BDAV Insurance Program

CK Building Design Photographer: Scott and Nicolette Photography

EXC LUSIVE

TO

B DAV

M E M B E RS

BUILDING DESIGNERS

I n s u rance W W W.W E B B E R I N S U R A N C E .C O M . A U / B DAV

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B DAV @ W E B B E R I N S U R A N C E .C O M . A U

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1300 668 553

ABOUT US

Webber Insurance Services Webber Insurance Services was founded in 2011 to offer a more personal approach in providing expert insurance advice and solutions to SME’s.

EME Design Photographer: Amorfo

Webber Insurance Services is a vibrant insurance broking

Having the right insurance cover is an integral part of any

firm founded in 2011 by Chris Webber and joined by Daniel

business and Chris and Daniel are well aware of the

Webber in 2013. Together Chris and Daniel have created a

requirements and demands facing new business owners and

dynamic business focussed on providing quality insurance

have built up trusted relationships with clients by providing

advice and solutions for small to medium sized businesses.

expert advice, support, knowledge and understanding.

Webber Insurance works for YOU, not the insurers and get

We are part of the Steadfast Group which is the largest

great satisfaction by offering ‘smart’ insurance and risk

insurance broker network in Australia. This provides us with

management solutions.

flexibility and influence when negotiating with insurers on your behalf. Our mission is to ensure that you and your

Webber Insurance Services is pleased to be the preferred

business have the right protection in place should something

insurance broker for the Building Designers Association of

unforeseen happen. We take the time to understand your

Victoria (BDAV). All members have access to a unique,

business and the risks you face.

tailored insurance solution for their insurance requirements.

AWARDS

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WWW.WEBBERINSURANCE.EOM.AU/BDAV

BENEFITS OF JOINING THE

BDAV Insurance Scheme By joining the BDAV Insurance Scheme, you can expect professional, personalised service and market leading insurance policies to protect your best interests.

BROAD SPECIFIC BDAV POLICY WORDING Policy coverage which has been tailor-made for BDAA Members to meet the requirements of each State’s registration body.

FLEXIBLE LIMITS OF COVER We can offer stand-alone Professional Indemnity with flexible limits. Public Liability is easily added with the option of either $10,000,000 or $20,000,000 cover.

SIMPLE ONLINE PROCESS. We’ve made it easy to get a quote with our simple online process – no need for lengthy paperwork. Simply complete your details at www.webberinsurance.com.au/BDAV and one of our friendly and experienced staff will contact you

ENGAGEMENT AGREEMENT Free access to Engagement Agreement – including updates.

EDUCATION & NETWORKING Our Directors will have a strong presence at all BDAV events and meetings in both metro and regional locations.

If you have any questions about your insurance needs - we’re here to help and provide you with the tools to better understand your cover.

DISCOUNTED PREMIUM FUNDING RATES Pay your premium in monthly instalments with discounted Premium Funding rates available to BDAV Members.

EXPERIENCED BROKERS Our team of experienced insurance brokers will work closely with you to ensure that all your insurance needs are met. You can speak directly with one of our friendly team and always have access to Chris Webber or Daniel Webber when arranging your policy.

COMPETITIVE PREMIUMS As a member of BDAV, you will have access to competitive premiums which have been negotiated exclusively for members.

BDAV@WEBBERINSURANCE.COM.AU

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1300 668 553

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BDAV’S PREFERRED INSURANCE BROKER

What’s Covered Webber Insurance has become the ‘go to’ broker for more specialised insurance needs, particularly Professional Indemnity and Public Liability for small businesses, as well as those ‘harder to place’ type insurances.

For Building Designers, every project is unique Maxa Design

and has its complexities

Photographer: Chris Neylon

For Building Designers, every project is unique and has its complexities.

PROFESSIONAL INDEMNITY (stand alone or in conjunction with Public Liability)

That’s why it is important to ensure you are covered for the vast range of exposures that may be present within the profession.

As a building industry professional, you need to ensure that your activities and advice are covered by an insurance policy that is recognised by the Building Practitioners Board or a relevant government registered body.

• Flexible Limits of Cover: $2,000,000 | $5,000,000 | $10,000,000 • Unlimited Retroactive Date • Excess Waived for first Claim* • In-house Claims Handling • Fee Recovery/Mitigation of Loss Cover** • Delay Costs Cover** • Statutory Liability**

PUBLIC LIABILITY Webber Insurance Services listens to its clients and is always looking at ways it can improve its service and is pleased that flexible limits are available for BOTH Professional Indemnity

• Flexible Limits of Cover: $10,000,000 | $20,000,000 • Office and Site Visit Cover

and Public Liability. We have worked with Underwriters, BDAV and Solicitors to ensure the policy wording in conjunction with the newly created Engagement Agreement provide peace of mind to both Building Designers and their clients.

