Covers businesses and individuals who provide professional advice or services against claims of negligence, errors, or omissions. It’s essential for consultants, professional service providers, health professionals, and other businesses as required contractually. Design Cover assists clients in understanding policy exclusions and ensuring the cover aligns with their specific professional risks and regulatory obligations.

Protects businesses against claims of third-party injury or property damage arising from their operations or products. It’s a critical form of cover for any business that interacts with the public, supplies goods, or operates on client sites. Design Cover helps to ensure clients have appropriate limits in place based on their specific risk and contractual requirements.

Bundles multiple cover types—such as property, liability, and business interruption—into one policy tailored to a business’s specific needs. It offers comprehensive protection at a competitive price and simplifies insurance management. Design Cover is here to help businesses choose the right combination of covers to suit their industry and risk profile. More info can be found here

Covers physical assets such as buildings, contents, stock, and equipment against events like fire, theft, storm damage, and vandalism. It’s essential cover, particularly those with a physical premises or valuable assets. Design Cover can assist you in accurately valuing your assets and tailoring policies to suit their operations.

Protects businesses against financial losses and liabilities arising from cyberattacks, data breaches, and other digital threats. Given the increasing reliance on technology across businesses, this cover is vital for managing risks like ransomware, business interruption, and privacy breaches. Design Cover works with clients to tailor policies that match their cyber risk exposure and regulatory requirements.

Provides cover for company directors and officers against claims related to wrongful acts, including breaches of duty, negligence, or mismanagement. It protects individuals and the business from legal costs and damages arising from shareholder disputes, regulatory investigations, or employment practices claims. Design Cover helps businesses understand the scope of cover needed to protect their leadership team effectively.

Covers landlords against risks related to their rental properties, including damage to buildings, loss of rental income, and liability claims from tenants or visitors. It’s important for those who lease out residential or commercial properties to protect their investment and manage potential financial losses. Design Cover assists property owners in choosing the right cover options based on their property type and rental arrangements.

Provides protection for homeowners and builders by covering defects or incomplete work if the builder cannot complete the project or fix problems due to insolvency, death, or disappearance. It’s usually required for residential building projects above a certain value to give clients peace of mind. Design Cover guides builders and clients through compliance requirements and suitable policy options.

Is a tailored business insurance package for Australian tradespeople like electricians, plumbers, carpenters, and other contractors. It can combine covers such as public liability, tools and equipment, commercial vehicle, and personal accident insurance, making it a simple and cost-effective way to protect your work, gear, and income.

Provides cover for construction projects, protecting against loss or damage to building works, materials, and equipment during the contract period. It helps contractors manage risks like theft, fire, or accidental damage on-site. Design Cover assists in tailoring policies to match the specific scope and duration of each project.

Protects businesses against loss or damage to machinery, tools, and equipment used on-site or in operations. It covers risks like accidental damage, theft, or breakdown, helping minimise costly downtime. Design Cover assists clients in choosing cover that matches the value and type of their assets.

Provides income protection if you can’t work due to injury or sickness. In Australia, it’s popular with self-employed workers and tradespeople, helping cover living expenses and business costs while you recover.

Protects not-for-profit groups, clubs, and associations from claims related to management errors, negligence, or breaches of duty by their committee members or office holders. It covers legal costs and damages arising from disputes or investigations involving the organisation’s leadership. Design Cover helps ensure these groups have suitable protection tailored to their specific governance risks.

Covers volunteers for accidental injury while performing approved volunteer work. In Australia, it helps community groups, charities, and clubs protect their unpaid helpers by providing benefits for lost income and medical costs.

Helps protect organisers from claims of injury or property damage at events, and is often required by Australian venues and councils. It covers risks such as guest injury claims or property damage. We can provide solutions for single events as a one off cover or an annual policy, giving you financial protection and peace of mind.

Provides cover for homeowners against damage or loss to their property and belongings caused by events like fire, storm, theft, or accidental damage. It can also include liability protection for accidents that happen on the property. Design Cover brokers assist clients in selecting policies that suit their home type, location, and coverage needs.

Covers a wide range of vehicles, including cars, trucks, and other road-registered vehicles, protecting against damage, theft, and third-party liability. It’s important for businesses and individuals who rely on vehicles for work or leisure to manage risks and comply with legal requirements. Design Cover helps clients find the right policies based on their usage and coverage needs.

Provides cover for boats, yachts, and personal watercraft against risks such as accidental damage, theft, fire, and storm events. In Australia, it can also include liability cover if your vessel causes injury or property damage, ensuring you’re protected both on the water and while moored or in storage.