Key points the “aggregate limit” and “retroactive date” on a professional indemnity insurance policy are integral to understanding the limits on policy cover. unlike most other forms of insurance, professional indemnity insurance operates on a “claims made” basis. this makes it important to notify potential professional indemnity insurance claims promptly, and to renew insurance in […]

Key points Your professional indemnity (PI) insurance policy already protects clients in case of negligence, so there’s no need for them to be named on the policy. Adding clients as insured parties on your PI insurance policy creates a conflict, as it would cover both the alleged negligent party (you) and the claimant. Clients should […]

For the last 10 years, informed by Planned Cover’s webinar program has been keeping you up to date on the current issues affecting the construction industry, and in turn, assisting you to meet your professional CPD obligations. In 2026, we’re continuing to provide our specialised services by offering a program of 9 webinars (8 hour-long webinars and […]

Key points This year, the team at informed by Planned Cover continued to offer a variety of webinars, seminars, Practice Guides, CPD education, and other resources to help clients address risk and stay up to date with latest developments in the construction industry. 2025 highlighted the increasing need for informed, practical and legally grounded risk […]

Key points A professional indemnity insurance policy will only cover the legal entity specified in the policy schedule (i.e., a sole trader or a company). It is essential to advise your insurer of all entities you use to perform your professional services. Policy wording varies amongst insurers so it is essential to ready your policy […]

Key points Employees can be personally sued for negligence, but the principle of vicarious liability usually means the employer is the primary target of legal claims. Professional indemnity insurance often cover employees, but it’s important to follow best practices (e.g., clear agreements, accurate record-keeping) to minimize personal liability. Design compliance declarations and similar certifications may […]

Key points Remedial building work for Class 3 and Class 9(c) is being brought under the Design and Building Practitioners Act 2020 (NSW) (Class 2 remedial building work has been under the Act since 2021). This will require registered design practitioners to submit a Construction Issue Regulated Design which meets detailed new requirements, such as […]

Key points Practices using generative AI which is capable of producing new work based on acquired learning are likely to bear the risk of errors in the AI’s work, just as they would for the work of an employee. Professional indemnity insurance does not typically exclude cover for claims arising out of work performed by […]

Key points We have made substantial amendments to some of our Practice Guides. Our “Fast Track Projects” Practice Guide has been rewritten as “Time, Program and Delays”. Our “Limitation of liability Clauses” Practice Guide has a substantial new section with example clauses and some notes about carve-outs. Following on from our February round of updates, […]

Key points Professionals are typically judged by the standards of a reasonably competent practitioner of the relevant discipline. The standard of “peer professional opinion” cannot be relied upon as the standard if the court determines that the opinion is unreasonable. Standard of care is a crucial component of a negligence claim, along with duty of […]