What is Professional Indemnity Insurance?

... Contractors, Management Consultants, Accountants, Estate Agents etc. Could this happen to your business? No matter how good you are at your job, we're all human and we all make mistakes. Professional Indemnity Insurance ...

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What does Professional Indemnity Insurance cover?

... the chance of a claim occurring is real, no matter how good you are at your profession. Professional Indemnity insurance is designed to protect you from a wide range of potential risks. Even seemingly small errors, could ...

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How the cost of Professional Indemnity insurance is calculated

... the cost of a Professional Indemnity (PI) insurance policy is calculated and ... impact the cost of Professional Indemnity insurance. Insurance ... more than another? We look some of the key factors that that impact the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated on risk factors and put simply, the higher the level of ...

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How Does Professional Indemnity Insurance Benefit You?

... be referred to as professional indemnity insurance. Professionals are expected to possess ... ... by property damage or bodily injury. In addition to this, you should have professional indemnity insurance that provides coverage against lawsuits filed because of misrepresentation, negligence, inaccurate advice and/or ...

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Do I need Professional Indemnity insurance?

... for it or not, a claim must be defended - ignoring it won't go away. Don't despair. Professional Indemnity insurance is your best defence when faced with a claim. You get the assistance of an expert insurer by your side ...

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Professional Indemnity

... what you do. However, mistakes happen even with the most professional operators. Professional Indemnity (PI) insurance* is an important form of protection for businesses that provide specialist services or professional ...

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Do I need Public Liability insurance?

... 's licence. It may also be a requirement under a government or private client contract, or as part of a lease agreement for renting a commercial property. Do I need Public Liability Insurance if I have a home-based ...

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Misconceptions Around Professional Indemnity Insurance

... is that the claims professional indemnity insurance covers are only the experiences ... ... of professional indemnity insurance, as this means that if anything happens that causes them a loss, your insurance will pay for it. Such an example may be that you area private consultant and the contractor made an ...

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Professional Indemnity Insurance for Civil Engineers

... . As a professional, considering Professional Indemnity insurance to protect* you and your ... ... out of business. Below we'll explore Professional Indemnity insurance and how it can apply to your work as ... a duty of care for the network of clients, contractors, other consultants and members of the public involved. One ...

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Insurance for Architects

... to a costly Professional Indemnity claim. Thankfully, Professional Indemnity insurance is designed to provide ... contact with clients, contractors and the general public. Public Liability insurance is designed to provide ...

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Insurance for IT Professionals

... also becoming a more common requirement for independent contractors to hold and maintain their own Professional Indemnity insurance policies. Public Liability Insurance* Chances are you spend most of your time visiting ...

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Insurance for IT Professionals Colour Test 2

... a wide variety of IT services. Also, more and more companies require independent contractors to hold Professional Indemnity insurance before being considered for a contract. Public Liability Chances are you spend most ...

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Insurance for IT Professionals Colour Test

... a wide variety of IT services. Also, more and more companies require independent contractors to hold Professional Indemnity insurance before being considered for a contract. Public Liability Chances are you spend most ...

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Insurance for Disability Workers

... you a sole trader, contractor or carer possibly as part of the National Disability Insurance Scheme (NDIS), you could be exposed to risks which may result in a Professional Indemnity or Public Liability claim against ...

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Insurance for Civil Engineers- what you need to know

... about what kinds of business insurance coverage you may need to ... ... working on a job or project. Issues with sub-contractors or lengthy delays with construction due to bad weather, ... and its daily operations. Having Professional Indemnity insurance for Civil Engineers means that you and ...

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Insurance for Civil Engineers

... Indemnity insurance becomes vital to you and your business. Professional Indemnity insurance ... regular contact with clients, contractors and members of the public. Public Liability insurance is designed to provide ...

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5 Questions to ask yourself before buying Insurance for your Small Business

Know you need business insurance but aren't sure how ... while and looking to buy insurance for the first time; there ... ... on: do you employ any staff, or rely on contractors or suppliers? The resources you rely on: what utilities, ... a minimum level of Public Liability or Professional Indemnity insurance however, you may decide that you need a ...

