Professional Indemnity Insurance
Protect your professional reputation and finances against claims arising from your advice or services.
What is Professional Indemnity Insurance?
Professional Indemnity (PI) insurance protects businesses and individuals who provide professional advice, services, or expertise against claims of negligence, errors, omissions, or breach of duty. Even the most experienced professionals can face allegations from dissatisfied clients — and the legal costs alone can be financially devastating.
In Australia, PI insurance is a legal requirement for many regulated professions — including financial advisors, accountants, architects, engineers, healthcare practitioners, and lawyers.
At HC Insurance, we specialise in sourcing PI policies that are genuinely fit for purpose — not just the cheapest option on the market.
What PI Insurance Covers
📋 Claims & Allegations
- Negligence in professional services
- Errors & omissions in advice
- Breach of professional duty
- Misleading or deceptive conduct
- Breach of confidentiality
- Defamation arising from services
💼 Legal & Defence Costs
- Legal defence costs
- Court & tribunal representation
- Investigation costs
- Settlement & compensation payments
- Public relations costs
- Disciplinary proceedings costs
🔒 Extended Protections
- Run-off cover for retired professionals
- Prior acts coverage
- Cover for subcontractors & employees
- Intellectual property disputes
- Lost documents & data
- Cyber liability (selected policies)
Protect Your Professional Reputation
A single claim can cost more than your annual revenue. Don’t leave your livelihood unprotected.