Underwriting

Current

See whether we write the occupation, before you spend the hour.

Current stance across every product we write. Search by occupation and filter by sector to see what is covered and what is not.

Current appetite, not an offer of terms

This guide shows Attsure's current appetite for a selection of common occupations. Every submission is still subject to underwriting, and the guide is not an offer of terms, a quote, or a binding indication for any individual risk. If an occupation is not listed, ask us where it sits. We will keep refining the guide with broker input.

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Sector

Product

Hide occupations we do not cover

Covered: In appetite. We write this class today, subject to underwriting on each submission.
Not covered: Out of appetite. Not a class Attsure writes. These risks sit better with a specialist market or scheme.

Management consultants
Professional Services
Professional Indemnity
Covered
IT Liability
Not covered
General Liability
Covered
Accountants & bookkeepers (non-AFSL)
Professional Services
Excludes provision of financial product advice requiring an AFSL.
Professional Indemnity
Covered
IT Liability
Not covered
General Liability
Covered
Recruitment & HR consultants
Professional Services
General recruitment, labour hire and HR consulting sit outside this programme. IT recruitment is written under IT Liability where the work is technology services.
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Not covered
Engineers (design and consulting)
Professional Services
Building certification is out of appetite.
Professional Indemnity
Covered
IT Liability
Not covered
General Liability
Covered
Architects
Professional Services
Professional Indemnity
Covered
IT Liability
Not covered
General Liability
Covered
Software developers & SaaS providers
Technology
Technology work is covered under IT Liability, a standalone product with its own wording.
Professional Indemnity
Not covered
IT Liability
Covered
General Liability
Covered
IT consultants & system integrators
Technology
Technology work is covered under IT Liability, a standalone product with its own wording.
Professional Indemnity
Not covered
IT Liability
Covered
General Liability
Covered
Managed service providers (MSPs)
Technology
Technology work is covered under IT Liability, a standalone product with its own wording.
Professional Indemnity
Not covered
IT Liability
Covered
General Liability
Covered
Website & app development studios
Technology
Technology work is covered under IT Liability, a standalone product with its own wording.
Professional Indemnity
Not covered
IT Liability
Covered
General Liability
Covered
Cybersecurity consultants
Technology
Pen testing, SOC, MDR, internet security providers and similar cyber-focused services are out of appetite.
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Covered
Electricians
Construction & Trades
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Covered
Plumbers
Construction & Trades
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Covered
Carpenters & general trades
Construction & Trades
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Covered
Building consultants & inspectors (non-structural)
Construction & Trades
Building certification, including mandatory and staged inspections, is out of appetite.
Professional Indemnity
Covered
IT Liability
Not covered
General Liability
Covered
Commercial & multi-storey builders
Construction & Trades
Construction risk beyond a residential/light-commercial scope sits outside this MGA's lane.
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Not covered
Physiotherapists
Health & Allied Health
Professional Indemnity
Covered
IT Liability
Not covered
General Liability
Covered
Psychologists & counsellors
Health & Allied Health
Professional Indemnity
Covered
IT Liability
Not covered
General Liability
Covered
Allied health clinics (multi-disciplinary)
Health & Allied Health
Professional Indemnity
Covered
IT Liability
Not covered
General Liability
Covered
Aged care & disability support providers
Health & Allied Health
Professional Indemnity
Covered
IT Liability
Not covered
General Liability
Covered
Medical practitioners & dental practices
Health & Allied Health
Medical malpractice indemnity is outside this MGA's lane and is better placed with a specialist medical indemnity insurer.
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Not covered
Personal trainers (not operating a gym)
Health & Allied Health
Gymnasiums are out of appetite.
Professional Indemnity
Covered
IT Liability
Not covered
General Liability
Covered
Financial planners & advisers (AFSL-regulated advice)
Financial Services
AFSL-regulated personal financial advice is outside this MGA's lane.
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Not covered
Cafes & restaurants
Retail & Hospitality
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Covered
Retail stores (non-food)
Retail & Hospitality
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Covered
Bars & licensed venues
Retail & Hospitality
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Covered
Hairdressers & beauty salons
Retail & Hospitality
Professional Indemnity
Covered
IT Liability
Not covered
General Liability
Covered
Function & event venues
Retail & Hospitality
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Covered
Light manufacturing (non-hazardous goods)
Manufacturing
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Covered
Food & beverage manufacturers
Manufacturing
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Covered
Furniture & joinery manufacturers
Manufacturing
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Covered
Packaging manufacturers
Manufacturing
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Covered
Heavy & hazardous manufacturing (chemicals, explosives)
Manufacturing
Hazardous processing and materials risk is outside this MGA's lane.
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Not covered
Real estate agencies (sales & property management)
Property
Professional Indemnity
Covered
IT Liability
Not covered
General Liability
Covered
Strata & body corporate managers
Property
Professional Indemnity
Covered
IT Liability
Not covered
General Liability
Covered
Property valuers
Property
Property valuation work is out of appetite under Real Estate PI.
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Not covered
Commercial property developers (large scale)
Property
Large-scale development risk is outside this MGA's lane; see also construction exclusions.
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Not covered
Tutoring services
Education
Professional Indemnity
Covered
IT Liability
Not covered
General Liability
Covered
Registered training organisations (RTOs)
Education
Professional Indemnity
Covered
IT Liability
Not covered
General Liability
Covered
Childcare centres
Education
Professional Indemnity
Covered
IT Liability
Not covered
General Liability
Covered
Driving instructors
Education
Professional Indemnity
Covered
IT Liability
Not covered
General Liability
Covered
Online course & e-learning providers
Education
Professional Indemnity
Covered
IT Liability
Covered
General Liability
Covered
Marketing & advertising agencies
Media & Marketing
Professional Indemnity
Covered
IT Liability
Covered
General Liability
Covered
Graphic design studios
Media & Marketing
Professional Indemnity
Covered
IT Liability
Not covered
General Liability
Covered
Public relations consultancies
Media & Marketing
Professional Indemnity
Covered
IT Liability
Not covered
General Liability
Covered
Social media management consultancies
Media & Marketing
Professional Indemnity
Covered
IT Liability
Covered
General Liability
Covered
Photographers & videographers
Media & Marketing
Professional Indemnity
Covered
IT Liability
Not covered
General Liability
Covered
Freight forwarders & logistics brokers
Transport & Logistics
Professional Indemnity
Covered
IT Liability
Not covered
General Liability
Covered
Warehousing & storage operators
Transport & Logistics
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Covered
Courier & delivery services (booking/admin operations)
Transport & Logistics
Owned-fleet motor vehicle liability is not covered under this product and is placed separately.
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Covered
Removalists
Transport & Logistics
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Covered
Aviation & marine logistics operators
Transport & Logistics
Aviation and marine liability sit outside this MGA's lane and require specialist markets.
Professional Indemnity
Not covered
IT Liability
Not covered
General Liability
Not covered