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Insurance for Personal Trainers

... are made, whether right or wrong. Professional Indemnity Insurance* is designed to have your back. It ... , it's likely that Public Liability insurance is required if you operate as a contractor to a gym or fitness studio, ...

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Insurance for Electrical Engineers

... and costs) can be severe. Professional Indemnity insurance is designed to protect you against losses ... regular contact with clients, contractors and the general public. Public Liability insurance is typically an important ...

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Insurance for architects- the blueprint to success

The career of an architect is an exciting one, yet it's not one without risk. From the ground up, your responsibilities are skyscraper high. Beginning with the first ... or territory requires. Professional Indemnity Insurance Professional Indemnity insurance should be one of the ... work. Public Liability Insurance If you're dealing with clients, suppliers, contractors and the general ...

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What Limit of Professional Indemnity Insurance Do I Need?

... is 'What limit of Professional Indemnity insurance do I need?' While this ... ... a good idea to contact the association and check whether there is a minimum limit of Professional Indemnity Insurance you are required to maintain to comply with their compliance requirements. They may also be able to ...

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Professional Indemnity Insurance 101: For Allied Health Professionals

... protect yourself is with professional indemnity insurance. This type of policy provides ... ... any damages awarded as a result of the claim - no matter whether it's proven or not. Professional indemnity insurance gives people in the allied health professions, and their families, peace of mind that their assets are ...

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Sometimes Professional Indemnity Insurance is Needed

Professional indemnity insurance is handcrafted to provide coverage ... ... any potential policy holder needs to consider when deciding upon whether or not they should buy professional indemnity insurance is the potential financial loss that can occur as a result of legal fees whether or not ...

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Additional Cover for Professional Indemnity Insurance

... Fernando for his certificates of insurance - it's just part ... not only insured with professional indemnity, but also with the additional ... ... cover option of public liability. Hish says his clients expect his business to be covered by professional indemnity insurance to ensure there is cover in place in the case of any potential legal action they may take ...

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Professional Indemnity Insurance for Consultants

A large number of people that start businesses, in Australia have been experiencing a steady growth in business for the past few years. One area that is growing in magnitude ... a very safe option to assure you are covered in the event that someone files suit against you. Professional Indemnity Insurance works by insuring you the cost of a claim made that is equal to your client's monetary loss ...

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7 Types of Insurance Your Small Business Should Consider

... is Small Business Insurance. But what kind of insurance do you actually ... ... and could be enough to put a small business out of business! Public Liability Insurance explained. Professional Indemnity Insurance If your business or profession involves providing a service or advice, then Professional ...

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A Guide to PI Insurance

... and omissions insurance, PI or Professional Indemnity). What is Professional Indemnity Insurance? Professional Indemnity Insurance is ... 't know if they are getting the best deal. This is where BizCover steps in to satisfy your Professional Indemnity Insurance needs. BizCover allows you to get live online quotes in under 2 minutes, and purchase in only a ...

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Business Insurance Guide for the Self-Employed - Part 2

Navigating the world of business insurance can be confusing which is ... created a guide to business insurance for the self-employed that ... ins and ... of our guide, we explore the ins and outs of Professional Indemnity insurance. What is Professional Indemnity insurance*? Professional Indemnity insurance is an important form of protection for businesses that provide ...

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Professional Indemnity for Real Estate Agents

... the Real Estate Industry Professional Indemnity Insurance provides essential financial protection against ... minimum of $1 million Professional Indemnity ... licenses under the Property, Stock and Business Agents Act 2002 hold a minimum of $1 million Professional Indemnity Insurance with a number of set policy inclusions. 1 Even with this requirement, it is worthwhile looking ...

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Insurance for Nurses

... or misconduct. As a registered nurse, you must not practice unless you are covered by a Professional Indemnity Insurance policy that meets the minimum requirements set out by the Nursing and Midwifery Board of Australia ...

