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Professional Risks

If you operate a business as a professional, you may be at risk from legal action bought against you from clients, employees, minority shareholders, regulators, creditors, suppliers, environmental groups and members of the public.

While PI Insurance has traditionally been taken by professionals such as accountants, architects, engineers & lawyers, if you are in a position to be providing advice, you really do have an exposure. With an incredible breadth of diversity in underwriters and security being utilised (inc. Lloyds of London), we have the ability to protect your interests, no matter which field you practice in!

Management Liability
If you are involved in the management of a business, are you protected as a Director of Officer of that Company?

Whilst Management Liability is a relatively new type of cover available to the Australian Market, it has brought together a number of tried-and-tested covers into one convenient policy form. Covers available include:

• Director’s & Officers Liability – provides protection for the directors & officers against allegations of mismanagement.

• Employment Practices Liability – provides cover against allegations of discrimination, harassment, breach of contract etc from past, present and future employees.

• Crime – very broad cover, which can include protection against employee theft, computer fraud, EFT fraud, Counterfeit currency and many other situations.

• Internet Liability - provides cover against allegations of libel, slander, breach of trademark & copyright infringement relating to the company website(s).

• Trustee’s Liability – includes cover against the mismanagement of a fund, imprudent investment choice, improper disclosure & advice etc.

• Kidnap, Ransom & Extortion – provides cover in the event of a crisis, which is when you need it most!

• Statutory Liability – provides cover in the event of fines & penalties being applied to the cover holder, for unintentional breaches of ANY act.

With extremely competitive policies becoming available, there has never been a better time to protect the interests of yourself and your company.

Information & Communication Technology (IC&T) Liability
With technology forming such an important part of our lives, the exposures of IC&T professionals has never been greater.

With our increasing reliance on technology, claims are becoming more prevalent for failure of proposed solutions, breach of intellectual property loss of data/documentation and breach of contract. The risk has never been greater for IC&T professionals, and having the correct insurance protection is paramount.

Utilising a broad range of local and international underwriting security, we are able to align your business with the cover best suited to your needs. Our IC&T Protection policies all conveniently package your Public & Products Liability & Professional Indemnity Insurances, to ensure that there are no gaps in the cover provided.

You may think that a claim made against your Company, you as a Director, or your Senior Managers has no foundation to succeed at law, but the reality is that the legal defence costs can have severe financial implications to your business!