Current appetite by occupation and product
Occupation	Sector	PI, Professional Indemnity	IT, IT Liability	GL, General Liability
Management consultants	Professional Services	Covered	Not covered	Covered
Accountants & bookkeepers (non-AFSL)Excludes provision of financial product advice requiring an AFSL.	Professional Services	Covered	Not covered	Covered
Recruitment & HR consultantsGeneral recruitment, labour hire and HR consulting sit outside this programme. IT recruitment is written under IT Liability where the work is technology services.	Professional Services	Not covered	Not covered	Not covered
Engineers (design and consulting)Building certification is out of appetite.	Professional Services	Covered	Not covered	Covered
Architects	Professional Services	Covered	Not covered	Covered
Software developers & SaaS providersTechnology work is covered under IT Liability, a standalone product with its own wording.	Technology	Not covered	Covered	Covered
IT consultants & system integratorsTechnology work is covered under IT Liability, a standalone product with its own wording.	Technology	Not covered	Covered	Covered
Managed service providers (MSPs)Technology work is covered under IT Liability, a standalone product with its own wording.	Technology	Not covered	Covered	Covered
Website & app development studiosTechnology work is covered under IT Liability, a standalone product with its own wording.	Technology	Not covered	Covered	Covered
Cybersecurity consultantsPen testing, SOC, MDR, internet security providers and similar cyber-focused services are out of appetite.	Technology	Not covered	Not covered	Covered
Electricians	Construction & Trades	Not covered	Not covered	Covered
Plumbers	Construction & Trades	Not covered	Not covered	Covered
Carpenters & general trades	Construction & Trades	Not covered	Not covered	Covered
Building consultants & inspectors (non-structural)Building certification, including mandatory and staged inspections, is out of appetite.	Construction & Trades	Covered	Not covered	Covered
Commercial & multi-storey buildersConstruction risk beyond a residential/light-commercial scope sits outside this MGA's lane.	Construction & Trades	Not covered	Not covered	Not covered
Physiotherapists	Health & Allied Health	Covered	Not covered	Covered
Psychologists & counsellors	Health & Allied Health	Covered	Not covered	Covered
Allied health clinics (multi-disciplinary)	Health & Allied Health	Covered	Not covered	Covered
Aged care & disability support providers	Health & Allied Health	Covered	Not covered	Covered
Medical practitioners & dental practicesMedical malpractice indemnity is outside this MGA's lane and is better placed with a specialist medical indemnity insurer.	Health & Allied Health	Not covered	Not covered	Not covered
Personal trainers (not operating a gym)Gymnasiums are out of appetite.	Health & Allied Health	Covered	Not covered	Covered
Financial planners & advisers (AFSL-regulated advice)AFSL-regulated personal financial advice is outside this MGA's lane.	Financial Services	Not covered	Not covered	Not covered
Cafes & restaurants	Retail & Hospitality	Not covered	Not covered	Covered
Retail stores (non-food)	Retail & Hospitality	Not covered	Not covered	Covered
Bars & licensed venues	Retail & Hospitality	Not covered	Not covered	Covered
Hairdressers & beauty salons	Retail & Hospitality	Covered	Not covered	Covered
Function & event venues	Retail & Hospitality	Not covered	Not covered	Covered
Light manufacturing (non-hazardous goods)	Manufacturing	Not covered	Not covered	Covered
Food & beverage manufacturers	Manufacturing	Not covered	Not covered	Covered
Furniture & joinery manufacturers	Manufacturing	Not covered	Not covered	Covered
Packaging manufacturers	Manufacturing	Not covered	Not covered	Covered
Heavy & hazardous manufacturing (chemicals, explosives)Hazardous processing and materials risk is outside this MGA's lane.	Manufacturing	Not covered	Not covered	Not covered
Real estate agencies (sales & property management)	Property	Covered	Not covered	Covered
Strata & body corporate managers	Property	Covered	Not covered	Covered
Property valuersProperty valuation work is out of appetite under Real Estate PI.	Property	Not covered	Not covered	Not covered
Commercial property developers (large scale)Large-scale development risk is outside this MGA's lane; see also construction exclusions.	Property	Not covered	Not covered	Not covered
Tutoring services	Education	Covered	Not covered	Covered
Registered training organisations (RTOs)	Education	Covered	Not covered	Covered
Childcare centres	Education	Covered	Not covered	Covered
Driving instructors	Education	Covered	Not covered	Covered
Online course & e-learning providers	Education	Covered	Covered	Covered
Marketing & advertising agencies	Media & Marketing	Covered	Covered	Covered
Graphic design studios	Media & Marketing	Covered	Not covered	Covered
Public relations consultancies	Media & Marketing	Covered	Not covered	Covered
Social media management consultancies	Media & Marketing	Covered	Covered	Covered
Photographers & videographers	Media & Marketing	Covered	Not covered	Covered
Freight forwarders & logistics brokers	Transport & Logistics	Covered	Not covered	Covered
Warehousing & storage operators	Transport & Logistics	Not covered	Not covered	Covered
Courier & delivery services (booking/admin operations)Owned-fleet motor vehicle liability is not covered under this product and is placed separately.	Transport & Logistics	Not covered	Not covered	Covered
Removalists	Transport & Logistics	Not covered	Not covered	Covered
Aviation & marine logistics operatorsAviation and marine liability sit outside this MGA's lane and require specialist markets.	Transport & Logistics	Not covered	Not covered	Not covered