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Insurance for Engineers

... wrong. From bridges collapsing to roads rupturing - the consequences (and costs) can be severe. Professional Indemnity insurance is designed to provide your business with a solid foundation when things don't go to plan ...

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Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... business. Let us centre your insurance chakra by exploring some of ... ... teacher who will be held liable. So don't leave it up to chance and consider Professional Indemnity insurance to protect you and your business. What it typically covers? The financial consequences of negligent acts that ...

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Insurance for Consultants

... consulting professions, yet all are required to provide a professional service or specialist advice. Professional Indemnity insurance is designed to protect you from losses claimed by clients that are incurred as a ...

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Insurance for Professionals

... party due to alleged or actual negligence in your professional services or advice.  Your Professional Indemnity insurance will meet the associated compensation payable to a third party together with your defence costs ...

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Insurance for Social Workers

... could take a huge toll on your life.. This is where Professional Indemnity insurance comes into play. Professional Indemnity insurance* is an important form of protection for businesses that provide specialist services ...

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Insurance for Yoga Teachers

... and unfortunately it could be you as the teacher who will be held liable. That's why Professional Indemnity Insurance is an important form of cover for Yoga teachers. It helps respond to claims against you or your ...

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Insurance for martial art teachers

... results in your client's injury could lead to a claim being made against you. Having Professional Indemnity insurance can help you respond to claims made against you or your business for losses incurred as a result ...

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What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land ... ... ensure the land surveyor has the legal support required to defend their rights, Professional Indemnity Insurance can be crucial. PI insurance is designed to respond to claims against your business for losses as a result ...

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Insurance for pharmacy and pharmacists

... or actual negligence or errors in your professional pharmacy services or advice.  Your Professional Indemnity insurance will cover the associated compensation payable to a third party together with your defence costs ...

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Professional Indemnity PPC Landing Page

... ? Nobody is perfect, and we all make mistakes (even professionals!). That's why it's called 'Professional' Indemnity insurance, or PI. It's designed to protect people who give advice or provide a professional service. If ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... a health check of your insurance to ensure that if the ... ... extra responsibilities in the service or advice you provide, you may want to increase your Professional Indemnity insurance. Also, consider any new contracts you may enter into or updates to legislative requirements that ...

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Small Business Insurance Index

... price increases in the business insurance market, SMEs are continuing to ... the cost of business insurance, the BizCover SME Insurance Price ... over the last few years, however this year the increases were minimal. SME Professional Indemnity insurance prices have also remained flat over the last 10 quarters, this is contrary to what is happening in the broader ...

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Social Media Insurance

... of your feed, confusing hashtags and even for terrible spelling errors. This is where Social Media Indemnity Insurance comes in, you can now #cover yourself and your business from errors, egregious posts and unsuitable ...

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Management Liability Insurance

... company itself from the many exposures relating to the management of a company. Think of it like this: where Professional Indemnity insurance covers the advice or service you provide to your clients, Management Liability ...

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Insurance for Bookkeepers & BAS Agents

... . The Tax Practitioners Board (TPB) has made it so since 2011 and with good cause - Professional Indemnity Insurance covers you against the risk of a client claiming damages. Your professionalism and service often aren’t ...

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Insurance for Registered Tax Agents

... be more than what is set as the minimum requirement. ^Minimum PI insurance requirements source from TPB tpb.gov.au/professional-indemnity-insurance-tax-agents on 8 August 2019 What could cause a PI claim? Errors and ...

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Insurance for Real Estate Agents

... help ensure your reputation doesn't go under the hammer should something go wrong. That's where Professional Indemnity Insurance comes in. It is designed to respond to claims against your business for losses as a result ...

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Insurance for Finance & Mortgage Brokers

... a result of your actual or alleged negligencefrom the delivery of your professional service. Professional Indemnity insurance will also assist with the legal costs associated with responding to or managing claims covered ...

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Insurance for Allied Health Professionals

... party due to alleged or actual negligence in your professional services or advice.  Your Professional Indemnity insurance will meet the associated compensation payable to the third party together with your defence costs ...

