Archaeologists are professionals studying material and environmental remains to understand human history, lifestyle, behavior, culture and values.
Professional indemnity insurance is recommended for all practicing Archaeologists, to protect you from mistakes made by you that cause financial loss to a third party.
Why do Archaeologists need professional indemnity insurance?
Archaeologists are usually engaged in:
- Recording sites using drawings
- Working on field excavations or digs
- Analyzing finds by grouping, identifying and classifying them
- Using computers to produce simulations of the way a building, site or artifact would have looked
- Cleaning and preserving finds
- Conducting laboratory tests, such as radiocarbon dating
- Checking planning applications and identifying any possible archaeological impact
- Ensuring important buildings, monuments and sites are protected and preserved
- Producing and publishing excavation and site reports
- Producing publicity materials and publishing articles about research, site interpretations or excavations
- Assisting in the display of artifacts
There is legal uncertainty regarding the above mentioned services provided by Archaeologists. For example, their analysis and research work could be misleading and be relied upon by others who in turn suffer financial loss. Professional Indemnity insurance is a protection mechanism for Archaeologists designed to cover their legal fees and damages in the event of a claim.
Public Liability Insurance for Archaeologists
If you or any of your employees visit a customers premises your actions could cause an injury to another person. Similarly, if an accident happens whilst a member of the public comes to your place of business and they are injured you could be held liable. Public Liability Insurance protects you in the event that such accidents occur and a claim is subsequently made against you.
Public liability insurance also covers you if damage is caused to third party property while at the customers business. An example would be if an employee broke a valuable item while making a delivery at a customer's home. The claim to replace the item would be covered by public liability insurance.
Key exposures for Archaeologists:
- Negligence in provision of research findings
- Reporting misleading information regarding the artifacts
- Incorrect analysis of artifacts
- Incorrect Archaeological analysis
- Damage or theft of important artifacts as a result of poor procedures/supervision by the insured
Why purchase your Professional Indemnity Insurance through Express Insurance?
With Express Insurance, you can source a PI quote in seconds, and have the option of adding Public Liability Insurance. You can then proceed to buy the insurance and produce your Certificate of Insurance in minutes, or alternatively save the quote back to your email account for buying later.
And we save your details on Renewal of your insurance, making the process of renewing your PI Insurance even easier and quicker.
Throughout your experience with us our team of highly experienced PI specialists are a phone call away !
Please Note: Coverage under the policy will be subject to the particular circumstances relating to a claim and the full terms and conditions of the policy.
PI premiums are determined by your Turnover and PL Premiums by the number of staff under your employ. All insurers charge a minimum premium in both respects.
We believe we have negotiated highly competitive premiums for both classes of insurance, and will continue to monitor premium levels available in the market to ensure this remains the case.
Premiums vary between states as a result of differing stamp duty rates, however our minimum Total Premiums for Professional Indemnity start from $602 (incl. GST).
From a compliance prespective and your own protection you should have a minimum level of Professional Indemnity(PI) insurance. In the event that the services you provide for a client lead to a claim against that client they will generally look at claiming against the provider. PI insurance will protect you in the event that this occurs.
We have designed the Insurance application process so that it takes an average of 5 minutes to complete your application. In most cases your application will be instantly approved online, and you can print your Confirmation of Insurance to prove that you have the requisite cover in place... It's that easy !! All other documentation, such as your tax invoice, policy schedule and policy wording will be emailed directly to you for your records.
If the policy can't be issued immediately because we require further information, we will contact you generally the same day.
Approximately one month prior to the renewal of your policy you will receive a renewal reminder with a link that will allow you to review your previous years cover and renew the policy even quicker!
* We have minimized the number of referral situations so that most applications will be automatically accepted. However if for example you have prior claims we will contact you to facilitate completion of your application personally with the Insurer.
Your Insurance policy is arranged by Express Insurance acting as an agent of Berkley Insurance Australia, a registered business name of Berkley Insurance Company (ABN 53 126 559 706) and part of the W.R.Berkley Corporation.
Berkley Insurance Australia underwrites a significant portfolio of general insurance business in Australia. They are fully authorised and regulated by the Australian Prudential Regulator Authority (APRA) which is the predential regulator of the Australian financial services industry.
There financial strength rating of Berkley Insurance Australia is "A+(Strong)" by Standard & Poor's.
For each policy completed online we make a donation to Skin & Cancer Foundation.
About Skin & Cancer Foundation
The Skin & Cancer Foundation Inc is a not-for-profit, DGR registered, organisation which provides specialist treatment, education and research for a wide variety of skin disorders, skin cancers and melanomas.
We will work with you to ensure that claims are handled in a professional manner and that you get a fair outcome from the Insurer. The first step is to lodge your claim as outlined below.
Please complete the claim form via the link below and email to firstname.lastname@example.org