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Key risks
Understanding the risks in your industry and how our comprehensive coverage responds to protect your business.
A consulting firm faces unfair dismissal, staff fraud, compliance inquiry, or tax audit costs in AU.
Management Liability may respond to employment, statutory, crime, tax audit and inquiry cost claims.
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.
Compromised email or cloud files expose client data and trigger response costs, regulatory obligations and legal claims.
Cyber Insurance may respond to breach response costs, legal expenses, damages and regulatory penalties arising from a data breach.
A client or visitor trips in your office or at a workshop and alleges injury and resulting financial loss.
Public Liability Insurance may respond to third party injury and property damage claims arising from your business activities.
Advice provided in a process or compliance review leads a client to allege financial loss and make a formal claim.
Professional Indemnity Insurance may respond to claims of alleged negligence or errors in your professional services, including defence costs.
A consulting firm faces unfair dismissal, staff fraud, compliance inquiry, or tax audit costs in AU.
Management Liability may respond to employment, statutory, crime, tax audit and inquiry cost claims.
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.
Compromised email or cloud files expose client data and trigger response costs, regulatory obligations and legal claims.
Cyber Insurance may respond to breach response costs, legal expenses, damages and regulatory penalties arising from a data breach.
A client or visitor trips in your office or at a workshop and alleges injury and resulting financial loss.
Public Liability Insurance may respond to third party injury and property damage claims arising from your business activities.
Advice provided in a process or compliance review leads a client to allege financial loss and make a formal claim.
Professional Indemnity Insurance may respond to claims of alleged negligence or errors in your professional services, including defence costs.
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.
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Public & Products Liability, Professional Indemnity, and more for Consulting Services from leading insurers
Claims examples
A few common situations, explained simply, so you know what claims can look like.
A marketing consultant writes a campaign case study. A competitor alleges it contains false claims that harm their reputation. They demand the content be taken down and seek damages, saying the publication was defamatory.
Professional Indemnity Insurance may respond to claims arising from alleged unintentional defamation, libel or slander in the course of providing professional marketing services, including defence costs and compensation.
A client says the deliverables do not match the agreed scope, and that errors in your report made them redo the work. They demand you refund your fee and cover the cost of rework, plus legal costs to recover their loss.
Professional Indemnity Insurance is designed to respond to claims arising from alleged errors or omissions in your professional services, including defence costs and compensation.
A project plan slips after key tasks are missed. The client’s launch is delayed and they pay extra staff and supplier costs. They claim you failed to manage the work with reasonable care and ask you to pay their extra costs.
Professional Indemnity insurance is designed to respond to claims arising from alleged negligence, errors or omissions in your professional services, including defence costs and compensation.
A consultant recommends a pricing change. The client follows it, then sales drop and they lose a key contract. They claim the advice was wrong and seek compensation for the financial loss, plus the cost of getting new advice and legal fees.
Professional Indemnity insurance is designed to respond to claims arising from alleged negligence, errors or omissions in your professional services, including defence costs and compensation.
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
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.
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
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.
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
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.
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.
Benefits
Get quotes in minutes, adjust your cover as your business evolves, and lean on expert support to help you make confident insurance decisions.
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