Policy Features
A heritage consultant provides technical and conservation advice to owners of heritage listed sites, undertaking assessment work of these sites, and preparing conservation management plans and reports.
Why do Heritage Consultants require professional indemnity insurance?
The services provided by a heritage consultant include:
- Planning Permission and Listed Building consents
- Provide advice on planning and management of the conservation of heritage sites.
- Make heritage assessments based on investigating and assessing the significance of an item then prepare conservation and management recommendations for that item.
- Preparation of reports regarding the impact of proposed works on the significance of a heritage site.
- Prepare interpretive material so that communities and visitors can better appreciate and understand the heritage of a place.
- Management of heritage assistance funds, small scale conservation work and the preparation of studies.
- Developing heritage strategies, guidelines and brochures.
- Collection of grant applications and managing acquittals.
- Research services for the preparation of heritage, precinct and thematic studies, conservation management plans and interpretive displays.
- Heritage Exhibitions, Presentations and Events
- Historic Buildings & Site Appraisals
- Adaptive reuse of heritage buildings
A heritage consultant needs to be vigilant and careful while conducting the above mentioned tasks. It is recommended that all practicing Heritage Consultants maintain a Professional Indemnity policy in order to protect them from any claims for a financial loss that may arise due to their negligence.
Public Liability Insurance for Heritage Consultants
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 Heritage Consultants:
- Failure to provide guidance and appropriate policies regarding the heritage sites and items
- Failure to seek proper planning permission
- Negligence in managing the conservation of heritage sites
- Misuse of the funds collected for conservation or restoration of heritage sites
- Damage to the heritage site during the renovation process
- Damage or theft of heritage items as a result of poor procedures/supervision
- Any loss or damage to the life and property of a tourist while visiting a heritage site due to sub standard work of renovation
- Inappropriate planning for cataloguing and exhibiting heritage collections
- Negligence in archeological excavation projects
- Failure to meet statutory requirements while restoring or renovating a heritage site
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.
Policy Features
Price
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.
Purpose
From a compliance perspective and for 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.
Convenience
We have designed the Insurance application process so it only 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 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 on the same day.
Renewal
Approximately one month prior to the renewal of your policy you will receive a renewal reminder email 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.
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 prudential regulator of the Australian financial services industry.
The financial strength rating of Berkley Insurance Australia is "A+ (Strong)" by Standard & Poor's.
Charitable Contribution
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.
Lodge a Claim
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 and email to australia@wrberkley.com
