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Trusted insurance for professionals and businesses.
Policies made for industry, by industry.
Award Winning Insurance
Professional indemnity insurance and business insurance for Australian professional
Working with over 40 associations
Insuring Australians for over 60 years
100% Australian owned
Hear from our customers
Don't take our word for it, hear from some of these people that have experienced our service first-hand.
11/2023
Always helpful and have never had any issues with claims. We have dealt with them for a long time and they understand our business.
01/01/24
As a practitioner and building owner I have used Guild Insurance and have been satisfied with all claims made from lodgement through to completion of remedial work and finalisation of the claim.
19/11/23
Process was simple, smooth and easy! As a new provider, it was so helpful having an experienced person on the other side of the phone, discussing my insurance needs with me.
We provide industry-leading specialist insurance
Our insurance policies are designed to support you. We have a range of covers to comprehensively protect your livelihood and your reputation.
Professional indemnity
Protects you for what you do in your profession.
Business insurance
Protects all aspects of your business – property, people and the interruptions.
Professional indemnity insurance covers you for your civil liability when a claim arises from a breach of your professional duty. For many professional policies at Guild Insurance combine professional indemnity, public liability, and product liability to cover more of your professional duties. Business insurance, on the other hand, is a broader category that encompasses various types of coverage designed to protect businesses from a wide range of risks. This can include property damage, theft, and liability claims from third parties.
For professionals providing advice or services:
- Assess your service risk: Evaluate the potential risks associated with your professional advice or services. Consider the possibility and implications of your advice or actions leading to a client's physical, psychological, or financial detriment. Reflect on the likelihood and consequences of a situation where an error or omission on your part could lead to legal action.
- Understand legal requirements: Familiarise yourself with the legal and regulatory landscape relevant to your profession. Is holding professional indemnity insurance a legal requirement or an industry standard in your field?
For certain contract positions and many allied health professionals regulated under Ahpra require professional indemnity and/or public liability insurance. - Consider your financial exposure: If faced with a legal claim, could you afford the legal defence and potential damages out of pocket?
For business owners protecting their operations:
- Identify your business assets: Determine which physical assets are crucial to your business operations, such as property, equipment, and inventory. Consider the consequences if these assets were damaged, stolen or lost.
- Evaluate liability risks: How likely is it that someone could be injured or their property damaged because of your business activities? This includes both public liability and product liability.
- Consider business interruptions: Think about the resilience of your business in the face of unforeseen events that might force temporary closure. How would such interruptions impact your financial stability?
If you are unsure of the cover you require, please contact us on 1800 810 213 to speak to an insurance specialist.
We can also cover your
Home & contents
Workers compensation
Pet insurance
Why choose Guild Insurance?
Specialist policies for your Profession
Tailored insurance solutions for diverse professions
Claims made easy
Streamlined claim processes for quick resolution
Expert legal advice with Meridian Lawyers
Professional legal support from trusted Meridian Lawyers
Our policies are made for your industry, endorsed by industry pros and updated regularly.
See how we can help you in your industry.
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Claims made easy
It's why you're insured after all, so we've made the claims process quick and easy for you.
Lodge claim online or over the phone
Claim anytime anywhere
Get your unique claim number
Track your claim
A claims specialist will be in touch
We'll be in touch within 48 hours
Learn how to avoid claims at RiskHQ
Looking after artificial turf
Artificial turf or grass is, understandably, commonly used in early learning services. This turf can look lush and green all year round without watering or cutting. However, it isn’t necessarily the perfect and simple outdoor solution some of us may think or wish it was. Unfortunately, Guild Insurance sees numerous cases of poorly laid and/or maintained turf which can become damaged over time. This damage can include raised and uneven surfaces, curled edges and rips and tears. Not only does this look unsightly, but it can also create an unsafe surface which could lead to trips and falls and therefore injuries.
Installation
Incorrectly installed turf is likely to lead to issues and complications down the track. This can lead to insurance implications as your policy will not cover you for damage resulting from defective design or faulty workmanship. So, start off on the right foot by having turf installed by a reputable installer who’ll provide a certificate of compliance that supports the Australian Standards with respect to turf preparation and installation.
