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Professional Indemnity

$2 million (Aggregate – $6 million)
$5 million (Aggregate – $15 million)
10 million (Aggregate – $30 million)
Excess Nil on all claims

Public & Products Liability & Advertising Injury

$10 million
$20 million
Excess Nil on all claims

Automatic Sub-limits of Cover

$1 million Property in Care, Custody & Control
$1 million Driving Risk Extension
$500,000 Disciplinary Proceedings & Inquiry Costs
$250,000 Fines & Penalties
$250,000 Fidelity Guarantee
$100,000 Claims Mitigation Costs
$100,000 Public Relations Expenses
ASIC Approved External Disputes Resolution Costs

Additional Cover Benefits

12 months Run-Off cover automatic extension – Applicable after three years of holding continuous cover
Cover for Pro-bono work
Unlimited Retro-Active Cover
Territorial Limits Worldwide excluding USA & Canada
Jurisdiction Limits Worldwide excluding USA & Canada

Staff & Sub-contractors

The number of Directors, Principals and staff covered under the policy will have an affect on the premium
Named sub-contractors can be covered at additional cost depending upon the number

Professional Indemnity Policy Cover

  • Advanced Defence Costs
  • Automatic Run-Off Event
  • Breach of Fiduciary Duty
  • Beach of Warranty of Authority
  • Claims Mitigation Costs
  • Compensatory Fines & Penalties
  • Continuity
  • Contractual Liability
  • Court Attendance
  • Defamation
  • Extended Reporting Period
  • Fidelity
  • Fraud and Dishonesty
  • Intellectual Property and Confidentiality
  • Inquiry Costs
  • Joint Ventures
  • Lost Documents
  • Misleading or Deceptive Conduct
  • New Subsidiaries
  • Past Partner Liability
  • Previous Business Name
  • Privacy
  • Public Relations Expenses
  • Reinstatement Limit of Liability
  • Vicarious Liability

Public & Products Liability Policy Cover

  • Covers a broad category of people and entities
  • Legal liability to pay compensation for personal injury, property damage and advertising liability
  • Broad definitions of personal injury, insured’s products, products liability and advertising liability
  • Property damage including any loss of use of property
  • Claims preparation costs
  • Property in your Care, Custody or Control
  • Vehicles Used as a Tool of Trade
  • Court Attendance Costs
  • Cross Liability
  • Vehicles Unloading or Loading Goods
  • Sale or Supply of Goods


Sub-contractor(s) can be covered under your Professional Indemnity and Public and Products Liability insurances by naming them on your policy. They will only be covered for services provided for and on your behalf. Any unnamed sub-contractor will not be covered, but you will still be covered to the extent of their vicarious liability, e.g. any negligent act they commit whilst acting on your behalf, for which you are held liable.

Premium Funding – Pay your premium by monthly instalments

Fund your premium and spread the repayments over 3 to 12 months. Funding charges apply.
If you wish to pay by monthly instalments, please contact us for a premium funding application. Instalments will be debited directly from your nominated bank account or credit card. Please note that funding terms, conditions, fees and charges apply, including default and cancellation charges.

Facility Security

Underwritten 100% by an APRA Authorised Insurer