Small Businesses
Tech Companies
Motor & Fleet

Common industry risks   

Understanding the risks in your industry and how our comprehensive coverage responds to protect your business.

Ellipse

The Risks

Ellipse

Risks Response

Management Liability

A lawyer's practice faces an employee claim, third party complaint, staff theft, or tax audit costs.

Management Liability may respond to employment, statutory, crime, tax audit and inquiry cost claims.

Employment Practices Liability

A staff member alleges unfair dismissal, workplace bullying, harassment or discrimination and pursues a formal claim for compensation.

Employment Practices Liability Insurance may respond to claims arising from alleged unfair dismissal, bullying or discrimination by employees.

Loss of Documents

Client files, court documents or matter records are lost, damaged or mislaid while in your care, resulting in delay and financial loss.

Loss of Documents is a benefit under Professional Indemnity Insurance. It may respond to costs incurred to replace or restore lost documents.

Public Liability

A client slips in your office or boardroom and alleges your business caused their injury or property damage.

Public Liability Insurance may respond to third party injury and property damage claims arising from your business activities.

Professional Indemnity

A missed court deadline or advice error causes a client to suffer financial loss, and a professional negligence claim is made.

Professional Indemnity Insurance may respond to claims of alleged negligence or errors in your professional services, including defence costs.

Management Liability

The Risks

A lawyer's practice faces an employee claim, third party complaint, staff theft, or tax audit costs.

Risks Response

Management Liability may respond to employment, statutory, crime, tax audit and inquiry cost claims.

Employment Practices Liability

The Risks

A staff member alleges unfair dismissal, workplace bullying, harassment or discrimination and pursues a formal claim for compensation.

Risks Response

Employment Practices Liability Insurance may respond to claims arising from alleged unfair dismissal, bullying or discrimination by employees.

Loss of Documents

The Risks

Client files, court documents or matter records are lost, damaged or mislaid while in your care, resulting in delay and financial loss.

Risks Response

Loss of Documents is a benefit under Professional Indemnity Insurance. It may respond to costs incurred to replace or restore lost documents.

Public Liability

The Risks

A client slips in your office or boardroom and alleges your business caused their injury or property damage.

Risks Response

Public Liability Insurance may respond to third party injury and property damage claims arising from your business activities.

Professional Indemnity

The Risks

A missed court deadline or advice error causes a client to suffer financial loss, and a professional negligence claim is made.

Risks Response

Professional Indemnity Insurance may respond to claims of alleged negligence or errors in your professional services, including defence costs.

info icon

Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Limits and sub-limits might apply. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.

70,000+

Businesses

4.9/5

Customer Rating

80+

Insurance Partners

upcover white logo

Businesses covered

Choose from over 1,000+ business types

upcover logo

Products

Coverages for Lawyers

Professional Indemnity, Employment Practices Liability, and more for Lawyers from leading insurers

Professional Indemnity

Covers negligence claims from third parties to help protect your business from professional errors

GET INSTANT QUOTE
TALK TO AN EXPERT
START A QUOTE
Management Liability

Bundled insurance for executives and boards incl D&O, EPL, Statutory Liability and Tax Liability insurance

GET INSTANT QUOTE
TALK TO AN EXPERT
START A QUOTE
Employment Practices Liability

Covers wrongful acts such as unfair dismissal or discrimination by employees or contractors

GET INSTANT QUOTE
TALK TO AN EXPERT
START A QUOTE
Cyber & Technology

Includes Professional Indemnity and Cyber & Technology Liability insurance for tech businesses

GET INSTANT QUOTE
TALK TO AN EXPERT
START A QUOTE
SEE MORE PRODUCTS
upcover logo

Claim examples

Lawyers claim examples

Real-world examples of claims lawyers may face.

Lost Client Documents
SCENARIO

Important client documents are misplaced during a file transfer. The loss delays proceedings and increases legal costs. The client alleges poor file handling and seeks compensation for resulting losses.

WHY IT’S COVERED

Loss of Documents is a benefit commonly included under Professional Indemnity Insurance. It may respond to claims arising from loss or unintentional mishandling of client documents, including defence costs and compensation.

Drafting Error Dispute
SCENARIO

A drafting error in a contract leads to unclear obligations between parties. The dispute escalates to court and the client claims the lawyer’s mistake caused significant legal costs and settlement losses.

WHY IT’S COVERED

Professional Indemnity Insurance is designed to respond to claims arising from alleged errors or omissions in professional documentation or drafting, including defence costs and compensation.

Negligent Legal Advice
SCENARIO

A client follows legal advice provided during a commercial transaction. The advice later proves incorrect, resulting in unexpected tax exposure and financial loss. The client brings a claim alleging professional negligence.

WHY IT’S COVERED

Professional Indemnity policies commonly is designed to cover claims alleging negligence or breach of professional duty arising from legal advice provided.

