auditor

International Register of Certified Auditors

IRCA

Professional Business Consultant

Exemplar Global

EG

Professional Business Consultant

RABQSA

RABQSA

Professional Trainers

Exemplar Global

EG

Professional Trainers

RABQSA

RABQSA

Quality Auditor

International Register of Certified Auditors

IRCA

Quality Assurance

Association of Building Sustainability

ABSA

Quality Management System Auditor

Exemplar Global

EG

Quality Management System Auditor

RABQSA

RABQSA

Resource Recovery and Waste Transfer

Waste Management Association of Australia

WMAA

Responsible Care Auditor

Exemplar Global

EG

Responsible Care Auditor

RABQSA

RABQSA

Safe Design Professional

Exemplar Global

EG

Safe Design Professional

RABQSA

RABQSA

Safe Quality Food Institute

Exemplar Global

EG

Safe Quality Food Institute

RABQSA

RABQSA

Section J Reports

Association of Building Sustainability

ABSA

Security Management Systems Auditor

Exemplar Global

EG

Security Management Systems Auditor

RABQSA

RABQSA

Skill Examiner

Exemplar Global

EG

Skill Examiner

RABQSA

RABQSA

Social Systems

International Register of Certified Auditors

IRCA

SSiP Assessor

International Register of Certified Auditors

IRCA

Sustainable Building Operations

Australian Institute of Refrigeration Air Conditioning and Heating

AIRAH

Sustainable Building Operations

Heating Ventilation Air-conditioning and Refrigeration

HVAC&R

TickIT Auditor

International Register of Certified Auditors

IRCA

Training Course Certification

Exemplar Global

EG

Training Course Certification

RABQSA

RABQSA

Training Provider and Examiner Certification Scheme

Exemplar Global

EG

Training Provider and Examiner Certification Scheme

RABQSA

RABQSA

Water Environmental Consultant

Environmental Consultants Association

ECA

Water Quality Management Systems Auditor

Exemplar Global

EG

Water Quality Management Systems Auditor

RABQSA

RABQSA

Wiring Inspector

National Electrical and Communications Association

NECA


This is not an exhaustive list – even if your occupation is not listed, you can add it and we can consider how to insure you. Click here to arrange cover.


Our underwriters


EnviroSure is underwritten by A rated underwriters in Lloyd’s and the London insurance market

This means that the risks presented by your business are underwritten entirely by underwriters operating through the Lloyd’s and the London insurance market.
Visit www.lloyds.com for more information about Lloyd’s of London.

EnviroSure Financial Services business relationships

EnviroSure is an insurance initiative and trading name of Insurance Choice Pty Ltd which operates as a corporate authorised representative under the Financial Services License held by Mackellar Insurance Brokers AFS: 243 531.

© 2017 EnviroSure™. All Rights Reserved © 2017