Industries / Consultants, freelancers and trainers
Consultants, freelancers and trainers: the covers businesses usually need
Management, HR and marketing consultants, freelancers and trainers work for clients on their own account, often as sole traders or small companies. Their exposure is the advice and the time spent on a client’s premises.
What can go wrong
The exposures that drive claims in consultants, freelancers and trainers.
Advice the client relied on
A restructure plan, an HR process or a campaign does not deliver what the client expected, and the client says the advice was negligent.
Injury on a client’s site
A trainer runs a session in a client’s building and an attendee is injured, or equipment brought in damages the venue.
Contracts that require cover
Larger clients and government agencies often require professional indemnity and public liability at stated limits before a contract is signed.
No workers compensation for the owner
A sole trader is not covered by workers compensation. An injury or illness can stop income altogether.
NoteMany clients set the limits they require in the contract. Check the contract before choosing a limit.
Covers the lookup lists
What the industry lookup lists for typical businesses in this industry.
These are the results of the Cuttleflow industry lookup (release exp-0.7.0) for the businesses below, before any questions are answered. Answers about staff, vehicles, premises, contracts and the state change the list. Covers the lookup lists only as “consider” are left out here. Every class on the Commons wordings is available on Cuttleflow Go; “On Cuttleflow Go” links to the class. A Marketplace class is also placed by brokers through the Cuttleflow Marketplace.
- Management consultants · APRA BMANAG Management Consultancy
- HR consultants · APRA BHRCON Human Resource Consulting
- Marketing consultants · APRA BMOCON Marketing Consultancy
- Trainers · ANZSIC 8219 Adult, Community and Other Education n.e.c.
| Cover | Lookup tier | Where it is written | Listed for | Why it is listed |
|---|---|---|---|---|
| Workers compensation | Must have Compulsory where it applies | Statutory scheme (depends on state) | All of these businesses | Employers must hold workers compensation cover in every state and territory, apart from limited wage-based exemptions. Depends on: how many employees does the business have, not counting owners. |
| General liability | Recommended | On Cuttleflow Go | All of these businesses | Almost every business deals with customers, visitors or other people's property, so it can be held liable for injury or damage. |
| Professional indemnity | Recommended | On Cuttleflow Go | All of these businesses | This occupation gives advice or a professional service that clients rely on, so an error can cause them financial loss. |
| Business package | Recommended | On Cuttleflow Go · Marketplace class | All of these businesses | The business has premises, stock or equipment that fire, storm, theft or water damage could destroy, and it would lose income while it rebuilds. Depends on: does the business have premises, stock or equipment at a fixed site. |
| Commercial motor | Recommended | On Cuttleflow Go · Marketplace class | All of these businesses | The business owns or leases fewer than ten vehicles used for work. Depends on: how many vehicles does the business own or lease for work; does the business own or lease vehicles used for work. |
| Motor fleet | Recommended | On Cuttleflow Go · Marketplace class | All of these businesses | Ten or more vehicles can be insured as a fleet, priced partly on the fleet's own claims record. Depends on: how many vehicles does the business own or lease for work. |
| Management liability | Recommended | On Cuttleflow Go · Marketplace class | All of these businesses | Companies and associations have directors or committee members who can be personally liable, and every employer can face employment claims. Depends on: what type of entity is the business. |
| Cyber | Recommended | On Cuttleflow Go · Marketplace class | Management consultants, HR consultants, Marketing consultants | Professional firms hold client files and are frequent targets of email fraud. |
Classes on the Commons wordings
Classes for this industry on Cuttleflow Go.
Brokers
Win clients in consultants, freelancers and trainers
Put the industry lookup and an indicative price on your own channels, and take leads from the public marketplace when it opens. Place every risk once, with every market in the class, on the same wording.
Underwriting agencies
Write this business on Cuttleflow Go
Your own rates and rules on the Commons wordings, quoted to your brokers from day one and to Marketplace brokers when the class opens.
General information. This page is not advice about any business and does not recommend any insurer or product. The lookup’s rules are a first draft and have not yet been reviewed by an underwriter or a lawyer. Check each cover against the circumstances and the policy wording, and check compulsory insurance with the regulator in the relevant state. Industry classes: Australian Bureau of Statistics, ANZSIC 2006 (cat. no. 1292.0), © Commonwealth of Australia. Professional occupations: APRA National Claims and Policies Database.
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