Professional Indemnity

$1 million (Aggregate - $20 million)
$2 million (Aggregate - $20 million)
$5 million (Aggregate - $20 million)
10 million (Aggregate - $20 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 Extention
$250,000 Disciplinary Proceedings & Inquiry Costs
$250,000 Fines & Penalties
$250,000 Fidelity Guarantee
$250,000 Statutory Liability
$250,000 Legal Defence Costs
$250,000 Public Relations Expenses
$250,000 Cyber Liability
ASIC Approved External Disputes Resolution Costs

Additional Cover Benefits

12 months Run-Off cover automatic extension
Cover for Pro-bono work
Unlimited Retro-Active Cover
Territorial Limits Worldwide excluding USA & Canada
Jurisdiction Limits Worldwide excluding USA & Canada

Staff & Sub-contractors

There is no limit to the number of Directors, Principals and staff covered under the policy
Named sub-contractors covered at no extra cost

Professional Indemnity Policy Cover

  • Civil Liability Breaches, Acts, Errors or Omissions
  • Defamation
  • Competition & Consumer Legislation
  • Intellectual Property
  • Retroactive Date
  • Advancement of Costs
  • Loss of Documents
  • Fraud & Dishonesty
  • Enquiry Costs
  • Extended Reporting Period
  • Court Attendance Costs
  • Mitigation of Costs
  • Privacy Breach Costs
  • Fines & Penalties
  • Pro-bono or Voluntary Advice or Services
  • Sale or Supply of Goods
  • Run Off Cover Insured Entity
  • Joint Venture Liability
  • Continuous Cover
  • Sub-Contractors
  • Spousal Liability
  • Cyber Liability
  • Statutory Liability
  • Fidelity
  • Previous Business
  • Public Relations Expenses
  • Newly Created Subsidiary
  • Automatic Reinstatement
  • External Disputes Resolution
  • Mergers & Acquisitions
  • Bodily Injury & Property Damage

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

Named Sub-contractors can be automatically covered under your policy

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 Certain Underwriters at Lloyd's
Lloyd's of London is an APRA Authorised Insurer