How Does Professional Indemnity Insurance Benefit You?

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How the cost of Professional Indemnity insurance is calculated

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Do I need Professional Indemnity insurance?

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Professional Indemnity

... 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 ...

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What is Professional Indemnity Insurance?

... ? No matter how good you are at your job, we're all human and we all make mistakes. Professional Indemnity Insurance allows you to cover yourself if and when you do slip up in your normal course of work. Here ...

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Do I need Public Liability insurance?

... for all kinds of business from professionals and tradesmen to retailers and other types of small businesses. Is Public Liability insurance a legal requirement? Public Liability Insurance is not a legal requirement ...

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Professional Indemnity Claims: when should I notify my insurer?

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Top 5 Reasons for Having Professional Indemnity and Public Liability Insurance

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Business Insurance Guide for the Self-Employed - Part 2

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A Guide to PI Insurance

... Professional Indemnity Insurance simple (also known as errors and omissions insurance, PI or Professional Indemnity). What is Professional ... as errors and omissions insurance, PI or Professional Indemnity). What is Professional Indemnity Insurance? Professional Indemnity Insurance is a form of business insurance for professionals who are in industries ...

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Insurance for Disability Workers

... of Business for Registered Providers (2017), participants are required to maintain an adequate level of insurance including Public Liability insurance and Professional Indemnity insurance . Through BizCover ...

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Insurance for IT Professionals

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What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land ... ... to defend their rights, Professional Indemnity Insurance can be crucial. PI insurance is designed to respond to ... leading insurance providers and provide quotes in minutes. *As with any insurance, cover ...

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Insurance for Massage & Alternative Therapies

... rebate from their health fund 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 ...

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

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Insurance for Bookkeepers & BAS Agents

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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 ...

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Insurance for Allied Health Professionals

... claimed by a third 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 ...

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5 Tips for an Insurance Health Check

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The Risky Business of Insurance

What are the Real Costs to Australian Small Business? Small business owners tend to be juggling many balls - managing clients, cash flow, staff, stock and future planning ... Professional Indemnity ... - protects against losses for any legal action taken against your business for advice or services you have provided. All businesses providing advice should have PI Business Insurance ...

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Professional Indemnity PPC Landing Page

Why do I need Professional Indemnity Insurance? 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 ...

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Professional Indemnity Insurance for Civil Engineers

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Additional Cover for Professional Indemnity Insurance

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What Limit of Professional Indemnity Insurance Do I Need?

... consumers is 'What limit of Professional Indemnity insurance do I need?' While this ... . If you belong to a professional association, it is always ... ; some provide Defence Costs in addition to the limit of Professional Indemnity insurance . You need to ensure your limit of Professional Indemnity Insurance is adequate to encompass both the claim and the costs in ...

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The difference between Public Liability and Professional Indemnity insurance

... most common types of business insurance, but do you really know ... . What is Public Liability insurance*? Public Liability Insurance is designed ... th e n this is an important form of cover to consider. What is Professional Indemnity insurance * ? Professional Indemnity protects you against losses claimed by a third – party due to alleged or ...

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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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Professional Indemnity for Real Estate Agents

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Sometimes Professional Indemnity Insurance is Needed

Professional indemnity insurance is handcrafted to provide coverage ... the policy holder due to professional carelessness or accusations. Sometimes ... that 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 ...

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Misconceptions Around Professional Indemnity Insurance

... misconception is that the claims professional indemnity insurance covers are only the experiences ... ... the word can spread like wildfire over the internet and community. This is where the value of professional indemnity insurance can be recognized. If you were somehow involved in consulting or advising a client and they ...

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Professional Indemnity Insurance 101: For Allied Health Professionals

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Insurance for Nurses

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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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PI Index: Premiums Decline 10 Straight Quarters

Business Insurance Premiums Decline 10 Straight Quarters, ... healthy competition in the business insurance market. The BizCover Small Business ... ... rates over the next few quarters.” The combined PI&PL market, which is largely dominated by IT ... 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 Registered Tax Agents

... an agent may in fact 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 ...

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Insurance for Architects

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

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What are some types of insurance available for small businesses?

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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 ... ... your business or profession involves providing a service or advice, then Professional Indemnity (PI) Insurance is a must have. It protects professionals against liability for damages, and the legal costs associated with ...

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Insurance for Registered Migration Agents

... 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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Who is Covered Under an IT Liability Policy?

Information Technology Insurance Professionals in the information technology sector ... ... 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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The Remaining Risk: What Isn't Covered and Why it Matters

... most common issues with Business Insurance is that policy owners often ... ... a rough idea of what's covered will certainly come in handy. For example, if you purchase Professional Indemnity (PI) insurance you should know that you're covered for any damages claims awarded against you, plus defence ...

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A Mumpreneurs Guide to Understanding Business Insurance

The art of juggling parenthood while running your own business is anything but an easy feat. Theres always something screaming for your attention, from managing client ... think about Professional Indemnity insurance. Even the most experienced professionals can make accidental mistakes, and that’s where Professional Indemnity insurance can help. Professional Indemnity (PI) insurance* is ...

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Insurance for Civil Engineers- what you need to know

... about what kinds of business insurance coverage you may need to ... ... your business. Professional Indemnity insurance Professional Indemnity insurance is a type of insurance coverage selected by professionals, including civil engineers. Professional Indemnity (PI) insurance* is ...

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The Risks of Growing Your Small Business

The only strategy that is guaranteed to fail is not taking risks. Mark Zuckerberg There comes a time when every successful enterprise needs to ditch the baby steps ... of themselves, but the primary insurances - public liability and professional indemnity - are crucial. Ignore them ... faulty product. This cover is essential. Professional Indemnity ('PI') is different in that it protects ...