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Insurance for Accountants

... Oh, and did you know it is an industry requirement that your level of Professional Indemnity insurance complies with the requirements outlined by your professional association. For instance, CPA Australia and Charted ...

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Insurance for Massage & Alternative Therapies

... you must be a recognised provider with the fund. Most health funds require providers to hold a current Professional Indemnity insurance policy with at least $1 million worth of cover, or $2 million if you wish to be a ...

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Insurance for Nurses

... It only takes one thing to go wrong to disrupt your career or possibly drain your assets. Thankfully, Professional Indemnity insurance is there to give you peace of mind if you do face legal action as a result of actual ...

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Insurance for Psychologists

... about is your clients. Did you Know? The Psychology Board states that the minimum level of Professional Indemnity insurance a Psychologist is required to obtain is $2 million cover for any one claim and at least one ...

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Insurance for Hair & Beauty Services

... against you could be very costly to your business, not to mention damage your reputation. Professional Indemnity insurance is designed to protect your business from losses claims made against you arising from actual or ...

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Insurance for Carpenters

... due to alleged or actual negligence or errors in your professional services or advice. Your Professional Indemnity insurance will meet the associated compensation payable to a third party together with your defence costs ...

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Insurance for Registered Migration Agents

... advice; errors on visa applications; late lodgement of documentation and the list could go on. Professional Indemnity insurance is designed to protect you by responding to claims against you or your business for losses ...

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Insurance Considerations for Personal Trainers

Working as a personal trainer can be a rewarding career. Not only do you get to help your clients achieve their goals and transform their lifestyles, but it's also the ... were to go wrong because of this advice. To cover yourself against this risk you should consider Professional Indemnity Insurance, which can help protect you for any claims that may arise due to any advice that you have ...

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Insurance for Marketing Consultants

... consider the terms you agree too, including the or KPIs you are expected to meet. Insurance for Marketing Consultants Professional Indemnity* As a marketing consultant, you are expected to wear many hats and each hat can ...

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Insurance for Pet Professionals

... legal fees, time away from your business and potential damage to your business' reputation. Professional Indemnity insurance* protects you against losses claimed by a third party due to alleged or actual negligence or ...

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Insurance for Plumber

... or sustain property damage as a result of your negligent business activities. Professional Indemnity Professional Indemnity insurance* is an important form of protection for businesses that provide specialist services or ...

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Insurance for Project Managers

... consulting services  Did you know? Even if your projects take you across the country, your Professional Indemnity insurance covers you anywhere in Australia.   Get the cover for your business Professional ...

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Insurance for Land Surveyors

... alleged negligent acts or omissions in the provision of your professional service or advice. Professional Indemnity insurance will also assist with the legal costs associated with responding to or managing claims which ...

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Insurance for Recruitment Consultants

... your profession. That's why BizCover makes it easy to take out Professional Indemnity insurance for your Recruitment Consultancy.. This insurance is designed to respond to claims against you for losses as a result of ...

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Insurance for makeup artists

... assets may be at risk if you don't have the appropriate insurance cover to protect you and your business. Insurance for Makeup Artists Professional Indemnity Insurance* As a makeup artist you're an expert when it comes ...

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Beauty to go! What Mobile make-up artists need to know about insurance

There are some obvious pros to working as a mobile freelance make-up artist - you have control over the hours you work, you get to work with a wide range of clientele ... you without one. So, let's look at the various forms of insurance mobile makeup artists should consider for their business… Professional Indemnity Insurance You're an expert when it comes to creating that perfect look ...

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Insurance for Sole Traders and Self Emplyed

... for sole traders who offer professional advice and services who are often required to hold a Professional Indemnity insurance policy*. Whether you own your own business premises, work on site or have a mobile business ...

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6 Areas You May Not Have Thought Business Insurance Covers

Your business is your livelihood. So it's vital to protect your business assets and revenue against potential risks that may impact your business, such as fire, storms ... a policy to suit your needs and include other essential covers such as Public Liability and Professional Indemnity insurance to ensure you are not left financially responsible for the costs of a legal claim should a ...

