• Professional Indemnity Insurance

    Tell us about your business and we will find you a competitive quote.

    Once you have completed the form, click the Submit button to send your information.

    Your request for a quote will be handled promptly.

    If you prefer to talk to a broker first, please call Liability Brokers during business hours to discuss quotes or you can leave a recorded message for us at the bottom of this form.

  • Professional Duties
    We need to understand what you do in order to rate your risk

  • Sums Insured

  • Underwriting Questions

  • Rows
  • Rows
  • Rows

  • NSW Small Business Stamp Duty Exemption

  • Notes:
    Aggregated turnover is your Australia wide annual turnover plus the annual turnovers of any business entities that are your affiliates or are connected with you.

    A fraudulent declaration may invalidate your insurance contract.

    The declaration covers all policies issued to you during the last financial year.

    An insurer will place reliance on your declaration in charging the applicable insurance duty

    False declarations may result in penalties up to $11,000 by Revenue NSW plus the Insurance duty not paid and penal interest on that balance.

    Revenue NSW may also be able to darify your queries relating to the law and your obligations.

     

  • Manual Risks

    Manual risk exposure involves:

    • Manual labour or manual tasks performed by yourself (apart from measuring).
    • The supervision of manual labour or manual tasks performed by other parties.
    • The responsibility of manual labour or manual tasks performed by other parties.
    • The training of others on how to perform manual tasks

  • Contractors

  • Contracts

  • WARNING: Signing of Contracts

    There are potential insurance ramifications of signing contracts without appropriate legal advice. Many contracts have "hold harmless" clauses included in them and put the insured in a situation where they may not be covered under their liability policies. This policy has an exclusion relating to Contractual Liability. Basically, the exclusion states that the Insurer will only provide indemnity for any contractual liability where the signing of the contract does not increase the insured's liability beyond what would have applied had the contract not been signed.

    NOTE: All contracts should be checked by your lawyer before signing.

  • Insured's History

  • Declaration

    By submitting this Declaration the Applicant acknowledges:

    • they are authorised by each of the other Applicants to make this Declaration,
    • the contents of the Declaration are true and complete,
    • they are under a continuing obligation to immediately inform the insurer of any change in the particulars or statements contained in this Declaration or in the accompanying documents up until the contract is entered into,
    • they authorise the insurer to give or obtain from other insurers or insurance reference bureaus or credit reporting agencies, any information about this insurance or any other insurance held by the Applicant/s.
  • Clear
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  • Duty of Disclosure: What you must tell us
    Before you enter into an insurance contract, you have a duty to tell the insurer anything that you know, or could reasonably be expected
    to know, may affect their decision to insure you and on what terms.
    You have this duty until they agree to insure you. You have the same duty before you renew, extend, vary or reinstate an insurance
    contract.
    You do not need to tell the insurer anything that:
    • reduces the risk they insure you for; or
    • is common knowledge; or
    • they know or should know as an insurer; or
    • they waive your duty to tell them about.
    If you do not tell the insurer something you are required to, they may cancel your contract or reduce the amount they will pay you if you
    make a claim, or both. If your failure to tell them is fraudulent, they may refuse to pay a claim and treat the contract as if it never existed.

    Claims Made Policy
    The Professional Indemnity section of this Policy operates on a 'Claims made and notified' basis. This means that the Policy covers you for Claims made against you and notified to us during the Period of Insurance.
    This Policy does not provide cover in relation to:

    • acts, errors or omissions actually or allegedly committed prior to the retroactive date of the Policy (if a date is specified);
    • claims made after the expiry of the period of insurance even though the event giving rise to the Claim may have occurred during the period of insurance;
    • claims notified or arising out of facts or circumstances notified (or which ought reasonably to have been notified) under any previous Policy;
    • claims made, threatened or intimated against you prior to the commencement of the period of insurance;
    • facts or circumstances of which you first became aware prior to the period of insurance, and which you knew or ought reasonably to have known had the potential to give rise to a Claim under this Policy;
    • Claims arising out of circumstances noted on the proposal form for the current period of insurance or on any previous proposal form.

    Where you give notice in writing to the insurer or any facts that might give rise to a claim against you as soon as reasonably practicable after you become aware of those facts but before the expire of the period of cover, you may have rights under Section 40(3) of the Insurance Contracts Act 1984 to be indemnified in respect of any claim subsequently made against you arising from those facts notwithstanding that the claim is made after the expiry of the period of cover. Any such rights arise under the legislation only. The terms of the Policy and the effect of the Policy is that you are not covered for claims made against you after the expiry of the period of cover.

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