Are you actually covered? Daniel Webber on the insurance gap and the package built to close it

Almost every integrator carries insurance. Far fewer are actually covered for the work they do. Insurance runs on occupation classifications, and the integration industry has never fit neatly into one. Call yourself an electrician, an IT contractor or an AV installer and you have described a fraction of the job, which is exactly the fraction an insurer will hold you to when a claim lands. Daniel Webber co-directs [Webber Insurance](webberinsurance.com.au), a general brokerage that deliberately niches into construction and technology. Over a series of conversations with Master Integrator, he helped build what Webber believes is the first insurance package written specifically for Australian integrators, general liability, professional indemnity and cyber in one place, with the insurer involved from the ground up rather than a generic policy relabelled after the fact. This conversation is the honest version of a subject most integrators avoid. Why the cover you hold may not describe your business, the gap that opens between a public liability policy and a professional indemnity policy, the claim general liability will never pay, why cyber is the threat that can shut you overnight, and how to find out whether you are protected before you need to be. It is a launch, and neither Daniel nor Paul pretends it is finished. It is a starting point for an industry to finally be insured for what it actually does. In this episode: • Why insurance has never fit the integration industry, and the problem of occupation classifications • Where an integrator's risk actually sits, spread across general liability, professional indemnity and cyber • The gap that opens when you stack a public liability policy and a PI policy that each exclude the other's territory • General advice, personal advice and no advice, and why the way you buy insurance decides who carries the risk • Why the aggregator sites that hand you ten quotes are not doing the job you think they are • What professional indemnity actually protects, and why an industry built on design services cannot go without it • Three ways to find out whether you are covered, including where AI helps and where it does not • Why cyber is the threat that can shut a business overnight, and the first party cover the other policies do not give you • Inside the new package, general liability, professional indemnity and cyber, built from a technology base with room to ramp cover up or down • How to get a quote, and the one thing that will make or break the scheme Sponsors [ADI](adiglobal.com) is one of Australia's largest distributors of security, audio visual, smart home and low voltage products. Its branch network, online ordering and technical support give integrators access to the brands and stock that keep jobs moving. This episode of Master Integrator is brought to you by Sonance, available through Amber Technology. This September, Sonance is turning up the value on outdoor audio. Buy a Garden Series 8.1 System and Amp and receive a FREE 10-inch In-Ground Subwoofer, valued at $2,775. That’s more bass, more impact, and an even better outdoor listening experience for your customers. Don’t miss this limited-time offer. Click this link. [Somfy](somfy.com.au) is a global manufacturer of motorisation and automation solutions for blinds, curtains, awnings, shutters and screens. With more than thirty years in Australia and New Zealand, Somfy supports integrators across residential and commercial projects with motors, controls and the TaHoma smart home hub. [Kolosseum](kolosseum.io) provides design and documentation services built specifically for integrators. From system design through to as-built documentation, the team works as an extension of your business so the paperwork stops being the thing that holds a job up. [Connected Magazine](connectedmag.com.au) is Australia's trade publication for the custom installation and smart home industry. It covers the products, projects and people shaping residential and commercial integration across the country.