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indemnity insurance NorcrestProfessional indemnity insurance is designed for professionals who provide advice or services to their customers.

The policy protects your business against legal costs and claims by third parties for damages arising from acts, omissions or breaches of professional duty in the course of your business.



FAQ's about Professional Indemnity Insurance

DO YOU GIVE ADVICE?  What does it Cover?

Professional Indemnity protects you against legal costs and claims for damages to third parties which may arise out of an act, omission or breach of professional duty in the course of your business.

Cyber Extension cover is available within the PI product for protection against hack attacks and extortion. Ask us for the details.

These optional extensions are available should you need same. Just ask us and we can quote these extension covers for you at the same time we quote you the standard cover.

Levels available range between $250,000 and $10 million.

When an excess is described as “Costs Exclusive”, then the excess will only apply to the actual settlement of a claim as opposed to a “Costs Inclusive” excess which means the excess applies to both the legal costs and the settlement and is paid initially.

The benefit of a “Costs Exclusive” excess is in the timing… gets paid at the time of settlement. Should the claim be successfully defended and there is no settlement then no excess is then payable normally.

If the Sum Insured is exhausted by Loss or Claims the sum insured is reinstated once only during the policy term. It is possible to reinstate more than once for an extra cost and dependent on the profession the Insurers may quote multiple reinstatements. Ask us and we will explore the possibilities for you.

Yes we have wordings for Accountants, Consultants etc. Ask us if you have special needs.


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Thomas Insurance Brokers
48A King William Road
Goodwood, Adelaide SA 5034
P: +61 8 8212 7100