Professionals Insurance

Insurance for Professionals on the Gold Coast.

Insurance for Gold Coast Professionals

Having the right insurance coverage for consultants and professionals is key to protecting you and your business. Whether you provide financial advice, consulting services, legal services, or engineering, having tailored insurance options like professional liability insurance and business insurance for professionals helps protect your business against potential claims, damage, or legal costs. Ausure Insurance Brokers Gold Coast provide specialised insurance solutions and advice for professionals on the Gold Coast and surrounds.

What are the key risks in the Professional Services/Consultants sector?

Professional Services and consulting businesses can face a complex mix of exposures, depending on the range of services provided and the environments in which the business operates.

The potential exposures range from straightforward ‘damage to their own physical assets, like ‘Office’ Contents, &/or expensive specialist equipment needed for use on site, to Legal and Professional Liability exposures arising out of their advice, design or supervision activities.

The following is a summary of the typical covers purchased by a Professional Services business. Your Ausure Insurance Broking specialist can assist you to select appropriate covers to suit your own unique risk exposures in which you and your business engage.

Fire & Perils /Accidental Damage
Covers your physical assets (buildings; stock; contents) against loss or damage by certain physical events such as fire; water; malicious or accidental damage; storm & tempest and the like.
Business Interruption
This cover pays for any profits lost by the business when it has been unable to trade, due to loss or damage from an event covered by the policy. The cover can also include wages and other out of pocket expenses.
Public & Products Liability
Covers your legal liability to third parties for personal injury or damage to their property if you are held to be negligent at common law, arising out of your business or your products.
Burglary
Pays up to whatever amount you nominate in the policy against the event of Burglary / Theft of your physical assets from your premises.
Glass
Covers glass at your premises against damage necessitating replacement.
Computer & Electronic Equipment Breakdown
Pays for the cost of repair of your computers and electronic equipment, including software following in the event of a computer breakdown breakdown. It also includes cover for Restoration of Lost Data.
Machinery Breakdown
Pays for the repair or replacement of your machinery following breakdown whether mechanical or electrical.
Mobile Plant & Equipment / Portable Property
Covers nominated Registered and Unregistered Plant & Equipment, against loss or damage, anywhere in Australia.
Property in Transit
Covers Stock whilst in transit, (road, rail or air), up to a nominated ‘limit any one event’.
Professional Indemnity
For businesses providing professional advice or service, this pays for legal liability for financial loss alleged by third parties, as a direct result of reliance upon your professional advice or service.
Management Liability
Covers your liability to third parties as businesses managers, for such things as Employment Practice Liabilities for wrongful dismissal or discrimination, Statutory Liabilities for breaches of Corporations Law, breaches of Fair trading law, etc.
Cyber Protection
Helps safeguard you and your business against expenses and legal costs if your website or other systems are hacked and your system cannot be used, customers’ details are stolen, or a ransom is made.

Contact Ausure Insurance Brokers Gold Coast - Your Local Insurance Broker on the Gold Coast and surrounds

For any general insurance enquiries, reach out to Ausure Insurance Brokers Gold Coast. Looking for something more specific? No problem. Our team will customise a package tailored to your unique situation, industry, and business needs.

Request a Quote for Your Insurance Needs

What does your Insurance enquiry relate to?

Before we get started, what type of service are you looking for?

A full review by an Insurance Broker
Full Review to assess what insurances are required by a Insurance Broker

I know what I need - no advice or review required
No review or advice - quotes for insurance covers and limits you request. Depending on your enquiry, we may require additional information to provide a quote.

Select your preferred level of service below:

What is the primary type of Business, Trade, or Service that you provide?

Referrer Name

Brand

Lead Source

Lead Type

Referrer Type

Office

Contact

Type

Business Details

What is your Business Name?

ABN (Optional)

Type of Business, Trade, or Service that you provide?

Do you have a building license?

What is your estimated Annual Turnover for this year?

No. of Employees including yourself

Does your business employ Contractors and/or Sub-Contractors or Labour Hire personnel?

Approximate $ paid to Sub Contractors/Contractors:

Do you ensure that Contractors, Subcontractors and/or Labour Hire personnel have their own liability, and keep record of where applicable, where necessary?

Tell us about the types of services and work you do for clients:

Business Activities

Do you do any work or provide services to customers in the following industries?

Manufacturing
Civil Works
Aviation
Marine

Mining
Oil and Gas
Public Utilities

Types of Services/Work Completed

Do you perform external work over 10M in height?

Does your work involve welding?

Do you perform underground work over 3M in depth?

Select Required Insurance Covers

If you are unsure or would like more information on any of the cover types, select 'Yes'.

Insurance Basics
Insurance types that are essential for most business and industry types.

	Yes
Liability
General Property (Tools)
Personal Accident
Commercial Motor
Contractual Liability
Workers Compensation
Other

Business Insurance Types Generally Required
Covers that are commonly required for most Businesses.

	Yes
Contract Works
Burglary
Business Interruption
Corporate Travel
Cyber
Flood
Fire & Perils
Glass
Money
Management Liability
Professional Indemnity
Trade Credit
Transit

Insurance That Applies to Some Businesses
Covers that are relevant for some businesses. generally taken by others in your industry to protect the essential risks of doing business.

