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Professional indemnity Insurance

  • Choose your level of cover, up to $10 million
  • Pay by the month, no extra cost
  • Get a quote in under 5 minutes

How it works

Professional Indemnity is designed to protect businesses that give professional advice or provide services to clients.

If a client claims a mistake your business made caused them injury or financial loss, Professional Indemnity covers the cost of your legal defence and damages you have to pay.

Who needs it?

If you give advice or provide professional services, Professional Indemnity can help prevent a mistake from costing your business.

It can help businesses like accountants and bookkeepers, IT specialists, advertising agencies and management consultants.

Why is it important?

Legal costs to defend yourself against any claim can be significant, and they can mean interruptions to your cash flow and disruption in your business.

Professional Indemnity can cover you for some unexpected costs like damages, claims investigations, public relations consultants and more.

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What's included?


Breach of duty

For example, if you fail to lodge a client’s paperwork in time.

Breach of privacy or confidentiality

Like if you accidentally share a client’s personal information online.

Intellectual property infringement

Like if you unintentionally breach copyright in designs you give to a client.


For example, if someone claims that your social media post damaged their reputation.

Lost or damaged documents

Like if you lost a 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.

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).

Not covered

Existing circumstances

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.

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 claims made against you because your business went bankrupt or becomes insolvent.

Still have questions?

How much cover do I need?
Every business is different, and the amount of cover you might need depends on lots of things, including the kind of work you do, how likely it is you’ll need to make a claim, and whether there are minimum amounts of cover you need to work with your clients.

When you get our Professional Indemnity, you choose between four levels of cover - $1 million, $2 million, $5 million and $10 million.
How much does Professional Indemnity cost?
The cost depends on many things including the size of your business and the amount of cover you choose.

The fastest way to see how much Professional Indemnity costs for you is to get a quote.
What’s the difference between Public Liability and Professional Indemnity?
This can be confusing because they’re both designed to protect you if someone claims your business caused injury or damage.

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.

We're here when you need us

Call 13 24 81

8am–8pm AEST,

Get a quote

Takes less than 5 minutes

Things you should know
  1. We cover reasonable and necessary fees, costs and expenses of PR consultants retained by you if we agree in writing beforehand. Limits for these are in the policy booklet.