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Professional Indemnity insurance for Consultants

Protect your business with our competitive Professional Indemnity insurance for Consultants arranged by Marsh. Choose your level of cover in minutes. Backed by our Marsh broker support when you need it.


What does Professional Indemnity insurance for Consultants cover?

Professional Indemnity insurance may help cover the below, but is not limited to - settlements judgements, investigation costs and defense costs in relation to claims made against a business.

✔ Breach of duty

✔ Breach of privacy or confidentiality

✔ Intellectual property infringement 

✔ Defamation

✔ Lost or damaged documents

✔ Reputation repair

✔ Claims investigation costs

✔ Negligence

Consultants in many industries that can benefit from Professional Indemnity insurance cover.

Whether you’re a web or graphic designer, software and hardware consultant, marketing consultant,

multimedia consultant, recruitment or HR consultant, you are likely to encounter an unhappy customer or even a claim at some point, regardless of your hard work.

And further to this, size doesn’t matter. A sole trader, contractor, consultant or freelance professional can be susceptible to a claim.

Professional Indemnity insurance for SMB consultants covers claims made by clients if your professional advice or recommendations causes financial loss to a third party.

Our online quote can get you covered in minutes so you can get back to what you do best, managing your business.

Studio and gym insurance, two trainers celebrating

What doesnt Professional Indemnity Insurance cover?

  • Existing Circumstances
  • Intentional Damage
  • Contractual obligations
  • Bankruptcy

What kind of consultants does our arranged Professional Indemnity insurance cover?

Marsh specialises in Professional Indemnity insurance for consultants in industries such as:

Graphic Designer

Web Designer

Recruitment Consultants


IT Consultants

HR Consultants

Why purchase Professional Indemnity insurance for small to medium business through Marsh?

Keep it simple: Via our easy online platform, get a quote and coverage for Professional Indemnity in minutes.

Ease of Business: We deliver options quickly to give you more time to get back on with business.

Claims: Our team act on behalf of clients to provide support and proactively guide clients through the claims process. We leverage our dedicated financial lines claims division for expert driven support.

Multifaceted approach: Online when you need it, in person when you need it.

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How much does Professional Indemnity Insurance for consultants cost?

There are a number of different factors that may influence the cost of Professional Indemnity insurance, such as the service provided, company size and revenue. 

Make sure when requesting a quote, that the declared values of the business is accurate so the correct premium and cover for your business can be arranged.

How much can I cover my business for?

Professional Indemnity insurance covers up to $10M

Public Liability insurance covers up to $20M

What are the most common claims for professionals?

Professional Indemnity insurance can help cover you for claims made as part of advice or a service, regardless of when the professional service was provided.
Public Liability insurance may also support your business if you work from an office.

What does “Claims Made” mean?

Claims Made is a term used to describe an insurance policy that covers claims which are notified during the policy term. This may not necessarily be the same period in which the accused incident or error resulting in the claim occurred.

Professional indemnity policies provide a 'claims made' basis of cover because advice or service errors in many professions are often discovered weeks, months or even years after the mistake was made.

For example, if a professional made a service or advice error for a client in 2017, but the client did not discover their loss until 2020, the accused professional's 2020 policy would be the correct policy to respond to any resulting claim. Therefore, a professional indemnity policy or 'run-off' policy must be in place for a claim to be met by an insurer.

It’s also important to note that, if the limit of indemnity was changed, it is the limit purchased when the claim is notified that applies, not the limit purchased when the work was completed.

How can I lodge a claim?

Our team act on behalf of clients to provide support and proactively guide clients through the claims process.

Contact your Marsh representative to assist with lodging a claim.

Got questions?

Contact a Marsh Insurance Broker today.

Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage.

LCPA 22/189

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“MAI”) arrange this insurance and is not the insurer. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). JGS is part of the Marsh group of companies. Any advice in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) which is a related entity of MAI. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions. This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh Advantage Insurance on request.