Great flexible cover
You can choose the insurance you want and don’t pay for insurance you don’t need.
Get covered with RACV Professional Indemnity Insurance
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Are you a graphic designer, bookkeeper, accountant or other professional service provider? RACV Professional Indemnity Insurance offers you the flexibility to choose from four cover limits of professional indemnity insurance and three cover limits of broadform public and products liability.
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Professional indemnity claims
Protection for your business against third party claims for financial loss, personal injury or property damage arising from certain acts, errors or omissions in the performance of your professional business.
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Broadform public and products liability
Protect your business against certain third party claims for property damage or personal injury as a result of your work.
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Public relations costs
Up to $50,000 per publicity campaign, with an aggregate limit of up to $100,000, can be covered. This would include the cost of approved public relations consultants to help mitigate reputation damage, following a claim against your business.
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Civil liabilities
Covers you against third party claims of breach of duty, defamation, loss of or damage to documents, infringement of intellectual property and more.
Terms, conditions, limits and exclusions apply. Some occupations are excluded from broadform liability cover. Read the Product Disclosure Statement for a detailed list of inclusions and options.
RACV Business Insurance Product Disclosure Statements
RACV Business Insurance Product Disclosure Statement and Policy Booklet for new business policies with a start date on or after 8 October 2021, or with a renewal effective date on or after 13 November 2021.
RACV Business Insurance Product Disclosure Statement and Policy Booklet for new business policies with a start date or renewal effective date on or after 30 May 2021 and a start date before 8 October 2021 and renewal date before 13 November.
RACV Business Insurance Supplementary Product Disclosure Statement (Supplementary PDS) Edition 1 will apply to policies with a start date or renewal effective date on or after 30 May 2021.
RACV Business Insurance Product Disclosure Statement and Policy Booklet for new business policies with a start date or renewal effective date on or after 6 September 2020 and new business policies with a start date or renewal effective date before 30 May 2021.
RACV Business Insurance Supplementary Product Disclosure Statement (Supplementary PDS) Edition 03/21 will apply to policies with a start date or renewal effective date on or after 31 March 2021 and new business policies with a start date or renewal effective date before 30 May 2021.
RACV EasyBiz Insurance Retail, Professional, Hospitality Product Disclosure Statements
RACV EasyBiz Insurance Retail, Professional, Hospitality Product Disclosure Statement and Policy Booklet for renewal policies with a start date on or after 30 June 2019.
RACV Easybiz Insurance Retail, Professional, Hospitality Supplementary Product Disclosure Statement (Supplementary PDS) Edition 10/20 will apply to policies with a commencement date or with renewal effective date on or after 17 October 2020.
RACV EasyBiz Insurance Tradesperson Product Disclosure Statements
RACV EasyBiz Insurance Tradesperson Product Disclosure Statement and Policy Booklet for renewal policies with a start date on or after 1 December 2018.
RACV Easybiz Insurance Tradesperson supplementary Product Disclosure Statement (Supplementary PDS) Edition 11/18 will apply to policies with a commencement date or with renewal effective date on or after 1 December 2018. This Supplementary PDS replaces previous versions 1.1, 1.2, 1.3, 1.4 & 1.5 & 1.6.
RACV EasyBiz@home Business Insurance Product Disclosure Statements
RACV EasyBiz@home Business Insurance Product Disclosure Statement and Policy Booklet for renewal policies with a start date on or after 1 December 2018.
RACV EasyBiz@home Business Insurance supplementary Product Disclosure Statement (Supplementary PDS) Edition 11/18 will apply to policies with a commencement date or with renewal effective date on or after 1 December 2018. This Supplementary PDS replaces previous versions 1.1, 1.2, 1.3 & 1.4 & 1.5.
RACV Professional Indemnity policy
RACV Professional Indemnity Insurance Policy for new business policies with a start date or renewal effective date on or after 30 May 2021.
RACV Professional Indemnity Insurance Policy for new business policies with a start date or renewal effective date after 30 June 2019 and new business policies with a start date or renewal effective date before 30 May 2021.
RACV Information Communication and Technology Liability Insurance
RACV Information and Communication Technology Liability Insurance Policy for new business policies with a start date or renewal effective date on or after 30 May 2021.
RACV Information and Communication Technology Liability Insurance Policy for new business policies with a start date or renewal effective date after 30 June 2019 and new business policies with a start date or renewal effective date before 30 May 2021.
RACV Motor Trade Product Disclosure Statements and No Claim Bonus Information
RACV Motor Trade Insurance Product Disclosure Statement and Policy Booklet for new business policies with a start date on or after 8 October 2021, or with a renewal effective date on or after 13 November 2021.
RACV Motor Trade Insurance Product Disclosure Statement and Policy Booklet for new business policies with a start date or renewal policies with a renewal date on or after 9 April 2021 and a start date before 8 October 2021 and renewal date before 13 November.
RACV Motor Trade Insurance Supplementary Product Disclosure Statement (SPDS) Edition 1.2 will apply for new business policies with a start date or renewal policies with a renewal date on or after 30 May 2021
RACV Motor Trade Insurance Product Disclosure Statement and Policy Booklet for new business policies with a start date or renewal policies with a renewal date on or after 1 November 2018 and before 9 April 2021.
Policy on developing and distributing retail insurance products
The issuer of RACV Commercial Insurance products, Insurance Australia Limited, aims to develop, and we aim to distribute, retail insurance that meets our customers’ likely needs, objectives and financial situations.
RACV Business Insurance Target Market Determination
A TMD helps you understand the types of people (called the ‘class of customers’) our insurance policies are designed for, considering their needs, objectives, and financial situations.
RACV Motor Trade Target Market Determination
A TMD helps you understand the types of people (called the ‘class of customers’) our insurance policies are designed for, considering their needs, objectives, and financial situations.
Related Links
Professional Indemnity ICT Indemnity Farm Insurance Public Liability Insurance Tradies Business Insurance Domestic Services and Repair Businesses insurance Professionals Business Insurance Hospitality Business Insurance Retail Business Insurance Commercial Property Insurance Home Business InsuranceThe information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. As distributor, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Insurance product(s) issued by Insurance Australia Ltd, ABN 11 000 016 722, AFS Licence No. 227681.