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Professional risks

Cover your business and yourself from liabilities arising from your professional services or the management of your business

Protection for professional risks

CGU Professional Risks is one of Australia’s longest continuous providers of Professional Indemnity, Directors & Officers and Management Liability insurance.

We offer specialised and tailored insurance solutions across a wide variety of industries and professions, and our policies and whole life cycle claims service means we can provide our customers outstanding protection.

Also, with our experienced and qualified claims and underwriting teams we can effectively service and appropriately address our customers’ business-specific needs.

Our professional risks insurance products can protect you from bearing the full cost of claims and disputes, and from the time and resources they consume. The threat of claims and litigation is very real and can potentially bankrupt businesses, small or large. It may seem like a distant possibility, but legal action often arises from unforeseen events to completely disrupt businesses.

Types of professional risks products and cover

  • Management Liability

    Management Liability insurance protects directors, officers, employees and the company itself from the many exposures relating to the management and operation of a business. Anyone who owns or is involved in the management of a business carries specific responsibilities which may leave them personally liable for any actual or alleged wrongful act. Find out more about Management Liability insurance sold through insurance advisers.

  • Professional Indemnity

    Provides you and your business with comprehensive protection against claims for financial loss, bodily/personal injury or property damage arising from an act, error or omission in the provision of professional services covered by the policy. Find out more about Professional Indemnity insurance sold through insurance advisers.

  • Directors and Officers Liability

    Company directors, officers and employees can face personal liability claims as a result of their actions and activities carried out in their role, regardless of whether they are acting in a part-time, honorary or non-executive capacity. Directors and Officers Liability insurance protects you against these claims. Find out more about Directors and Officers Liability insurance sold through insurance advisers.

  • Superannuation Trustees Liability

    This cover is tailored to the complex risks face by Australian trustees and is designed to protect their personal assets from claims arising from wrongful acts. Find out more about Superannuation Trustees Liability insurance sold through insurance advisers.

  • Associations and Non-Profits Liability

    Protects both the not-for-profit organisation and its directors, officers and employees against the risk of litigation arising from the provision of professional services and any actual or alleged wrongful acts in the management and operation of a business. CGU’s Association and Not-For-Profits Liability policy comes with two hours of free legal advice, giving you access to counsel from our expert panel of lawyers. Find out more about Associations and Non-Profits Liability insurance sold through insurance advisers.

  • Employment Practices Liability

    This cover is designed to help employers minimise the risk and potential costs of claims made against them by employees. This may be related to things such as alleged discrimination, unfair dismissal or workplace harassment. Find out more about Employment Practices Liability insurance sold through insurance advisers.

  • Information and Communication Technology Liability (ICT)

    Cover is tailored to the specific risks faced by ICT businesses, this insurance combines Professional Indemnity and Broadform (Public and Products) Liability. Tailored insurance for certain IT professionals is available directly from CGU for small businesses, or through an insurance broker for larger or more complex businesses. Find out more about Information and Communication Technology Liability insurance sold through insurance advisers.

  • Medical Malpractice

    Protects both professionals and establishments in the fields of medical and allied health from claims for financial loss, bodily injury or property damage arising from acts, errors or omissions in the provision of health care services. Find out more about Medical Malpractice insurance sold through insurance advisers.

  • Multimedia Liability

    Protects organisations in the media, marketing and advertising industries against claims arising from the provision of Multimedia Services. Examples of Multimedia Liability claims include: breaches of duty, defamation, breach of copyright, false attribution of authorship (and other infringements of intellectual property) and invasion of privacy. Find out more about Multimedia Liability insurance sold through insurance advisers.

Why choose CGU Professional Risks?

  • Experience counts

    CGU is one of Australia’s oldest and largest providers of Professional Risks insurance, including Professional Indemnity, Management Liability and Directors and Officers insurance.
  • Trusted by thousands of professionals

    CGU is a leading professional risks insurer, providing professional indemnity insurance for approximately 40,000 Australian businesses or individuals.
  • Tailored cover

    Our Professional Risks experts offer tailored cover for a wide variety of industries and professions.
  • Claims expertise

    Professional risks claims are complex, so you can rest assured knowing that over the past 27+ years we have managed over 42,000 professional indemnity claims for our policy holders.

Speak with a business insurance specialist

Our team of friendly business insurance specialists can help you understand what covers are available for your business.

 

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