Be sure the manufacturer’s guidelines are followed when installing turf. Also, make yourself familiar with the specifics of the warranty provided and retain all documentation and/or information, including receipts, for the installation.
Drainage
Ensure that your turf installation includes appropriate drainage, installed by a suitably qualified plumber. And be sure existing drains aren’t covered or impeded by the turf and that the directional flow is appropriate for the lay of the land.
Turf without drainage leads to future problems and causes the “fill” under the turf, (also often known as substrate or base), to shift and leach out causing the substrate to wash away. This can happen quickly during periods of heavy rain and/or storms, and it can also happen gradually over time due to prolonged exposure to the elements. If the substrate/base material was incorrectly prepared to receive the turf and provide drainage for rain and or storm water run-off, this may cause damage to the turf and nearby buildings. This damage may not be covered by insurance due to faulty design or workmanship.
Maintenance
Artificial turf can seem like an easy option over real turf due to less maintenance. However, maintenance is still required, and the installer’s or manufacturer’s maintenance instructions must be followed to prolong the life of the turf and protect your investment.
Regular checking for wear and tear, or other types of damage, is essential. As is the continual removal of any debris which could impact drainage. It’s also worth occasionally having the turf inspected by professionals who’ll know what damage and drainage issues to look for.
If damage to artificial turf is identified, it’s important to act on this as soon as possible. Putting it off will likely lead to further damage, making repairs more costly.
Again, keep records of all maintenance carried out, with details including what was done, when and by who.
Making a claim
Artificial turf doesn’t last forever, and damage over time may be normal “wear and tear” that’s not covered by your insurance; but other causes of damage, such as fire or storm, may be.
If you hold a Guild Early Learning Business Insurance policy, and you think you may have a valid claim for damage to your artificial turf, or you’re just not sure, contact us first and hold off authorising any repairs until we have approved your claim.
- Childcare
- Early Learning
- Business
- Business
FAQs
The law governs that any professional exercise the required skill to an appropriate level expected by that profession. A professional may be liable for financial loss, injury or damage arising from an act, error or omission of fault if the professional has not acted to the required level of skill deemed in that profession. Failure through this may result in the claimant (person who suffered the loss) be awarded for that loss, damage or injury.
Many professions require you to hold a professional indemnity insurance policy by law, such as Ahpra registered professions, but can be for other industries such as financial institutions also. Please check with your registration body or associations of your profession to know if it is required by law to have professional indemnity insurance. It is often also required by companies who take on contract workers that are not governed under the companies own insurance policy. It is acceptable for a company to ask you as the professional contractor to provide evidence of cover for professional indemnity before starting the contract period.
As stated above professional indemnity insurance covers you for breaches in relation to your professional duty. Liability insurance covers you for activity that results in personal injury or property damage as a result of your business activities that do not relate to your specific profession. An example may be someone who trips and is injured from spilled water within your office may be covered under liability, because it is your duty of care as business person to provide a safe environment. Whereas a person who suffers a loss or injury because of your professional treatment in relation to your job has caused it would usually be consider as an indemnity breach.
Generally business insurance is to cover the physical assets of your business for material damage loss and options for theft cover. It can also include cover for financial loss due to business interruption. Usually basic insurance does not cover breach of duty or flood cover, but if you speak to an insurance specialist it can often be added to your policy for a nominal fee.
Depending on the policy you are taking out, covers will often vary. At Guild insurance we specialise in making a policy to suit your business so that you are not over paying for covers you wouldn't normally need. The best thing to do is call 1800 810 213 to speak to an insurance specialist, they can find out what activities and structure your business is in to then provide you with adequate cover for you.
A certificate of currency (or COC for short) is a written document that confirms that your insurance policy is current and valid at a specific date and time. At Guild we provide easy access to your COC at any time within a few clicks of our online portal PolicyHub. If you are a new customer we can provide you with one post purchase.
Meridian Lawyers services available to you
The Meridian team provide tailored legal services to Guild Insurance customers.
They're experts in advising and assisting Guild's insured customers with their corporate and commercial, employment, dispute resolution and property needs.
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