* The excess waiver shall not apply to Claims relating to Mitigation of Loss Cover/Fees Recovery awarded under this policy. ** Refer to Policy Wording for Sub-limits

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FIND OUT MORE ABOUT THE

Key Coverage Benefits By joining the BDAV Insurance Scheme, you can expect professional, personalised service and market leading insurance policies to protect your best interests.

BUILDING ACT 1993 (VIC)

OCCUPATIONAL HEALTH & SAFETY

This policy complies with the Building Act 1993 (Vic) and the

Defence costs arising from a breach of any Commonwealth,

Building Practitioners Ministerial Orders 198 2002.

State or Territory occupation or workplace health and safety legislation.

INTELLECTUAL PROPERTY

LIBEL & SLANDER

Unintentional infringement of copyright, trademark, registered

Unintentional libel or slander by reason of words written or

design or patent, or any plagiarism or breach of confidentiality.

spoken in connection with the conduct of the Professional Business.

CYBER AND PRIVACY BREACH LIABILITY

DISHONESTY OF EMPLOYEES

Insured against civil liability for compensation to any third

Any claim brought about or contributed to by the dishonest,

party arising from any Claim made against the Insured for

fraudulent, criminal, reckless, or malicious act or omission by

unintentional Cyber and Privacy Breach Liability in connection

any Employee. Does not indemnify any person committing or

with their Professional Services.

condoning such dishonest act.

SUB-CONTRACTORS

STATUTORY LICENCE

Covers any sub-contractor, sub-consultant or agent

Legal costs for hearings regarding your licence or registration

performing work pursuant to a contract with the Insured, where

being suspended or revoked.

such work is performed as part of the Insured’s Professional Service and under the Insured’s direct supervision and control.

For hassle free insurance for PUBLIC RELATIONS EXPENSES

building designers, you can

90% of any reasonable fee, costs, and expenses of a public

not go past Webber Insurance

relations consultant where the Insured for the sole purpose of protecting the Insured’s reputation that has been brought to

for product knowledge and

question as a direct result of a Claim.

prompt and personal service.

Narelle Lockwood Narelle Lockwood Design

Please note: This coverage summary has been prepared for general reference only. Nothing contained herein prevails over the terms, conditions and exclusions of the policy. Please refer to the policy wording and policy schedule for full terms, definitions and conditions of cover.

BDAV@WEBBERINSURANCE.COM.AU

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1300 668 553

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4 EASY STEPS FOR

Risk Management

STEP

ONE

STEP

GETTING STARTED

TWO

• Should I accept the engagement?

• Is it worth it?

works:

• Document the client’s requirements and your scope of

TRUST YOUR INSTINCTS

SET THE FOUNDATIONS

1. Size, budget, use, quality of materials, time for

completion.

2. The services you will perform and the standard

expected.

3. Services you’re not performing and who will be

performing them.

Contact Webber Insurance today

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• Your deliverables – the specifications you will provide,

number of drawing sheets, number of revisions

to discuss how we can help you

included etc.

manage these risks.

USE ENGAGEMENT AGREEMENT

WWW.WEBBERINSURANCE.EOM.AU/BDAV

Design Unity Matthew Mallet Photography

STEP

THREE

STEP

APPROVAL PROCESS

• Document the client approval process.

• What documents will be provided to the client for

FOUR

CHANGE OR TERMINATION

• Document the termination arrangements.

• Process for ending the engagement.

approval?

• What will happen if the client decides not to proceed?

• When will the client’s approvals be sought and given?

• What will happen if the client wants a substantial

• Give the client options and make them choose.

re-design?

• What happens if the client withdraws approval or

changes instructions?

• When communicating with your client, refer to the

processes set out in your agreement.

ENSURE EVERYTHING IS IN WRITING

BDAV@WEBBERINSURANCE.COM.AU

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1300 668 553

FOLLOW YOUR DOCUMENTED PROCESS

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GETTING A QUOTE IS SIMPLE

How to Get a Quote As BDAV’s preferred Insurance Broker, we deliver tailored insurance packages and provide personalised advice specifically for BDAV members.

Narelle Lockwood Design Photographer: Jonathan Tabensky of JT Photos

Getting a quote is simple using our online quote request process, eliminating the need for any lengthy paperwork. There are two categories developed specifically for BDAV members:

BDAV EXISTING SCHEME MEMBERS QUOTE REQUEST If you currently hold any policies under the BDAV insurance scheme, we can assist you. Click here to arrange a quote.

