Who normally pays for indemnity insurance?

Who normally pays for indemnity insurance in Australia, normally self-employed professional or business pays for own professional indemnity $500 to $2,000 per year for $1M to $2M cover, employer pays for employees $2M to $5M cover $2,000 to $10,000 per year for firm, and contractor pays own $500 to $2,000. For example, consultant, accountant, real estate agent, architect and doctor self-employed pay own PI $500 to $2,000 per year for $1M to $2M cover via BizCover, AIG, Allianz, QBE. If you are employee of firm like law firm, accounting firm, real estate agency, employer pays for firm PI $2M to $5M costing $2,000 to $10,000 per year covering all employees, so you do not pay personally at work, but you need own PI for side business or freelance. For building and construction, builder pays for professional indemnity $2M to $5M $2,000 to $5,000 per year, and contract may require subcontractor to have own PI $1M $500 per year. For medical, doctor in private practice pays own $10,000 to $20,000 per year for $20M cover, hospital doctor covered by hospital insurance. So normally self-employed professional pays own indemnity insurance $500 to $2,000 per year for $1M to $2M cover, employer pays for employees firm cover $2M to $5M $2,000 to $10,000 per year, and contractor pays own, with cost tax deductible for business as business expense saving 30% tax $150 to $600 per year.