AUSTRALIAN INSURANCE GUIDE
Professional Indemnity Insurance Guide
A guide to insurance for advice, design, consultancy, certification and professional services.
QUICK ANSWER
What is Professional Indemnity Insurance?
Professional Indemnity Insurance can respond to claims arising from alleged errors, omissions or breaches of professional duty in advice, design, consultancy, certification or other professional services, subject to the policy wording. The exact services and contractual responsibilities should be described clearly.
OVERVIEW
Describe the professional service precisely
Insurers commonly need the exact services provided, qualifications and licences, turnover by activity, client profile, contract values, overseas work, subcontracting, retroactive exposure, claims and known circumstances.
Professional obligations and compulsory insurance requirements can vary by profession and jurisdiction, so those points should be checked independently.
Australian insurance context
For Australian businesses, Professional Indemnity Insurance Guide should be considered against the actual activities, location, scale, contracts, assets and risk controls of the business. Insurance requirements and insurer appetite can vary by state or territory and by the way the risk is presented.
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Published by DIBNI · Last reviewed 30 August 2026 · Editorial standards · Commercial insurance proposal guide