Key Insurance Products for ACA Members
Select a product below to learn more or request a quote:
This Combined Professional Indemnity and General Liability policy is available to eligible ACA member practices with annual turnover of $1 million or less and forms the core of the ACA insurance initiative.
The policy brings two essential covers into a single, coordinated structure designed specifically for practices with comparable risk profiles.
- Professional Indemnity Insurance responds to claims alleging professional negligence, errors or omissions in the provision of architectural services.
- Public Liability Insurance responds to third‑party personal injury or property damage arising from business activities.
Key features of the ACA Combined PI & GL policy
Combined Professional Indemnity and General Liability cover under one policy structure
Clear eligibility criteria aligned to practice size and risk profile
Defined underwriting framework to support pricing stability over time
Consistent policy terms for eligible ACA member practices
Designed to reduce cross‑subsidisation between lower‑risk and higher‑risk practices
This structure allows insurers to assess risk more accurately and helps support competitive, sustainable pricing for participating members.
Request a quotePractices with turnover above $1 million are supported through individually brokered Combined PI and General Liability policies.
Coverforce works closely with your practice to assess: - the nature of professional services provided - project types, contracts and delivery models - turnover, staffing and operational complexity
This allows cover to be structured around the specific risk profile of your practice rather than broad profession‑wide assumptions.
Request a quoteCyber Insurance is designed protect your business against cyber incidents, data breaches, system disruption, and regulatory obligations. At Coverforce, we work with trusted insurer CFC to deliver broad, market-leading protection, while helping you understand and reduce your cyber exposure.
A typical broad cyber policy can provide coverage for:
- Data Breaches & Privacy Risks: Protection for breaches involving confidential or personal information, with support for notification requirements and regulatory obligations.
- Cyber Attacks & System Access: Covers ransomware, hacking, cyber extortion, and unauthorised access to systems such as email, cloud storage, and business platforms.
- Business Interruption & System Failure: Covers loss of income from cyber events or outages, including missed revenue opportunities, system downtime, and recovery of data.
- Incident Response & Recovery: Covers costs to restore systems, recover data, and access specialist incident response support.
- Regulatory, Legal & Notification Costs: Includes privacy investigations, legal costs, client notifications, credit monitoring, and PR support following a breach.
- Fraud & Emerging Risks: Protection for cybercrime such as invoice manipulation and theft of funds, plus cover for emerging risks including AI-related exposures and cyber extortion.
- Enhanced Policy Features (CFC): Includes features such as proactive cyber prevention tools, interim business interruption payments, and options for reduced out-of-pocket costs across multiple incidents.
Management Liability Insurance protects directors, partners and senior staff from claims arising out of the management and operation of the practice. This may include claims relating to employment practices, governance decisions and statutory obligations.
A Management Liability Insurance policy typically provides cover for:
- Claims against directors or officers for mismanagement, negligence, or decision-making errors
- Employment disputes including unfair dismissal, discrimination, harassment, or wrongful termination
- Statutory and regulatory investigations, e.g., breaches of workplace, privacy, or corporate laws
- Employee dishonesty or internal fraud, such as theft or unauthorised transactions
- Taxation and official investigations, including ATO audits or government inquiries
- Defence costs for management claims, covering legal representation for directors, officers, or the company
- Corporate cover for claims arising from management decisions
Office Insurance protects the physical assets and day‑to‑day operations of your practice, including office contents, equipment and business interruption risks.
An Office Insurance policy typically provides cover for:
- Accidental loss or damage to property
- Theft, money, and employee dishonesty
- Glass, signs, and general property (including items away from the office)
- Business interruption
- Machinery, computer, and electronic equipment breakdown
- Public liability
- Tax investigation
- Key and lock replacement on rental properties where keys are lost/stolen
- Open house property damage and theft
Free Insurance Audit
Coverforce offers ACA members a complimentary, holistic review of your insurance program. Our experienced brokers assess your full insurance program, highlight potential gaps or redundancies, identify opportunities to improve coverage or pricing, and evaluate the suitability of the ACA insurance initiative for your practice.
Request an Audit
