Professional Indemnity Insurance.
Your client acts on your advice and something goes wrong. Whether the claim is fair or not, the legal process is expensive and your reputation is on the line. Professional indemnity insurance means you have the resources to defend yourself and the protection to keep your business running.
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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 - giving you peace of mind so you can work with confidence, knowing you're covered if things go wrong.
What's Included
What's included - standard covers in a professional indemnity policy
Civil Liability
Covers your legal responsibility if a client makes a claim of professional negligence, errors, or omissions against you or your staff.
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
Protects you if a staff member acts fraudulently or dishonestly in a way that causes financial harm to a client and results in a claim.
Extra Costs & Expenses
Covers the additional costs that can arise during the claims process - administrative fees, expert witnesses, and other 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.
Industrial Specialised Risk
In regard to property loss -
ISR cover typically includes:
For businesses with significant physical assets, Industrial Special Risks (ISR) policies provide broad protection. Here's what is typically covered under property loss provisions.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
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.