Policy Features
Home Sustainability Consultants examine the age of the facility, condition, insulation, airflow and any maintenance issues that negatively effect energy efficiency.
Why do Home Sustainability Consultants need Professional Indemnity Insurance?
The basic essential duties of Home Sustainability Consultants include:
- Evaluation of all of major equipment (boilers, lighting, compressors, etc.) and make recommendations to improve efficiency
- Make recommendations on energy rates and help clients find the best energy providers and programs according to their needs
- Depth analysis of utility bills examining peak usage patterns, trends, and un-necessary charges and fees
- Work to identify grants and incentive programs to help with increased energy efficiency and capital equipment upgrades
- Help clients implement energy efficiency programs and management software
The Home Sustainability Consultants needs to perform all of the above mentioned duties efficiently and effectively. Any errors or negligence may result in a claim or a law suit against them by a client. Professional indemnity insurance will provide an Energy Efficiency Consultant with financial protection in the event a claim occurs.
Public Liability Insurance for Home Sustainability 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 Home Sustainability Consultants:
- Negligence in maintenance of the energy equipment.
- Unsuitable energy recommendation programs for the clients.
- Mishandling and damaging the energy equipment.
- Wrongful advice in relation to the government regulations,
- Incorrect rating and not meet meeting standards resulting in redesign or additional building costs not budgeted for
- Misunderstanding of customer's energy consumption resulting in inadequate/wrongful recommendation in relation to investment cost vs profitable return with various energy options.
- Failure to identify a main area where a customer's energy consumption could have been significantly reduced and resultant financial loss.
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
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
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