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Understanding Insurance for Physiotherapists

Your clients rely on your expert advice and services as a physiotherapist. You help ease their aches and pains from minor sprains to long-term rehabilitation programs ... , it is a registration requirement for physiotherapists practi s ing within Australia. Professional Indemnity (PI) insurance is designed to respond to claims against your business for losses as a ...

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Understanding Insurance for Graphic Designers

... , that's when your business insurance comes into play. We've ... ... of an unhappy client making a claim. This is why Professional Indemnity insurance is an important coverage to consider. Professional Indemnity (PI) insurance is a form of protection for businesses that provide ...

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Understanding Insurance for Interior Designers

... where having the right business insurance in place is vital. Let ... and outs of how business insurance can protect your interior design ... ... to make a claim . In scenarios like these, Professional Indemnity insurance can help protect your business. Professional Indemnity (PI) insurance is an important form of protection 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

... you across the country, your Professional Indemnity insurance covers you anywhere in Australia.   ... in the provision of your professional consulting service or advice. PI Insurance will also assist with the ...

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A Broker Divided - Is BizCover's Michael Gottlieb a Threat to Broking or its Future?

... unknown. He started his own insurance brokerage despite never having worked ... in the world selling commercial insurance through an aggregator website ... trying to do was sell insurance - whether it was D&O or professional indemnity - but really focusing on what ... , Gottlieb soon had the ability to offer quotes for PI cover from his three suppliers just 
a few seconds after ...

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Allied Health Combined Liability Insurance

... health professions. Here's a snapshot of what Professional Indemnity and Public Liability insurance provide cover for. Professional Indemnity insurance A Professional Indemnity claim could be enough to cripple your ...

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BizCover expands into New Zealand and launches BizCover.co.nz

... in Australia and leading provider of online professional indemnity insurance, has announced today the ... years), BizCover.co.nz provides professional ... New Zealand - February 8, 2011. BizCover, the pioneer online insurance marketplace in Australia and leading provider of online professional indemnity insurance, has announced today the launch of its New Zealand business ...

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Insurance for Accountants

... mistakes, and these errors or omissions could result in financial losses for your clients . Professional Indemnity insurance will protect your business from losses arising out of acts, errors and omissions from a ...

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Insurance for Finance & Mortgage Brokers

... incurred as 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 ...

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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 ...

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Insurance for Psychologists

... if something does go wrong. Even if you're not at fault, Professional Indemnity insurance may be able to assist you. Professional Indemnity insurance is there to give you peace of mind if claims arise as a ...

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Insurance for Professionals

... 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 ...

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Insurance for Real Estate Agents

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Insurance for Social Workers

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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 ...

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7 Surprising ways business insurance can help your company

... of sorting out your business insurance may feel like an overwhelming ... ... company itself from the many exposures relating to the management of a company. While Professional Indemnity insurance provides cover in relation to the advice and services you provide to your clients ...

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Insurance for Consultants

... exposure , which may affect your personal assets if things go wrong. Insurance for Consultants Professional Indemnity* There are literally hundreds of different consulting professions, yet all are ...

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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 ... ... the 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 ...

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Insurance for Civil Engineers

... expectations when it comes to your professional advice and services. This is where Professional Indemnity insurance becomes vital to you and your business. Professional Indemnity insurance is an important form of ...

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Insurance for Yoga Teachers

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Understanding Insurance for Real Estate Agents

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Insurance for Carpenters

... 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 ...

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Understanding Insurance for Mortgage Brokers

... the appropriate types of business insurance. [] ... 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 ...

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Small Business Index July 2015

SMEs benefiting from declining insurance rates but is the tide ... capacity and competition in the insurance market over the last few ... drive down ... low number of catastrophes and low interest rates, and those with capital chasing returns in insurance.” The Professional Indemnity rates reduced the most this financial year finishing 3% lower. Over the time of ...

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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 Pet Professionals

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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 ...

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New Territory - how to adapt your real estate business during COVID-19

COVID-19 has had a significant impact on the real estate industry with social distancing and mandatory bans on open homes and auctions. Riding the roller coaster of ... of actual or 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 ...

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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 ...

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Insurance for Personal Trainers

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Insurance for Marketing Consultants

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Help Protect your small business' reputation

When it comes to running a small business, your brand and its reputation are priceless. No doubt you've spent countless hours establishing your name by building strong ... your reputation too. And let's face it, we are all human and mistakes do happen. Fortunately, Professional Indemnity insurance is designed to protect your business should you or your staff make an error, omission, or ...

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Insurance for Victorian Plumbers

... 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 ...

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Insurance for Plumber

... 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 ...

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So You Want to Start a Side Hustle? Here's What You Need to Know - Part 2

Welcome back to part 2 of our guide on what you need to know when starting a side hustle. In part 1 we explored some of the steps involved with setting up your side ... 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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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 ... , the minimum amount of cover that your state or territory requires. Professional Indemnity Insurance Professional Indemnity insurance should be one of the first projects on your drawing board! Designed ...

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Insurance for martial art teachers

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Insurance for Recruitment Consultants

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Five Tips for Starting your Home-based Business

Sometimes it takes extraordinary circumstances to take the leap of faith to start your own home-based business. The COVID-19 pandemic has made this an option for many ... 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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Insurance for makeup artists

... 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 ...

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Survival of the Fittest - How Your Fitness Business Can Adapt

The mandatory closures of gyms and fitness studios due to COVID-19 has forced personal trainers to come up with new ways to keep their businesses running. Take a look ... paid-up to date and that you have the right cover. I f you have an active Professional Indemnity insurance* policy and are running online classes, it will still cover you for claims against your business ...

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Small Business Insurance Index

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How to hire quality tradesmen for your small business with Oneflare

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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 ... 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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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.