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Key risks
Understanding the risks in your industry and how our comprehensive coverage responds to protect your business.
A legal practice faces an employment dispute, trust account inquiry, staff theft, or ATO audit cost.
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.
Client files, legal documents or project 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.
A client or visitor slips in your office 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.
A missed filing date or drafting 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.
A legal practice faces an employment dispute, trust account inquiry, staff theft, or ATO audit cost.
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.
Client files, legal documents or project 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.
A client or visitor slips in your office 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.
A missed filing date or drafting 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.
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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Professional Indemnity, Employment Practices Liability, and more for Legal Services from leading insurers
Claims examples
A few common situations, explained simply, so you know what claims can look like.
During a heated dispute, a letter to the other side alleges dishonest conduct. The recipient hires lawyers and starts proceedings against your practice for defamation. You must respond, instruct defence lawyers and manage reputational fallout.
Professional Indemnity Insurance may respond to claims arising from alleged unintentional defamation, libel or slander in the course of providing professional services, including defence costs and compensation.
A will and signed transfer paperwork are misplaced after being scanned. The matter is delayed, the client complains and you pay to locate records, re-draft documents and arrange new signatures so the file can be completed.
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.
A client says they relied on your advice in a contract review, but a key risk was not flagged. After a dispute, they claim your work caused them financial loss and demand you pay their damages plus their costs to fix the issue.
Professional Indemnity Insurance can respond to a Claim for breach of professional duty, plus Defence Costs, subject to terms and limits.
A small law firm misses a limitation date on a personal injury matter. The client loses the right to bring the claim and alleges negligence. They seek compensation for the lost settlement value and the legal costs they already paid.
Professional Indemnity insurance designed to cover civil liability for breach of professional duty, plus Defence Costs, subject to limits.
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
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