products

Professional Indemnity

Protecting your assets and brand if your advice causes a client to take legal action against you.

Professional Indemnity info featured image

Who should consider Professional Indemnity protection?

Regardless of your legal obligation, it's often a customer requirement that you have this cover in place.

Professional indemnity insurance is mandatory in some industries, such as medicine, accounting, law and financial advisers.

It's recommended for anyone who is providing professional services or advice in exchange for a fee - like, graphic designers, IT consultants and more.

Who should consider Business Interruption protection?

mode_heat

If your business suffered an unexpected disruption such as fire, flood or storm - how long would it take to get up and running again?

receipt

For most business owners, there are ongoing expenses that you need to pay even if you're not generating revenue.

finance

Business interruption insurance can get you through a temporary crisis by protecting your cashflow - so you can pay these expenses and help ensure the future of your business.

What can it cover?

As a wide-ranging insurance solution, professional indemnity cover may include anything from accidents to errors and omissions. Depending on your policy, professional indemnity insurance can cover

Civil Liability

Civil liability to a third party arising out of the conduct of their professional business.

Inquiry costs

The cost of defending an inquiry by a regulatory body into the professional conduct of the insured.

Defence costs

Funds the legal costs of defending claims.

Fidelity cover

Direct financial loss of the business caused by the dishonest or fraudulent conduct of an employee which is first discovered during the period of insurance.

Advancement of costs and expenses

Additional costs and expenses incurred during a claim.

Advice when it matters. Advocacy when it counts.

Case Study

Scenario: Michael is an engineer who designs the supporting foundations of a residential property. He makes an error with the site calculations - which leads to the slab cracking and damage to the property of the owner. His company is liable for this loss, which could be anywhere between $150,000 up to the full value of the house.

Outcome: Because Michael has professional indemnity insurance, he's covered for this amount - as well as any legal expenses if the matter goes to court.

*Disclaimer: The information contained in this case study is used only for the purpose of illustration. Individual circumstances, insurance and coverage may vary.

FAQs

Clear answers to help you understand our insurance solutions quickly and confidently

What can I expect from a Gow-Gates broker?

You’ll work directly with experienced brokers who take the time to understand your risk, challenge assumptions, and give advice that stands up when tested. We don’t disappear after placement. We stay accountable through claims, renewals, and change.

Do you work with businesses of all sizes?

We support a wide range of organisations, from growing businesses to complex national entities. Regardless of size, our approach remains the same: senior involvement, considered advice, and accountability for outcomes.

Which insurers do you work with?

We work with more than 150 Australian and international insurers. But our role isn’t to compare quotes, it’s to structure the right insurance program and negotiate outcomes on your behalf. We advocate for you in the market, not the other way around.

What happens if I need to make a claim?

Claims are where brokers prove their value. We manage the process end‑to‑end, challenge insurers where needed, and stay involved until resolution. You deal with the same team who advised you upfront, because accountability doesn’t stop when a premium is paid.

How do you approach insurance advice?

Insurance is a tool, not a product. Our advice starts with understanding your business, identifying where risk genuinely sits, and designing cover that reflects reality, not boilerplate policy wordings. That approach leads to better decisions and fewer surprises at claim time.

Let’s Connect

Thank you for your submission!

Oops! Something went wrong while submitting the form.