Professional risks

Cover your business and yourself from liabilities arising from your professional services or management 

Protection for professional risks

Protect your business from against claims for financial loss, bodily/personal injury or property damage arising from an act, error or omission in the performance of professional services.

Insurance for professional risks can protect you from bearing the full cost of claims and disputes, and from the time and resources they consume. The threat of claims and litigation is very real and can potentially bankrupt businesses, small or large. It may seem like a distant possibility, but legal action often arises from an unforeseen event to completely disrupt businesses.

Types of professional risks and management liability cover

  • Management Liability

    Management Liability insurance protects directors and officers and the company itself from the many exposures relating to the management of a company. Anyone who owns or is involved in the management of a company carries specific responsibilities which may leave them personally liable for any alleged or actual wrong doing. Find out more about Management Liability insurance

  • Superannuation Trustees Liability

    This cover is tailored to the complex risks face by Australian trustees, and is designed to protect their personal assets from claims arising from wrongful acts. Find out more about Superannuation Trustees Liability insurance.

  • Information and Communication Technology Liability

    Cover tailored to the specific risks faced by ITC businesses, this insurance combines Professional Indemnity and Broadform Liability. Tailored insurance for certain IT professionals is available directly from CGU for small businesses, or through an insurance broker for larger or more complex businesses. Find out more about Information and Communication Technology Liability insurance.

  • Professional Indemnity

    Provides you and your business with comprehensive protection against claims for financial loss, bodily/personal injury or property damage arising from an act, error or omission in the performance of professional services covered by the policy. Find out more about Professional Indemnity insurance sold through brokers.

  • Associations and Non-Profits Liability

    Protects both the not-for-profit organisation and its officers against the risk of litigation arising from negligent acts, errors or omissions. CGU’s Association and Non-Profits Liability over comes with two hours of free legal advice, giving you access to counsel from our expert panel of lawyers. Find out more about Associations and Non-Profits Liability insurance.

  • Medical Malpractice

    Protects both professionals and establishments in the fields of medical and allied health fields from claims for financial loss, bodily injury or property damage arising from acts, errors or omissions in the provision of health care services. Find out more about Medical Malpractice insurance.

  • Directors and Officers Liability

    Company directors and officers can face personal liability claims as a result of their actions and activities carried out in their role, regardless of whether they are acting in a part-time, honorary or non-executive capacity. Directors and Officers Liability insurance protects you against these claims. Find out more about Directors and Officers Liability insurance.

  • Employment Practices Liability

    This cover is designed to help employers minimise the risk and potential costs of claims taken against them by employees. This may be related to things such as alleged discrimination, unfair dismissal or workplace harassment. Find out more about Employment Practices Liability insurance.

  • Multimedia Liability

    Protects organisations in the media, marketing and advertising industries against claims arising from the provision of Multimedia Services. Examples of Multimedia Liability claims include: breaches of duty, defamation, breach of copyright, false attribution of authorship (and other infringements of intellectual property) and invasion of privacy. Find out more about Multimedia Liability insurance.

Why choose CGU Professional Risks?

  • Experience counts

    CGU is one of Australia’s oldest and largest providers of Professional Risks insurance, including Professional Indemnity, Management Liability and Directors and Officers insurance.

  • Trusted by thousands of professionals

    CGU is a leading professional risks insurer, providing professional indemnity insurance for approximately 40,000 Australian businesses or individuals.

  • Tailored cover

    Our Professional Risks experts offer tailored cover for a wide variety of industries and professions.

  • Claims expertise

    Professional risks claims are complex, so you can rest assured knowing that over the past 27+ years we have managed over 42,000 professional indemnity claims for our policy holders.

Find an insurance broker

Our Professional Risks insurance products are available through insurance brokers and authorised representatives. An insurance broker will give you advice to make sure you have the right cover for your business needs.


Find an insurance broker