Professional Indemnity Insurance.
Your client acts on your advice and something goes wrong. Fair or not, the legal process is expensive and your reputation is on the line. PI insurance gives you the resources to defend yourself and keep trading while you do.
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About This Cover
Professional indemnity insurance - what it covers and who needs it in Australia
If you're in the business of giving advice or offering professional services, professional indemnity insurance covers you if a client claims you've stuffed up, like a mistake, oversight or bad advice that cost them money or caused harm.
It covers legal costs and any payouts if things go south - so you're not left footing the bill, and you can keep doing your thing without major disruptions.
Even if the claim comes in after the policy period, you're usually still covered for that - so you can get on with the work knowing you're covered if something surfaces later.
What's Included
What's included - standard covers in a professional indemnity policy
Civil Liability
A client claims negligence, an error or an omission - by you or your staff. This covers what you're legally on the hook for.
Defence Costs
Pays for lawyers and court fees if you need to defend a claim - even if the claim is ultimately found to be without merit.
Fidelity Cover
If a staff member acts dishonestly and a client loses money because of it, this picks up the claim.
Extra Costs & Expenses
The extras a claim drags in - admin fees, expert witnesses, and related expenses.
Who Needs This
Who needs professional indemnity insurance - professions most at risk
Professional Services
IT specialists, management consultants, accountants, marketers, and other advisors whose recommendations carry financial consequence for clients.
Healthcare Providers
Doctors, nurses, therapists, allied health professionals, and healthcare clinics providing clinical advice or treatment to patients.
Education Sector
Tutors, training organisations, and educational institutions whose advice or curriculum could be subject to professional negligence claims.
Architects & Engineers
Design professionals whose plans, specifications, or technical advice carry significant liability if errors are made.
Finance Advisors & Brokers
Finance advisors, mortgage brokers, and insurance brokers who provide regulated financial advice that clients act upon.
Why Co-Pilot
Why Co-Pilot for professional indemnity - not just any broker
We work for you, not the insurer
As an independent broker, we have no loyalty to any insurer. Our job is to find the cover that protects your practice - not the policy that earns someone a commission.
Insurer relationships that open doors
Access to 90+ insurers, including specialist PI underwriters for regulated professions, high-risk industries, and complex service arrangements.
Honest advice on retroactive dates and policy structure
PI insurance is claims-made, not occurrence-based - the retroactive date and continuity of cover are critical. Getting these wrong can leave years of past work unprotected.
Clear communication, no surprises
We explain your policy in plain language, manage renewals proactively, and are available when a claim is lodged - not just at sign-up.
Hear What Our Clients Are Saying
“Steven has been absolutely amazing from start to finish! Not only did he make the whole home loan process smooth and stress-free, but even after we settled on our house, he didn’t just disappear – he kept in touch and continued helping us with reviewing our interest rate to make sure we’re always getting the best deal. He was always there to answer questions (big or small), explained everything clearly, and genuinely cared about helping us save money and feel confident every step of the way. Steven truly went above and beyond, and I’m so grateful for all his hard work and support. I’ll be recommending him to absolutely everyone I know – he’s the kind of broker you can really trust!”
Ghadeer A
FAQ
Common Questions About Professional Indemnity Insurance
A claim can come years after the work.
Make sure you're covered when it does.
Co-Pilot searches across 90+ insurers to find the right professional indemnity cover for your profession, service type, and risk profile. No gaps, no surprises.
No impact to your credit score