BDAV MEMBERS NEW QUOTE REQUEST If you currently hold a policy with an insurer outside of the BDAV scheme or would like a new quote, please select this option.

Click here to arrange a quote.

CONTACT US TODAY To arrange a quote for your Professional Indemnity and/or Public Liability insurance, please contact Chris Webber or Daniel Webber.

P:

1300 668 553

E:

bdav@webberinsurance.com.au

W:

www.webberinsurance.com.au/BDAV

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WWW.WEBBERINSURANCE.EOM.AU/BDAV

IT’S YOUR BUSINESS, PROTECT IT!

Insurance Health Check Business insurance is an essential part of running any business and incorporates part of a risk management strategy. If you are operating a business, chances are that you will need more than just property or liability insurance. Taking out the right insurance will help protect your business and minimise its exposure to risk.

If your insurance is due for renewal or you are just wanting to do a general review of your business, it’s worth taking time to do a health check of your insurance to ensure that if the unthinkable happens and your business is hit by a major event, you not only have the right cover but also the right level of cover to keep your business going. Talk to us about our ‘Free Insurance Health Check’ for BDAV Members.

The team at Webber Insurance have always been my ‘go-to’ guys when it comes to Professional Indemnity and Business Insurances. Their industry knowledge and services are second to none.

David Cooke, DCA Design

Webber Insurance not only administers the BDAV Insurance package, but can also assist with a range of other insurance products including:

BUSINESS & OFFICE INSURANCE

COMMERCIAL MOTOR VEHICLE

CONSTRUCTION & CONTRACT WORKS INSURANCE

DOMESTIC INSURANCE

MANAGEMENT LIABILITY Specific BDAV policy offer available

CYBER & PRIVACY INSURANCE

Home, Motor, Travel, Farm

INCOME PROTECTION & LIFE INSURANCE Via our partner business Steadfast Life.

CORPORATE TRAVEL

Specific BDAV policy offer available

BDAV@WEBBERINSURANCE.COM.AU

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1300 668 553

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PROTECTION FOR YOUR BUSINESS

Key Insurances MANAGEMENT LIABILITY Protect the directors and management of your company Management liability insurance is a cover that is usually overlooked by business owners - it shouldn’t be!

It is one of the MOST important insurance covers that should be put in place to protect not just your business, but the directors and key management as well.

Click here to find out more.

IF YOUR BUSINESS IS FOUND LIABLE

MANAGEMENT LIABILITY INSURANCE CAN COVER THE COST OF Claims against a Director Claims made by Employees Fines and Penalties

CYBER INSURANCE Insure your business against hacking or loss of data The internet has changed the world we live in. ‘Cyberspace’ allows people and businesses to communicate, connect and develop in increasingly sophisticated ways.

While the internet has made it faster and easier to communicate, this rapidly expanding technology is not without its risks. Therefore it is essential for both businesses and their customers to be protected by a cyber insurance policy against the cyber liabilities that they face.

Recent legislation changes in Australia now means that it is more important than ever to consider Cyber Insurance. Click here to find out more.

CORPORATE TRAVEL We will help your business get the right corporate travel policy Cover for business owners and staff travelling interstate and overseas.

Corporate Travel Insurance also provides cover for business owners and their families travelling together on personal trips.

CORPORATE TRAVEL INSURANCE CAN COVER THE COST OF Overseas Medical Expenses Lost Baggage and Personal Items Travel Disruption Costs Car Rental Excess Waiver

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HOW TO SUBMIT A CLAIM

Claim Process If the unfortunate does occur, have peace of mind that we are here to assist. Our team of insurance professionals will work with you throughout the entire claims process to get you back on your feet as soon as possible and with minimal hassle.

Please remember, it is important to call us as soon as you are aware of a claim or circumstance.

Design Unity Matthew Mallet Photography

STEP

DO NOT RESPOND TO CLAIMANTS OR ANY ALLEGATIONS AGAINST YOU

STEP

CALL US - 1300 668 553

STEP

CLICK HERE TO COMPLETE THE NOTIFICATION FORM ON OUR WEBSITE

STEP

LEAVE IT WITH US. WE WILL MAINTAIN COMMUNICATION WITH YOU AS YOUR CLAIM PROGRESSES

ONE

TWO

THREE

FOUR

BDAV@WEBBERINSURANCE.COM.AU

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1300 668 553

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G E T

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WEBBER INSURANCE SERVICES PTY LTD A B N 88 46 8 03 6 9 2 9 | C A R 4 1 32 33 AS AUTHORISED REPRESENTATIVE OF WEBBER INSURANCE GROUP A B N 7 0 6 12 3 3 9 8 9 4 | A F S L 4 8 8 4 6 5

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