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Professional Indemnity Claims: when should I notify my insurer?

Your Professional Indemnity (PI) insurance is no doubt one of ... against your business. Like all insurance policies, there are several important Your Professional Indemnity (PI) insurance is no doubt one of the most vital covers you have for your business. If things don't quite go to plan it can provide much needed financial assistance for legal and compensation ...

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Business Interruption Insurance: Your 'Get Out of Jail Free' Card

... 'lock up' operations. Business interruption insurance can provide both peace of ... ... establish your loss. Losses beyond the indemnity period – The indemnity period is a period which you ... two very important questions. Do I have Business Interruption insurance? And, are both the property and the cause of ...

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Business Insurance Guide for the Self-Employed - Part 1

... are a variety of business insurance [] ... . Market stall-holders– A minimum level of Public Liability insurance is often required when having a stall at a market ... trainer who provides training services as a sub-contractor at a gym. A client attending an exercise ...

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Public Liability Insurance for Cabinet Makers

... the right kind of business insurances in place. Regardless [] ... ... in place. Regardless if you are self-employed, a sole trader or a contractor, there are business insurance options to suit your business and its needs. Let's take a look at what is often one of the most important ...

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Business Insurance Guide for the Self-Employed - Part 3

... in the world of business insurance, it can feel like you ... guide on all things Business Insurance for the self-employed. In ... back to basics ... changes in legislation Losses beyond the indemnity period Voluntary closures Losses due to ... an audit is enough to make you panic. Tax Audit Insurance covers a business for specified costs if the ATO selects it ...

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Finding the Right Business Insurance Can Be Hard but BizCover Makes it Easy

... and your assets with business insurance. However, figuring out exactly what ... 's why a group of insurance industry [] ... . Some of the more common types of cover include public liability, professional indemnity, cyber liability, business interruption and tax audit insurance. In many cases, businesses will need to mix and match different ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... , compare quotes and buy the insurance that suits your business. But ... not know about small ... , they may require you to have Professional Indemnity cover. Make sure your policy stays relevant ... your business is on the move and changing and so your insurance needs will also be changing and you'll want to ...

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Small Business Insurance Index Q2: 5 point increase, largest in 10 quarters

The Quarterly BizCover Small Business Insurance Index has shown that Australian ... enjoyed the end of declining insurance premiums with an increase of ... the first increase seen in 10 quarters. This brings the insurance rates back to the same level as Q4 2013/14 (6 ... which saw premium rates increase 10%. Professional Indemnity have just normalised back to the average prices ...

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Insurance Premiums for Retailers Continue to Climb

Insurance Premiums for Retailers Continue to ... The latest BizCover Small Business Insurance Price Index has been released ... an increase in small ... increase however is not universal. Graph 1 – BizCover Insurance Price Index (Financial Year 2017 2nd Quarter) There was no change in the Professional Indemnity sector, but the index for Public Liability and Business ...

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STABLE INSURANCE RATES A REASSURANCE FOR SMEs

BizCover's SME Insurance Price Index has unveiled a ... the COVID-19 pandemic with insurance rates remaining flat for a ... acquired from BizCover's ... ,” he said. “Key sections of business pack insurance that are frequently used by retailers such Contents, ... increases in the cost of Public Liability and Professional Indemnity in other industries,” he said. BizCover's ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses ... . Failure in obtaining public liability insurance policy can expose a business ... ... interact with public space (construction, parks etc.), or welcome visitors and sub-contractors should check to see whether there is public liability insurance is in place first. In the trades industry, there may also be ...

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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... .com), a leading-edge online insurance model that connects independent professionals ... critical Professional Liability (E&O) insurance solutions ... revenues under 2.5 million dollars) have not had many alternatives when it came to buying business insurance. BizInsure has entered this space to satisfy the needs of this important and growing market; small business ...

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Insurance for Gift Shops

... equipment, stock, plant and machinery, records and furniture belonging to you at the insured location. Building* - This insurance will cover for loss and damage to buildings you own, as a result of an insured event (such ...

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Insurance for Furniture Manufacturers

... wrong. This is where business insurance comes into play and should ... . The process of arranging your insurance can feel overwhelming at times . ... up and running, so without your business assets, how are you going to earn an income? Having suitable business insurance in place can help safeguard your business for when things don't go to plan and for when you need ...

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iSelect partners with BizCover to launch business insurance comparison

... expanded their general insurance offering to include business insurance, through a partnership ... , Australia's leading small business insurance ... to medium (SME) business owners a full end-to-end online service to compare most of their business insurance needs, with policies available from some of Australia's leading insurers. SME customers will have the option of ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... it can feel like there is an overwhelming choice of policies and policy options to choose from. Why do I need insurance for my food business? Whether you are serving up fancy dishes in a restaurant, coffees in a café or ...

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Business Insurance Guide for the Self-Employed - Part 4

... piece of our Business Insurance for the self-employed ... Accident and Illness insurance and Cyber Liability insurance. We share ... is Personal ... at work. He required surgery and time off work to recover following his injury. His Personal Accident and Illness insurance provided a weekly benefit of $1,700 a week for a period of six months. The total policy benefit ...

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BizCover SME Insurance Price Index Q2 FY20

More larger businesses with simple insurance needs are using BizCover for ... their insurance, while smaller businesses benefit from ... this quarter ... decline that began 12 months ago. The increase can be attributed to more demand for Business Contents insurance particularly from businesses with an annual turnover greater than $400,000. Cover for contents in the Trades ...

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BizCover SME Insurance Price Index Q1 FY20

... reductions on their Public Liability insurance, while prices have remained steady ... ... its highest in five years and transport costs increasing steadily. The increase did not affect the cost of insurance for small businesses on the BizCover platform as prices dropped to the lowest point in 24 months. The ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically ... ... make themselves welcome. Glass cover is often an option that can be taken out as part of your Business Insurance policy. In some cases may even be a requirement by your landlord. It not only covers repair or replacement ...

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A guide to Plasterer's insurance that won't leave you, board

... by not having the right insurance in place? Read on to ... ... cover with the right limits in advance. Some industry bodies will require you to have your own Public Liability insurance policy before being able to join Cover your bits Your tools of trade are vital to getting the job ...

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Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a ... BizCover Small Business Insurance Price Index has shown insurance rates ... Director of BizCover commented “While there is still an abundance of capacity and fierce competition in the insurance market, insurers have managed to hold onto their rate increases from last quarter. I suspect given the ...

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You’re a professional and there is no doubt you are good at what you do. However, mistakes happen even with the most professional operators

Professional Indemnity (PI) insurance* is an important form of protection for businesses that provide specialist services or professional advice.  It is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. PI Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy. 

Professional Indemnity claims can arise from simple things like giving incorrect advice, a miscalculation, incorrect diagnosis or treatment 

Professional Indemnity explained further…



Independent feedback from our customers rated our service at excellent.

What’s typically included?*

Depending on the Professional Indemnity policy selectedyour policy could cover: 

  • Payment of compensation as a result of a claim, including but not limited to Court awarded damages 
  • An award of legal costs against you  
  • Reasonable legal costs incurred in defending or responding to the claim 
  • Claim investigation costs 
  • Disciplinary proceeding costs 

What is typically not covered? *

  • Intentional damage  
  • Contractual liabilities  
  • Professional fees  
  • Known claims and circumstances 
  • Fraud and dishonesty 

Download Professional Indemnity Fact Sheet

How Much Cover Should I have ?

With BizCover you can choose policies with levels of cover between $250,000 to $10 million, from the leading insurers on our website.

When considering how much cover you may need you should think about:

*As with any insurance, cover is subject to the terms, conditions and exclusions contained in your policy document.  The information contained on this webpage is general only and should not be relied upon as advice.