Insurance That Applies to a Few Businesses

	Yes	No
Aviation
Environmental Liability
Cancellation & Abandonment
Marine Hull and P&I
Shiprepairers Liability
Investment Properties
Political Risk
Voluntary Workers

Businesses Relating to Customers Goods & Vehicles

Farm Insurance Cover Options

	Yes
Crop
Drones Insurance
Home Buildings
Harvested Crops
Gates & Fences
Livestock
Working Dogs
Farm Property
Farm Motor Vehicles
Farm Interruption
Machinery Farm Interruption
Motor Farm Interruption
Theft of Farm Property
Theft Farm Machinery
Other

	Yes
Home Insurance
Car Insurance
Landlord Insurance
Boat
Other

General Property

$5000 Tools Cover$7500 Tools CoverNot RequiredQuote Requested

price5m

InsightID

tfa_accident_cover

tfa_general_property annual

Customise Your Liability Insurance

Preferred limit of Liability

$5M Limit$10M Limit$20M LimitNot sure / Other

Customise Your Personal Accident Insurance

Select your level of Personal Accident cover

$1000 per week Personal Accident$1500 per week Personal AccidentOther

Do you want to be covered for Accident Only OR Sickness too?

What is your Date of Birth?

Do you have any pre-existing medical conditions?

Please provide details

Customise Your General Property (Tools) Insurance

Level of General Property Cover Required

$5000 Tools Cover$7500 Tools CoverOther

Do you have any one Tool that is worth more more than $3000 in value?

Tools Over $3,000 In Value

Please specify items and values for each where value is more than $3000

Would you like us to suggest additional insurance types relevant to your Business?

price10m

price20m

price5m_monthly

price10m_monthly

price20m_monthly

Total

Selected Cover Option

Trigger Instant Quote

Quote success

Cover selected

insurance_personal_accident_annual

InsightID

insurance_personal_accident_monthly

Session ID

General Property

$5000 Tools Cover$7500 Tools CoverNot RequiredQuote Requested

price5m

Session ID

Duty of Disclosure

Please Review Carefully

Before proceeding, ensure you disclose all relevant information. Non‑disclosure may lead to denial or reduction of claims, cancellation of your policy, or voiding of the contract (in cases of fraud). If anything below triggers a “Yes”, be prepared to provide details when requested.

Have you ever had an insurance policy cancelled, declined, or had special terms imposed?
Have you ever been declared bankrupt?
Have you ever been involved in a company or business that became insolvent or was subject to insolvency or voluntary administration (e.g. liquidation or receivership)?
Have you ever been convicted of any criminal offence (other than minor traffic convictions)?
Have you ever been liable for any civil offence or pecuniary penalty (exceeding $5,000)?

Do any of the above apply to you?

Please Provide Additional Details

Claims History

Have you ever had a claim declined or refused due to fraud, suspected fraud or suspicious circumstances?
Have you had any Business or Personal Insurance claims in the last 5 years?
Within the last 5 years, have you ever been charged or convicted of a criminal offence?

Is the answer YES to any of the above?

Please Provide Additional Details

Your Contact Details

First Name

Last Name

Mobile Phone Number

Your Existing Policy Details

To assist us in forwarding your enquiry to your current Insurance Broker, please provide details relating to your existing policies below.

Name of your Insurance Broker or Brokerage

If you are unable to provide the above, please provide details that may assist us in identifying your broker:
- Policy Number/s
- Insured's Name, Email or Phone Number listed on the policy
- Address listed on the policy

Details of you Enquiry

Address Details

Providing your address will allow us to allocate your enquiry to the appropriate team.

Street Address

City

Postal Code

State

Country

Tell us About Your Farm

What is the size of your property?

Please provide additional details about your Farm operations

Upload a copy of your current Insurance Policy Schedule

Save time and upload your current business insurance policy schedule.

Please provide additional details on how we can assist you:

Anything else you would like us to know?

Thank you for choosing Ausure.
Your enquiry has been received and is now with our specialist team.
We’ll be in touch shortly to discuss your insurance requirements and guide you through the next steps.

Essential Tips for Choosing Commercial Property Owners Insurance

Understand Your Industry-Specific Risks: Every profession has unique risks, so it’s essential to choose coverage that addresses your specific liabilities, whether they involve client consultations, contractual work, or specialized advice.

Consider Professional Indemnity Insurance: This insurance is vital for protecting against claims of negligence, advice errors, or service omissions that could lead to legal disputes and costly settlements.

Don’t Overlook Public Liability Coverage: If clients or visitors come to your office, public liability insurance covers you for third-party injuries or property damage, offering added protection beyond professional indemnity.

Protect Your Assets with Business Insurance: Cover valuable business assets like office equipment, computers, and tools with business property insurance to guard against damage or theft.

Evaluate Cyber Insurance Needs: Professionals often handle sensitive client data, so cyber insurance can protect against data breaches, cyberattacks, and associated costs, especially relevant for digitalized or data-heavy industries.

Regularly Review Your Coverage: As your business grows, update your insurance policies to reflect changes in services, client volume, or new risks, ensuring your protection remains comprehensive and up-to-date.

Our Insurer Partners

Let us do all the hard work for you! We compare policies from multiple insurers to ensure you have the right policy, the right price and most importantly – the right coverage. Check out some of our Insurer Partners below.

Find and compare Insurance for Professionals: Let us help you with your Insurance needs.

Not sure what you need or prefer to get a full risk review? No problem, submit your enquiry here and we will get back to you.

Ausure Insurance Brokers Gold Coast provide businesses with their insurance needs on the Gold Coast, and are part of Australasia’s largest general insurance broker network, the Steadfast Group. We leverage Steadfast’s scale to ensure our clients have access to a wide range of insurance companies, a broad range of products, exclusive policy options, and of course, competitive pricing. And when the time comes and you need to make a claim, you will have the backing of Steadfast behind you.

	Yes	No
Audit & Investigation
Employee Dishonesty
Electronic Equipment
Machinery Breakdown
Machinery Business Interruption
Motor Business Interruption
Product Recall

	Yes	No	Not Sure
Customers Vehicles at Business
Customers Vehicles on Road
Driving Risk
Faulty Workmanship
Liability for Customers Vehicles