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Insurance

When the subject of insurance comes up, it is generally not met with a great deal of interest or enthusiasm. However, having adequate insurance coverage of all types is an integral part of keeping your financial security and best interests intact.

The best course of action is to prepare for the worst and hope for the best.

If you are a business owner you need to keep your customers happy, your employees paid, and your liabilities for getting involved with legal disputes low. In addition to all of this, you have to keep a suitable amount of business insurance on hand to cover your business should an unfortunate accident occur.

Appropriate insurance coverage is a vital although many small businesses shy away from it because of the expense and the perception that these only become important when you run into trouble.

As an IT Professional, the two primary areas that will be of concern to you are generally Professional Indemnity Insurance and Public LIability Insurance.

These two areas will protect you from claims by third parties arising out of the provision of your products and professional services, or legal liability for personal injury or property damage caused by you or an employee of your business in providing your services, or by someone providing the services on your behalf.

In addition, there are other areas in which you will need to have advice to ensure that your business and personal assets are adequately protected, from damage by fire, theft of assets, motor vehicles accidents and more.

When it comes to insurance, it is critical that your insurance provider has a specialist knowledge of the IT industries unique needs in general as well as your company’s specific needs. AIIA.biz selected Chubb Insurance as its insurer partnet/expert because of their experience and expertise in providing cost effective risk management and insurance protection tailored to the unique requirements of the IT industry. You can purchase the appropriate insurance from Insurance Advisernet Australia (IAA), a leading insurance and risk management broker. The insurance coverages offered under the AIIA.biz program are heavily discounted for AIIA members.

Depending on your turnover, you can even purchase Chubb liability insurance products online, for a very fast quote and cover.Next, learn about Liability Insurances, or go straight to explore the Discounts Available for AIIA Members.

Next, learn about Professional Indemnity and Product & Public Liability Insurance.

Professional Indemnity & Public Liability (IT Liabilty)Other Commercial Insurances Personal Insurances Benefits & Discounts for AIIA Members

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If you are interested in Insurance for your business

Then you may also be interested in ensuring you have properly drafted business contracts to protect how you do business. For example, AIIA.biz legal Experts offer:

software licences if you are a software supplier,
hardware agreements if you are a hardware supplier,
development agreements if you are a developer, or
hosting agreements if you provide hosting services.

These can all further reduce your risk of exposure, as well as helping improve your revenue recognition and profitability. These can also help you get a greater discount on your liability insurance premiums from AIIA.biz!