No items found.
Secure your business against claims for breach of advice or service to your clients.
800+ professions covered across Australia!
Freelancers, consultants or established firms, if you provide advice or service in Australia, this cover is for you.
We protect your business against claims arising from alleged or actual negligence, errors or omissions in the professional service or advice you provide.
If you fail to meet the professional standards or obligations expected in your role.
Unintentional breach of copyright, trademark, design or patent rights.
Claims of libel or slander connected to your professional activities.
If client documents or data in your care are lost, damaged or destroyed.
Costs associated with investigating, defending or settling claims.
Public relations expenses to manage negative publicity from a claim.
We’re comprehensive, but not limitless. Your cover depends on the terms, conditions and exclusions in your policy wording.
Claims or issues known prior to policy start
Deliberate acts, fraud, or criminal behaviour
Costs from contractual obligations you have accepted
Refunding fees you have already received
Fines or penalties due to illegal acts
Strengthen your protection by combining Professional Indemnity with other key covers.
Protection if your business activities cause injury to a third party or damage to their property.
Cover if a product you supply causes injury or property damage after it has been distributed or sold.
Provides financial support if illness or injury prevents you from working for a period of time.
Coming Soon
Helps protect your business from losses and costs associated with cyber incidents or data breaches.
Coming Soon
The average cost of Professional Indemnity (PI) insurance in Australia is around $3,000[1]; however, small businesses pay less than the average as their Professional Indemnity risk is lower. With Sami, cover starts at $3* per week (approximately $150 per year). Note that premiums vary depending on your occupation, turnover and level of cover. We tailor pricing to reflect your actual business exposure, which is one of the ways we are able to keep our premiums low.
[1] Source: NCPD analysis - Review of claims trends and affordability of Public Liability and Professional Indemnity Insurance in Australia. Published 10/5/23 (figures for 2021 were used).
Higher annual revenue can increase risk exposure, which may affect your premium.
Larger teams and expanding operations can increase your exposure, which may influence the cost of cover.
The level of cover you select (e.g. $1M, $2M, $5M, $10M) directly impacts the cost of your policy.
Different professions carry different risk levels based on the work you do and the clients you serve.
“Our pricing is based on your profession and risk profile, not a one-size-fits-all rate.”
Receive a quote, get covered and make a claim – all through our online platform.
We issue and email your Certificate of Currency (CoC) as soon as your cover is activated, giving your clients assurance that your business is properly insured.
Quote received in real-time. No waiting.
Business insurance can feel confusing; here’s the simple way to look at it. Professional Indemnity is for financial loss linked to your advice or service. Public & Product Liability is for injury or property damage caused by your business.
Protects against claims for financial loss arising from your professional advice or service.
Errors or omissions in your work
Breach of professional duty
Intellectual property infringement
Alleged negligence in your advice
Covers claims involving physical injury or property damage caused by your business activities or products.
Third-party bodily injury
Accidental damage to client property
Incidents at your workplace or job site involving third parties
Injury or damage caused by products you supply
Businesses face different types of risk every day, and one policy cannot respond to every situation your business may encounter.
Advice-related claims and physical incidents are distinct risks, so relying on just one type of cover may leave gaps you didn’t expect.
That’s why many businesses choose to hold both. They combine policies to provide broader protection that aligns with how they actually operate.
Because getting covered shouldn’t be complicated. We deliver occupation-specific Professional Indemnity cover through a fast, fully online process, with transparent pricing, flexible limits and support when you need it.
Everything you need to know about Professional Indemnity cover, eligibility and claims.
Practical guides and insights to help you understand Professional Indemnity (PI) requirements, manage risk and respond to claims with clarity.