Professional indemnity insurance

Key benefits
Clear policy wordings in line with the latest legislation
Clarity is key – particularly around changing or new legislation in a complex regulatory environment. We work hard to ensure our policies remain relevant, and your clients stay protected.
Customisable cover
Our products can be tailored to suit your client's needs.
With our diverse range of expertise, we have the flexibility to cover a wide range of risks, including many bespoke risks. If you have a hard-to-place risk, we have the expertise and experience to assist in finding a solution.
Governing body accredited
DUAL policies meet the defined standards of many professional bodies. [EITHER LIST A FEW OR GIVE LOCAL EXAMPLES??]
AA capacity
All DUAL binders are backed by trusted capacity providers with solid underlying financials. See more about our insurer partners.
Primary and excess layer coverage
Equally comfortable leading or following, DUAL can augment your existing strategy or develop bespoke solutions around client needs.
Quality claims handling
In a crisis, insureds need experienced lawyers with a proven track record for claims handling. Fast, efficient, and fair, claims are handled in-house, with local expertise across our 30+ associate offices.

Coverage options
Our broad civil liability wording provides the following protection:
- Legal defence fees, costs, and expenses
- Payment of compensation
- Official investigation costs, including attendance at investigations
- Mitigation costs
This can include:
- Exclusive of costs limit
- Automatic reinstatement
- Advancement of defence costs
- Consultants, subcontractors, and agents
- Continuous cover
- Crime (first and third party)
- Emergency costs inc. PR and reputational expenses
- Loss of data
- Statutory liability
- Collateral warranty service
Beyond the typical PI policy, optional extensions include:
- Contractual liability
- Whistleblower hotline
- Loss mitigation and rectification
- Employment practice liability insurance
- Insolvency risks
- Excess of loss
Policy limits available
Up to $5m
sum insured
$3000
minimum premium
Retail or wholesale
available to retail and wholesale brokerages
Risk appetite
We have a broad appetite across a wide range of occupations. We’ll consider the risks of sole practitioners, SMEs and larger practices, and non-traditional professions.
Current insureds include
Accountants
Solicitors
Architects
Financial services
Insurance brokers
Civil and structural engineers
Design and construct
Estate agents
Consultants
Associations
Selective risks
Corporate advisory services
Underground utility contractors
Equipment inspection
Electrical contractors
Call centres
Dangerous goods consultants
Engineers involved in offshore and marine work
Engineers involved in mining work
Cladding contractors
Chemical engineers
Insolvency practitioners
Outside our appetite
Financial planners
Property developers
Pre-purchase building inspectors
Valuers
Why choose DUAL?
Built for speed
When time is tight, speak to us. Our flat hierarchies and streamlined processes allow for fast decisions.
Focussed on your needs
We won’t sell to you, we’ll solve with you.
Quality claims handling
Fast, efficient and fair – we design our claims processes to make life as easy as possible for you.
All about service
As an independent business, always thinking long term, everyone is committed to great service. Give us a try and see for yourself.
Underwriting requirements
We’ll need information on the organisation, its board and management, and its legal and claims history. Our submission requirements are:
- Professional liability application
- Prior cover details
- Five-year loss runs summary
- Sample contract
- CVs/resumes
- Financials