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    3. Professional Indemnity

    Professional Indemnity

    Professional indemnity insurance protects you from legal action taken against you, if someone suffers a loss following your professional advice or as a result of receiving your service.

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  • Why is this cover important?

    You might take out professional indemnity insurance if you give professional advice or perform services to customers through the course of your work.

    There are also specific types of professional indemnity insurances for certain professionals. For example, the medical profession will usually have medical indemnity insurance as a requirement of professional registration or licensing.

    Professional Indemnity Insurance will protect professionals against claims for financial loss arising out of an act, error or omission, as a result of the conduct of Professional Services that you provide.


    Personal Indemnity (PI) Insurance can pay for any resulting judgments against you, including legal defence costs and court costs up to the coverage limits in your policy.

    • Public Relations Expenses

      To help mitigate reputation damage following a claim against your business.

    • Civil Liabilities

      Covers you against claims of breach of duty, defamation, loss of or damage to documents, infringement or intellectual property.

    • Claims Investigation costs

      Investigations, defending and settling claims made against you.

    • Injury and Property Damage

      Property Damage and Bodily Injury claims arising from your professional services.

  • Common Industries

    Common industries to purchase Professional Indemnity include:

      • Accounting and Financial Services
      • Architecture
      • Building Professions
      • Charities
      • Consultants
      • Information Technology
      • Training Organisations
      • Management Consultants
      • Medical Professionals
      • Transport Industries
  • Why Us?

    When you take out a Professional Indemnity policy, you will immediately have access to Citycover’s expert claims team for personal service on any claim (we work and represent you), and our experienced Advisers for advice on Risk Management.

      • We have access to a large range of quality professional indemnity policies. We will work with you to you to ensure the coverage best meets your needs.
      • Our claims team has years of experience and expertise in successfully managing complex and difficult claims.
  • FAQs

    Frequently Asked Questions for Professional Indemnity Insurance.

    • What is a claims-made policy?

      A Professional Indemnity policy is a Claims-made policy. It is triggered when a claim is made against the Insured during the active policy period, regardless of when the wrongful act that gave rise to the claim took place. Often claims are made years after they took place.

    • Can I pay my premiums by the month?

      Yes. All insurance offered by Citycover can be paid by the month through premium funders. If you chose to use the premium funder’s service, your monthly instalments will be tax deductible.

    • Why can’t I let my policy lapse when I am taking a break?

      If you don’t renew or replace a ‘claims made’ policy, then there is no ‘new’ 12 month window to

      cover any new circumstances that may arise and therefore you have no cover for the past.

    • Does a professional indemnity policy cover court attendance costs?

      Yes, most of the insurers provide cover to pay, on behalf of the policyholder, any court attendance costs. It will cover any officer or employee who is legally compelled to, and has to attend court as a witness in the event of a claim.

      The amount per day could be different as per various policy wordings.

    • What is the Retroactive Date on a Professional Indemnity policy?

      A retroactive date is generally the date from which you have held uninterrupted professional indemnity insurance cover. It is applied to all professional indemnity insurance policies and its purpose is to exclude claims arising from any work undertaken prior to this date shown.

    • How do I make a claim?

      As your Adviser, you will always contact Citycover in the first instance and we will guide you through the claims process as this can vary from insurer to insurer.

    • What does a cost (exclusive) and cost (inclusive) policy mean?

      Cost Exclusive means: The Excess DOES NOT apply to Claims Investigation Costs (defence costs).

      Cost Inclusive means: The Excess APPLIES to Claims Investigation Costs (defence costs).

  • Need Help?

    Our experienced team is ready to answer any questions you have.

      • Over 45 Years of Trust
        Australians have been trusting Citycover with their insurance needs since 1972.
      • 24/7 Emergency Claims Service
        We take the stress away, as we know claims don’t just occur between the hours of 8am to 5pm.
      • Member of Austbrokers
        Top 250 ASX-listed company, better wordings, better governance and better purchasing power.
  • Need to Claim?

    • Our claims process is seamless, market leading and hassle free. You can submit a claim 24/7 online, or alternatively you can phone us during business hours on (07) 3270 1500 or after hours on 0419-710-868. Your dedicated claims specialist will assist you with your claim from start to finish.

    • Find Out More
  • Our Team

    The knowledge and experience of Citycover’s amazing team is widely recognised. We are extremely passionate insurance professionals, who love what we do.

    • Mark Sandow

      Chief Executive Officer

      Stewart Harker


      Daneille Crawford

      Manager - Client Services

      Gayle Herriman

      Manager - Claims Services

      Kerrilyn Olver

      Claims Adviser

      David Kimber

      Senior Insurance Adviser

      Jonathan Hobson

      Senior Insurance Adviser

      Lynette Braddock

      Insurance Adviser

      Paul McGregor

      Insurance Adviser

      Tracy Livesey

      Insurance Adviser

      Liz Walker

      Insurance Adviser (AR 001256865)

      Paul Cotterill

      Insurance Adviser (AR 000442425)

    • We hold a large and diverse insurance portfolio and I can’t recommend too highly the advantages of having an insurance broker like Citycover to help navigate through the intricacies. During our approximately 10 year association they have always been exceptionally helpful and knowledgeable and respond quickly to any questions.

      As a business owner with a diverse insurance portfolio, we try to avoid damage resulting in insurance claims but the fact is, it happens. Our experience with Citycover has been both reassuring and effortless. Helping us keep our business moving with prompt and fair resolutions has been my experience.

      Michael L
      Agribusiness and Earthmoving
      7th November, 2017