Professional Indemnity Insurance is designed for any professional who provides advice or service to clients.
This protects you if someone alleges that you've made a mistake, overlooked a critical piece of information, misstated a fact or they have misinterpreted you in the course of your work, resulting in a financial loss.
Whether or not the allegation is true, Professional Indemnity seeks to protect your assets and reputation. We’ll pay for your legal defence, as well as any judgements or settlements that you owe to the suing party, up to policy limits.
What exactly is Public and Products Liability Insurance?
Public and Products Liability Insurance protects you and your business against the financial risk of being found liable to a third party for death or injury, loss or damage to property.
We’ll cover applicable legal costs and compensation claims up to policy limits — so you can defend yourself. Additionally, if you sell, supply, deliver, or even repair goods, you should have cover for claims against you where the goods could cause injury, death or damage.
Products Liability insurance gives you cover if any of these events happen to another business or person by the failure of your product or the product you’re selling.
What exactly is Accident and Sickness Insurance?
As a solo business owner, you don’t exactly get sick leave. If you’re unable to work for an extended period due to an injury or illness, accident and sickness insurance will help you support yourself and anyone who depends on you.
What exactly is Cyber Insurance?
Cyber Insurance protects your business in the case of a cyber security breach. Our policies can cover financial losses suffered by your business up to policy limits as a result of a breach, costs involved in incident response, third-party liability, and more.
Why are your rates so low?
Traditional insurers typically bundle solo business owners into a single plan for anyone who falls under a $500k threshold. This means if you only make $50k a year as a freelancer, you’ll be paying the same amount as a business owner who makes $500k.
At Sami, we separate our plans according to different business activities and earning thresholds. This makes us the most affordable insurer in Australia for side-giggers, freelancers, and microbusinesses.
How do I file a claim?
It’s easy to file a claim with Sami. Just ….
How can I check on the status of my claim?
You can see how your claim is going at any time on the Dashboard.
Who is Sami backed by?
We’re a corporate authorised representative of FD Beck, an award-winning broker. We’ve also got security from Keystone Underwriting, a Coverholder at Lloyd’s.
Lloyd’s has provided financial security to millions across the globe for more than 300 years and based on their 2020 assessment, enjoys an A+ rating from Standard & Poor’s, AA- from Fitch, and A from A.M. Best. These are some of the highest ratings available.
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