Cannot see the occupation you are working on? Ask us where it sits in our appetite. Your feedback shapes this guide.

Request access Contact the team See what we write

Occupation

Sector

Management consultants

Professional Services

Covered

Not covered

Covered

Accountants & bookkeepers (non-AFSL)Excludes provision of financial product advice requiring an AFSL.

Professional Services

Covered

Not covered

Covered

Recruitment & HR consultantsGeneral recruitment, labour hire and HR consulting sit outside this programme. IT recruitment is written under IT Liability where the work is technology services.

Professional Services

Not covered

Engineers (design and consulting)Building certification is out of appetite.

Professional Services

Covered

Not covered

Covered

Architects

Professional Services

Covered

Not covered

Covered

Software developers & SaaS providersTechnology work is covered under IT Liability, a standalone product with its own wording.

Technology

Not covered

Covered

IT consultants & system integratorsTechnology work is covered under IT Liability, a standalone product with its own wording.

Technology

Not covered

Covered

Managed service providers (MSPs)Technology work is covered under IT Liability, a standalone product with its own wording.

Technology

Not covered

Covered

Website & app development studiosTechnology work is covered under IT Liability, a standalone product with its own wording.

Technology

Not covered

Covered

Cybersecurity consultantsPen testing, SOC, MDR, internet security providers and similar cyber-focused services are out of appetite.

Technology

Not covered

Covered

Electricians

Construction & Trades

Not covered

Covered

Plumbers

Construction & Trades

Not covered

Covered

Carpenters & general trades

Construction & Trades

Not covered

Covered

Building consultants & inspectors (non-structural)Building certification, including mandatory and staged inspections, is out of appetite.

Construction & Trades

Covered

Not covered

Covered

Commercial & multi-storey buildersConstruction risk beyond a residential/light-commercial scope sits outside this MGA's lane.

Construction & Trades

Not covered

Physiotherapists

Health & Allied Health

Covered

Not covered

Covered

Psychologists & counsellors

Health & Allied Health

Covered

Not covered

Covered

Allied health clinics (multi-disciplinary)

Health & Allied Health

Covered

Not covered

Covered

Aged care & disability support providers

Health & Allied Health

Covered

Not covered

Covered

Medical practitioners & dental practicesMedical malpractice indemnity is outside this MGA's lane and is better placed with a specialist medical indemnity insurer.

Health & Allied Health

Not covered

Personal trainers (not operating a gym)Gymnasiums are out of appetite.

Health & Allied Health

Covered

Not covered

Covered

Financial planners & advisers (AFSL-regulated advice)AFSL-regulated personal financial advice is outside this MGA's lane.

Financial Services

Not covered

Cafes & restaurants

Retail & Hospitality

Not covered

Covered

Retail stores (non-food)

Retail & Hospitality

Not covered

Covered

Bars & licensed venues

Retail & Hospitality

Not covered

Covered

Hairdressers & beauty salons

Retail & Hospitality

Covered

Not covered

Covered

Function & event venues

Retail & