Professional Indemnity Insurance Perth

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Do I need Professional Indemnity insurance?

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Professional Indemnity Insurance cost

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Professional Indemnity Insurance

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What is 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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Do I need Public Liability insurance?

... Ensure you are capable of handling a Public Liability claim, regardless of whether it is true, with Public Liability Insurance. Let the insurers and lawyers take care of the claim so you can get back to what you do best ...

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Business Insurance Perth

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A Guide to PI Insurance

... is to make Professional Indemnity Insurance simple (also known as errors and omissions insurance, PI or Professional Indemnity). What is Professional Indemnity Insurance? Professional Indemnity Insurance is a form of ...

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Who needs Professional Indemnity insurance?

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7 Facts about Professional Indemnity insurance

... look at 7 facts about this important form of business insurance. What does Professional Indemnity insurance provide cover for? Professional Indemnity insurance is designed to respond to claims against your business for ...

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Professional Indemnity for Real Estate Agents

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Professional Indemnity Insurance for Consultants

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Insurance for Nurses

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PI Index: Premiums Decline 10 Straight Quarters

... rates over the next few quarters.” The combined PI&PL market, which is largely dominated by IT and ... As an example, the cost of Professional indemnity insurance for some Allied Health professionals can be as low as $20 per ...

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Insurance for Nurses

... Did you Know? The Nursing and Midwifery Board of Australia has set minimum requirements for Professional Indemnity Insurance (PI) for all enrolled nurses, registered nurses and midwives. You are required to have your ...

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Insurance for Registered Tax Agents

... 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 discrepancies on tax ...

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Insurance for Bookkeepers & BAS Agents

... , 2011, the Tax Practitioners Board required Bookkeepers and BAS Agents to have Professional Indemnity (PI) insurance. Professional Indemnity insurance coverage helps to reduce the risk that an Agent will be made liable ...

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Insurance for Architects

... lead to a costly Professional Indemnity claim. Thankfully, Professional Indemnity insurance is designed to ... Did you know that PI insurance is known as 'claims made' cover, which means you need PI insurance to be in ...

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Business Insurance

... and defence costs associated with a covered claim . Professional Indemnity (PI) insurance* provides protection for businesses that provide specialist services or professional advice.  It is designed to respond to claims ...

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Insurance for Registered Migration Agents

... or advice. PI Insurance also helps with the costs associated with responding to or managing claims covered by your policy. Tip: Migration Alliance members receive a discount of on Professional Indemnity policies with ...

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How to start your own accountancy business

... miscalculations can still occur^. This is where Professional Indemnity insurance* can become a vital form of cover. Professional Indemnity (PI) insurance offers protection for businesses that provide specialist services ...

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Who is Covered Under an IT Liability Policy?

... policies combine Professional Indemnity (PI), Public Liability and Products Liability to cover the IT professional from a ... insurances in addition to professional indemnity. The benefit of having professional indemnity ...

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Insurance for Electricians

... back a couple of grand. Professional Indemnity Insurance Protection for electricians that have clients who rely on the professional advice that they provide. Professional Indemnity (PI) insurance is an important form of ...

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The Risks of Growing Your Small Business

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Insurance for Allied Health Professionals

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Understanding Insurance for Physiotherapists

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Understanding Insurance for Graphic Designers

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Understanding Insurance for Interior Designers

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Insurance for Land Surveyors

... with safety standards and recording the correct measurements of properties and sites. That is why Professional Indemnity (PI) insurance is an important form of protection for surveyors.  It is designed to respond to ...

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Insurance for Project Managers

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Understanding run-off insurance

... purchased once for a selected period of time by the insured. If you need to get your Professional Indemnity or Run-Off insurance sorted for your business today, get in touch with BizCover today. We provide multi-year Run ...

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Insurance for Disability Workers

... it cover? A Disability Support Worker's insurance package includes Professional Indemnity* and Public Liability* insurance. Professional Indemnity* An important form of insurance that is designed to respond to claims ...

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Understanding business insurance for bookkeepers

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Insurance for Consultants

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Insurance for Accountants

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Insurance for Psychologists

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Business Insurance Melbourne

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Insurance for Yoga Teachers

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Insurance for Social Workers

... that 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 ...

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The Risky Business of Insurance

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Insurance for Carpenters

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Allied Health Combined Liability Insurance

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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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Information Technology Liability Insurance

... a snapshot of what Professional Indemnity and Public and Products Liability insurance provide cover for. Professional Indemnity insurance Professional Indemnity insurance secures IT professionals and their businesses for ...

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Insurance for IT Professionals

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Insurance for Professionals

... which caused financial loss? Luckily there is an insurance policy for that and it's called Professional Indemnity insurance. Professional Indemnity insurance protects you against losses claimed by a third party ...

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Business Insurance FAQs

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Public Liability Insurance VIC PPC

... alleged negligent business activity*. This differs from the type of coverage Professional Indemnity insurance* provides. Professional Indemnity insurance focuses on protecting you against losses claimed by a third party ...

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Insurance for Civil Engineers

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Insurance for Finance & Mortgage Brokers

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Insurance for Engineers

... to go 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 ...

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Insurance for Martial Art Teachers

... which 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 ...

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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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Public Liability

... alleged negligent business activity*. This differs from the type of coverage Professional Indemnity insurance* provides. Professional Indemnity insurance focuses on protecting you against losses claimed by a third party ...

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Insurance for Electrical Engineers

... is for a design to not go to plan and the consequences (and costs) can be severe. Professional Indemnity insurance is designed to protect you against losses claimed against you due to alleged or actual negligence or ...

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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 Personal Trainers

... mistakes happen, accusations can be thrown around, and claims are made, whether right or wrong. Professional Indemnity Insurance* is designed to have your back. It protects your business from losses incurred as a result ...

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Understanding Insurance for Mortgage Brokers

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

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Understanding Insurance for Real Estate Agents

... their property journey , and no matter how much car e you may take mistakes can still occur. Professional Indemnity insurance  is designed to respond to claims against your business for losses as a result of actual or ...

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Five Tips for Starting your Home-based Business

... third party 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 ...

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Reviews related to Professional Indemnity Insurance Perth

  • Easy & intuitive website for generating multiple professional indemnity quotes. Good personal follow-up by friendly brokers.

    Malindi M
    Management Consulting Service

Professional Indemnity insurance

Professional Indemnity insurance is designed for professionals who provide a specialist service or advice, providing protection for financial loss and legal costs in the event of a claim. This claim may be a result of an actual or alleged negligent act, error or omission whilst providing your professional service or advice.

Here’s the lowdown on Professional Indemnity insurance*

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 claims can arise from simple things like

  • giving incorrect advice
  • a miscalculation
  • incorrect diagnosis or treatment
  • an act, omission or breach of duty
  • engaging in misleading or deceptive conduct
  • loss of documentation
  • inadvertently defaming someone
  • failing to meet a deadline
  • not meeting your clients expectations

Professional Indemnity explained further…

Excellence in Customer Service


Independent feedback from our customers rated our service at excellent.

What’s typically included?*

Depending on the Professional Indemnity policy selected, your policy could cover you for liabilities arising from but not limited to: non-intentional or non- deliberate professional misconduct such as:

  • Providing your client with misleading or negligent advice
  • Breaching your professional duty
  • Confidentiality and other privacy breaches
  • Defamation, libel or slander
  • Loss of or damage to documents
  • Infringement of intellectual property
  • 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
  • Depending on the type of Professional Indemnity insurance policy you have, it may extend to provide cover for public relation costs to help protect your business’ reputation

For allied health professionals your Professional Indemnity insurance policy extends to provide cover for bodily injury or illness claims arising from the professional services covered by the policy.

