Professional & Management Liability

Professional Indemnity Insurance

We all make mistakes and when you provide advice for a living those mistakes can be costly. Professional Indemnity Insurance protects your business if a client claims your advice or service caused them financial loss. It covers legal costs and compensation, helping protect your assets and reputation. That’s why professional indemnity insurance matters.

Management Liability Insurance

Did you know that running a business can expose you to personal legal risks under the Corporations Act? This is why Management Liability is important. It protects directors and officers against claims for wrongful acts, breaches of duty, or regulatory investigations.
It can include:

• Directors & Officers Liability
• Employment Practices Liability
• Statutory Liability
• Crime & Fidelity Cover
• OH&S Defence & Crisis Costs

Directors & Officers Liability Insurance

Being a director or officer is a privilege and a great achievement, but it also comes with its own set of risks. Directors and Officers (D&O) Insurance provides protection for directors and officers against claims made against them while performing their company duties. It helps safeguard their personal assets from legal and financial exposure.

D&O Insurance can also reimburse the company when it is legally required to indemnify its directors or officers for claims made against them in the course of their duties. However, it does not cover claims made directly against the company itself.

Association Liability Insurance is a type of D&O cover designed specifically for associations and not-for-profit organisations.

Employment Practices Liability Insurance

Running a business means managing people and sometimes, people challenges. Hiring and managing people comes with a unique set of risks and emotions. Employment Practices Liability or EPL protects employers from claims related to wrongful termination, discrimination, harassment, or breach of employment laws.

Statutory Liability Insurance

Exclusions, the excess you need to pay and limits of liability can vary greatly depending on your insurer. Policies generally won’t include cover for:

• Contractual or commercial liabilities.
• Liability which results from fraud and dishonesty.
• Depending on your occupation, third party bodily injury/property damage.
• Unpaid fees.

Information Technology Liability Insurance

In today’s digital world, even small IT errors can have big consequences. Covers IT professionals for claims arising from system failures, data loss or errors in professional advice or service.