Professional indemnity, cyber and public liability cover options for virtual assistants and online business support providers across Australia. Talk to a specialist broker.
Tell us a little about your business and we’ll be in touch to discuss your insurance requirements.
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As a virtual assistant, you often hold the keys to a client’s business: admin access to their email, social accounts, CRM, invoicing and payment platforms. If an account is compromised, a message goes to the wrong list, or a client believes a scheduling or process error on your part caused them financial loss, the exposure can sit with you, not just your client. Sol Insurance Brokers can help you explore cover options that reflect the access and responsibility you actually carry, not a generic freelancer template.
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Is designed to help protect you against claims arising from an error, omission or missed deadline in the services you provide, such as a scheduling mistake or incorrect entry that causes a client financial loss, subject to policy terms.
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Can help cover the costs following a data breach, hacked client account or ransomware event, relevant where you hold admin access to a client’s email, socials, CRM or payment platforms, subject to policy terms.
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Is designed to help protect you against claims for third-party injury or property damage, relevant if you meet clients in person, work from a shared office or attend client premises.
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Can help cover your laptop and other portable work equipment against loss, theft or accidental damage, subject to policy terms.
Depending on your business and circumstances, additional covers may include, but are not limited to, Business Interruption, Personal Accident & Illness, Workers Compensation and Management Liability, where relevant and subject to policy terms, conditions and exclusions.
Accidentally sending a client’s sensitive information to the wrong recipient
A scheduling, data entry or process error that causes a client financial loss
Unauthorised access to a client’s email, social accounts or CRM while you hold admin rights
Breaching confidentiality obligations set out in a client services agreement
Loss of client data following a device failure, ransomware or phishing incident
Injury or property damage if you work from a shared office or attend a client’s premises
Important: The information provided on this page is general in nature and does not take into account your individual circumstances. Insurance cover, terms, conditions and exclusions vary between insurers and policies. Your insurance requirements will depend on your business activities, contracts, assets and individual circumstances. Please refer to the relevant policy wording and documentation for full details of cover. The risks listed above are general examples only, for illustrative purposes, and do not confirm that your individual policy will respond to any particular claim.
Professional indemnity insurance can be relevant for virtual assistants because it may respond to claims that an error, omission or missed deadline in your services caused a client financial loss. Whether it’s needed depends on the services you provide and the contracts you’re engaged under.
Public liability responds to third-party injury or property damage claims, which is a lower risk if you work entirely from home with no client visitors. It can still be relevant if you meet clients in person, work from a co-working space, or attend client premises, and is worth discussing with a broker based on how you actually work.
Professional indemnity is generally about errors in the services you provide; cyber insurance is generally about costs following a data breach, hacked account or similar cyber event. Many virtual assistants hold admin access to client email, social and payment platforms, which is why cyber cover is often considered alongside professional indemnity, subject to the specific policy wording.
Yes, sole traders can generally obtain professional indemnity, cyber and public liability cover. Your business structure is one of several factors an insurer will consider.
Portable equipment cover can generally include your laptop and other work equipment against loss, theft or accidental damage, subject to the policy terms and any conditions on how the equipment is stored or secured.
Tell us a bit about your business and one of our brokers will be in touch.
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