Planned Cover has almost 40 years experience in managing risks for construction professionals.  At Planned Cover, we assist our clients to understand and manage their professional risks through more than just an insurance policy. Our main objective is to provide all professionals with access to a comprehensive package of tailored services including:

  • Insurance placement – professional indemnity, directors and officers, employment practices, statutory liability and general insurance & personal insurance products
  • Risk management presentations, newsletters and practice notes
  • Claims management/assistance
We are here for the long term. We’ve been placing insurance for construction professionals since the 1970s, through good times and bad. We develop and price our products so that they, and we, are sustainable. That’s why we’re still here – and why we have forty years of industry specific expertise to offer your business.
We are wholly owned by the Australian Institute of Architects. We are one of only two brokers on Consult Australia’s ‘PI Pathway’ panel, and we are endorsed by Australian Institute of Quantity Surveyors, Building Designers Association of Australia, Building Designers Association of Queensland, Built Environment Design Institute, and Planning Institute of Australia (all through our ‘Planned Cover’ trading division). We include construction specialists on our Board, not just insurance representatives. We have offices in Melbourne, Brisbane, Sydney, Adelaide and Perth, to connect with local practices. We do not report to overseas interests. Our risk management seminars earn CPD points pursuant to the Institute of Architects’ Refuel program.
We don’t just sell insurance. We commit to working for the benefit of the construction professionals by:
  • Making our own submissions to government on key risk issues for construction professionals i.e. proportionate liability law, workplace health and safety law and changes to the state Architects Acts.
  • Working directly with a number of the Associate Practice Committees and Large Practices Forums.
  • Presenting at various Universities around Australia.
  • Advising on the drafting of agreements like Australian Standard 4122-2010 and the Institute of Architects Client and Architect Agreement-2009.

Our policy is specifically written for construction professionals, and is not a generic Professional Indemnity wording. It has been tried and tested over many years. It responds to your emerging needs. We review and upgrade the policy to accommodate developing construction-specific issues like joint ventures, collateral warranties and novation.
Insurance for construction professionals has always been our core business. We have a trusted nationwide network of experienced staff whom have excellent relationships with underwriters, insurers and re-insurers in both the local and London markets, allowing us to promptly source quality products for your business. At Planned Cover, we operate as both a general insurance broker and an underwriting agency through Planned Professional Risks Underwriting Agency and Architects Professional Risks Underwriting Agency. We only transact business with reputable insurers, re-insurers and underwriting agencies which offer quality products and demonstrate a responsive underwriting approach and claims handling service. Our staff are able to assist you with all various insurance requirements.
Our expertise is recognised by our proud associations with the following industry bodies:
  • Consult Australia
  • Planning Institute of Australia
  • Australian Institute of Architects (AIA)
  • Australian Institute of Quantity Surveyors (AIQS)
  • Built Environment Design Institute (BEDI)