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Professional Indemnity and General Liability Insurance

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✔ What's covered

Professional Indemnity

Protects your company against civil liability for compensation & costs arising from any claim made during the policy period arising out of a breach of professional duty.

Limit of Indemnity

Choice of Limits of between AUD $250,000 and AUD $10,000,000 any one claim and in all including cost & expenses plus an automatic reinstatement.

Territorial Limits

Commonwealth of Australia

Governing Law and Jurisdiction

The law of Australia shall govern this Policy and the parties agree to the exclusive jurisdiction of competent courts in the Commonwealth of Australia with respect of any dispute or difference arising.

Automatic Extensions
  1. Negligence or Breach of Duty of Care
  2. Negligent Misstatement or Negligent Misrepresentation
  3. Infringement of Intellectual Property Rights including copyright, patent, registered design right or breach or misuse of confidential information
  4. Defamation, Libel & Slander
  5. Loss of or damage to Documents
  6. Present or Former Principals & Employees
  7. Appointed Sub-Consultants
  8. Project & Construction Managers Extension (see policy wording)
  9. Dishonesty of any employee, but excluding any Claim resulting from the dishonest, fraudulent, criminal or malicious acts or omissions committed after the Insured discovered, or could reasonably have discovered or suspected, improper conduct by the employee. No indemnity will be provided to any person committing or condoning any dishonest, fraudulent, malicious or criminal acts or omissions.
Excess

NIL each and every claim costs exclusive.

Conditions

As per Policy Wording.

Exclusions
  1. Previously known claims or circumstances
  2. Trading Losses and Insolvency
  3. Fines, Penalties & Damages
  4. Nuclear Risks
  5. War & Terrorism
  6. USA & Canada
  7. Loss of Magnetic or Electrical Media
  8. Directors & Officers Liability
  9. Fraud, Dishonesty or Criminal Act
  10. Investment Advice
General Liability

Provides your company with protection against Injury and/or Damage occurring in connection with the Business during the Period of Insurance and within the Territorial Limits.

Limit of Indemnity

Choice of Limits of between AUD $5,000,000 and AUD $20,000,000 any one Occurrence or series of Occurrences arising out of any one cause and in all during the Period of Insurance.

Territorial Limits

Commonwealth of Australia.

Governing Law and Jurisdiction

The law of Australia shall govern this Policy and the parties agree to the exclusive jurisdiction of competent courts in the Commonwealth of Australia with respect of any dispute or difference arising.

Cover
  1. Bodily Injury
  2. Damage to Property
Excess

AUD $250 each & every claim, including costs & expenses.

Conditions

As per Policy Wording.

Exclusions
  1. Internet Operations
  2. Construction Activities
  3. Aircraft, Hovercraft or watercraft
  4. Faulty Workmanship
  5. Product Defect
  6. Pollution
  7. Fines, Penalties & Damages
  8. Nuclear Risks
  9. USA & Canada
  10. Loss of Magnetic or Electrical Media
  11. War and Terrorism
  12. Contractual Liability
  13. Harassment or Sexual or Child Molestation

    14. For full policy terms, conditions and exclusions, please refer to the policy wording.