Missed Deadline Claim
SCENARIO

A lawyer fails to lodge court documents before a statutory deadline. The client loses the right to pursue their matter and alleges the delay caused financial loss, seeking compensation and recovery of legal costs.

WHY IT’S COVERED

Claims arising from errors or omissions in professional services, including missed deadlines, are typically covered under Professional Indemnity insurance.

SCEANRIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

WHY IT'S COVERED

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

Lost Client Documents

SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

WHY IT’S COVERED

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

IS THIS COVERED?

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

SCEANRIO

Important client documents are misplaced during a file transfer. The loss delays proceedings and increases legal costs. The client alleges poor file handling and seeks compensation for resulting losses.

IS THIS COVERED?

Loss of Documents is a benefit commonly included under Professional Indemnity Insurance. It may respond to claims arising from loss or unintentional mishandling of client documents, including defence costs and compensation.

Lost Client Documents
SCEANRIO

A drafting error in a contract leads to unclear obligations between parties. The dispute escalates to court and the client claims the lawyer’s mistake caused significant legal costs and settlement losses.

IS THIS COVERED?

Professional Indemnity Insurance is designed to respond to claims arising from alleged errors or omissions in professional documentation or drafting, including defence costs and compensation.

Drafting Error Dispute
SCEANRIO

A client follows legal advice provided during a commercial transaction. The advice later proves incorrect, resulting in unexpected tax exposure and financial loss. The client brings a claim alleging professional negligence.

IS THIS COVERED?

Professional Indemnity policies commonly is designed to cover claims alleging negligence or breach of professional duty arising from legal advice provided.

Negligent Legal Advice
SCEANRIO

A lawyer fails to lodge court documents before a statutory deadline. The client loses the right to pursue their matter and alleges the delay caused financial loss, seeking compensation and recovery of legal costs.

IS THIS COVERED?

Claims arising from errors or omissions in professional services, including missed deadlines, are typically covered under Professional Indemnity insurance.

Missed Deadline Claim
info icon

Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Limits and sub-limits might apply. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.

upcover white logo

Benefits

Why businesses trust upcover

Get quotes in minutes, adjust your cover as your business evolves, and lean on expert support to help you make confident insurance decisions.

upcover logo

FAQs

Lawyers insurance queries

How do I make a claim?

addminus
You should notify your insurer as soon as you become aware of a claim or circumstance that may give rise to a claim which could include a client complaint, you discovering an incident or an allegation of harm. Claims should be made in writing and handled in line with the claims notification requirements which will be outlined in your policy wording.
Learn More

How do I make a claim?

add

What is a Certificate of Currency?

addminus
A Certificate of Currency is issued by an insurance company and is something you can use as proof that your existing insurance policy is valid. It contains all the information regarding your policy. You may be asked from time to time to prove your insurance - for loans to your business, for landlords of your premises, or for certain clients you might have. The moment you purchase your insurance from upcover you can send your proof of insurance to whoever requires it, at just a click of a button.
Learn More

What is a Certificate of Currency?

add

How quickly do I need to report an incident to my insurer?

addminus
You should notify your insurer as soon as you become aware of any incident, claim, or circumstance that may give rise to a claim. Professional Indemnity insurance typically operates on a "claims made and notified" basis, meaning both the claim must be made against you AND you must notify the insurer during the active insurance period (or discovery period if applicable). Late notification after policy expiry may not be covered unless you have purchased an extended discovery period. Prompt notification is essential to protect your rights under your insurance.
Learn More

How quickly do I need to report an incident to my insurer?

add

What is a retroactive date?

addminus
A retroactive date is the earliest date from which a claim can arise and still be covered under your policy. Professional Indemnity and certain other claims-made policies will only respond to claims arising from acts, errors or omissions that occurred on or after the retroactive date listed in your policy schedule. If an incident occurred before your retroactive date, it typically will not be covered even if the claim is made during the current policy period. Maintaining continuous cover without gaps helps protect your retroactive date — check your policy schedule or ask your broker if you are unsure of your retroactive date.
Learn More

What is a retroactive date?

add

What factors might impact the cost of policy premiums of insurance for lawyer?

addminus
The cost of insurance for lawyer in Australia varies depending on several factors. These typically include the nature and scope of your business activities, annual turnover, number of employees, location, claims history, and the cover limits and the applicable excess. For Commercial Motor cover, insurers also consider vehicle make, model, value, usage and driving history. Where additional covers such as Professional Indemnity or Cyber insurance are relevant to your operations, the services you provide and the sensitivity of data you hold may also affect your premium. Because each business is different, costs can vary significantly and premiums may change at renewal in line with risk and claims experience.
Learn More

What factors might impact the cost of policy premiums of insurance for lawyer?

add
upcover logo

Blogs

From our blog

Get the latest updates on our articles

VIEW MORE
VIEW MORE

We are digitising commercial insurance and risk management for small, mid-market and technology businesses. We work with a global network of underwriters, challenging legacy brokers and delivering market leading coverage to our customers.