What is typically not covered?*

  • Intentional damage or misconduct
  • Contractual liabilities
  • Professional fees refunds
  • Known claims and circumstances that may have occurred prior to the period of insurance
  • Acts of fraud and dishonesty
  • Accidental injury and property damage ( these kind of claims would typically be covered by Public Liability insurance)

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:

  • What are the potential risks (what could go wrong) and what could be the potential cost of a claim if something does go wrong?
  • The value of projects you work on or the value of your services
  • Any statutory requirements for your profession
  • The requirement of any professional body or association of which you are a member. Remember, as your business grows it is important to reassess your exposure to risk and increase your level of cover accordingly.

Why choose BizCover for your Professional Indemnity insurance

Built for small business

We know insurance and what makes small businesses tick.

Clear and competitive pricing

You can compare and choose from a range of highly competitive prices right there on your screen.  Seriously.

Cover to match your needs

You can tailor policies from selected Australian insurers to suit the needs of your business, and we are there to help!

Real people adding real value

Our friendly service team is on hand and on a mission to make you smile!

Frequently Asked Questions on Professional Indemnity Insurance

Professional Indemnity insurance* can protect those who provide professional advice or services to their clients. Some of these traditional occupations include accountants, architects, engineers and many more. 

Even for those in more hands-on professions like life coaches, consultants and event managers can still consider the benefits of Professional Indemnity insurance.  

Regardless of which industry you operate in, as a professional, you have a responsibility to deliver professional advice and services of the highest quality. A professional indemnity policy is intended to provide financial protection if a client were to make a claim against you for negligent acts or omissions in the provision of your professional service or advice. Could your business afford the legal fees and associated costs that come with a claim?

Professional Indemnity insurance is not always mandatory requirement.  However, for some professions it is a legal requirement or a mandatory requirement as part of the professional licence or membership to the relevant industry association. It can also be a contractual requirementIt is always best to check with your relevant industry body if it is a legal requirement and if a minimum level of cover is required. 

When it comes to the cost of your Professional Indemnity insurance, there’s no one price fits all policy. Every business is different, with each occupation carrying a different level of risk. The general rule is – the higher the risk, the higher the premium. 

These factors can also impact the cost: 

  • Your business revenue  
  • Size of your business 
  • Amount of coverage required 
  • Who is being covered by the policy? Are they qualified to perform the job 
  • Claims history 

 You can find more information here on Professional Indemnity cost and pricing factors. 

While both types of policies are there to protect your business against third-party claims that may occur from your business activities, they cover very different liabilities.  

Public Liability insurance* protects your business if a customer, supplier or member of the public are injured or sustain property damage as a result of your negligent business activities. It also assists with the legal costs associated with managing claims covered by the policy. 

Professional Indemnity insurance 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. It will also assist with the legal costs associated with responding to or managing claims which are covered by the policy.  

Management Liability insurance* protects directors and officers and the insured company itself from the many exposures relating to the management of a company. Owners and those responsible for the management of a company have specific responsibilities which can result in personal liability for alleged or actual wrongdoing. 

Management Liability is often offered as a packaged product including Directors and Officers Liability, Corporate Liability, Employment Practice Liability, Crime and Statutory Liability. 

 Professional Indemnity protects you against losses claimed by a third party 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 (which can include legal costs, investigator costs and expert fees). 

When it comes to making a claim on your insurance, we understand that it can be a difficult time and that’s why we want to make it as stress-free as possible. To help guide you through, we’ve created a simple outline of the claims process. 

Start the claims process by downloading and completing our claims form 

 Please email the completed form to our friendly claims team at [email protected]. 

We process all our claims online so you can lodge it anytime, 24/7.  

Leave the rest with usOnce we receive the claim form, we then manage the claim directly with the insurer. We pride ourselves on handling claims promptly, keeping you up to date every step of the process.  

Top tips to help speed up the claims process: 

  • Fill out the form correctly with all the required details, as accurately as possible. 
  • Include any relevant documents, photos, invoices etc. 
  • Check your policy excess. If the amount you are claiming for is less than the excess, then it may not be worth claiming.
 This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.