Professional Indemnity Insurance

Protect your business, your finances and your reputation with Professional Indemnity Insurance

Get a quote Call 132 818

Professional Indemnity Insurance

Get a quote Call 132 818
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What is Professional Indemnity Insurance?

Professional Indemnity Insurance can protect you from some unique risks your business faces when giving advice or providing a service.

If it’s found you made a mistake that caused injury, damage or financial loss to your client, you could face legal fees and damages. Professional Indemnity Insurance is designed to cover these costs and stop them putting pressure on your business’s cash flow.

This protection is designed for businesses that give advice or provide a service. There are two types of cover, one for professionals and consultants (like accountants, graphic designers or fitness instructors) and one for IT and communications (like IT business analysts, IT hardware engineers or IT project managers).

What's included

See how we protect your business

Breach of duty

For example, if you build an online checkout for a client’s website and it’s not secure.

For example, if you build an online checkout for a client’s website and it’s not secure.

Breach of privacy or confidentiality

Like if you accidentally reveal a client’s personal information.

Like if you accidentally reveal a client’s personal information.

Intellectual property infringement

For example, if you accidentally breach copyright in designs you give to a client.

For example, if you accidentally breach copyright in designs you give to a client.

Defamation

For example, if someone claims that your TV ad damaged their reputation.

For example, if someone claims that your TV ad damaged their reputation.

Lost or damaged documents

Like if you lost your client’s financial documents after they’d given them to you to look after.

Like if you lost your client’s financial documents after they’d given them to you to look after.

Reputation repair

We cover the cost of a PR consultant to help repair your reputation after a claim against you1.

We cover the cost of a PR consultant to help repair your reputation after a claim against you1.

Claims investigation costs

We cover the legal costs and expenses of investigating, defending and settling claims made against you (up to the amount of cover you have).

We cover the legal costs and expenses of investigating, defending and settling claims made against you (up to the amount of cover you have).

See more

Optional extras

Add these when you get your Professional Indemnity Insurance quote

Public Liability Insurance

Add protection for you and your business against claims of negligence, like if a customer slips on a spill and injures themselves in your shop.

Add protection for you and your business against claims of negligence, like if a customer slips on a spill and injures themselves in your shop.

Not included

There are some things we don't cover

Existing circumstances

We don’t cover claims or circumstances you know about before your policy starts.

We don’t cover claims or circumstances you know about before your policy starts.

Intentional damage

We don’t cover intentional damage you cause to a third party.

We don’t cover intentional damage you cause to a third party.

Contractual obligations

We don’t cover costs or expenses caused by you complying with contractual obligations you’ve chosen to enter into with a client.

We don’t cover costs or expenses caused by you complying with contractual obligations you’ve chosen to enter into with a client.

Bankruptcy

We don’t cover claims made against you because your business went bankrupt or becomes insolvent.

We don’t cover claims made against you because your business went bankrupt or becomes insolvent.

Policy booklets

For full details including limits, conditions and exclusions, read these policy documents

Professional Indemnity Insurance Policy Information and Communication Technology Liability Insurance Policy Public Liability Product Disclosure Statement

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Have a question? We can help

Professional Indemnity Insurance can protect you and your business’s finances if you give advice or provide a service.

For example, if you’re a freelance personal trainer who gives their clients advice about exercise and diet, or a real estate agent who’s selling a house on behalf of their client.

You can choose to cover your business for up to $1 million, $5 million, $10 million or $20 million.

Choose your level of cover when you get a quote.

The cost depends on many things including the size of your business and the amount of cover you choose.

The quickest way to find out how much it costs is to get a quote.

This can be confusing because they’re both designed to protect you if someone claims your business caused injury or damage to them.

The main difference is that only Professional Indemnity covers claims made against you because of the professional advice or services you provide to your clients.

Learn more about Public Liability Insurance

If you decide you need both Professional Indemnity Insurance and Public Liability Insurance, you can get them both at once when you get a quote.

Things you should know

  1. We cover reasonable and necessary fees, costs and expenses of the PR consultants retained by you if we agree in writing beforehand. The limits for these are in the policy booklets.

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If you need help, you can talk to us. Call 132 818 (8am–8pm, Mon–Fri)

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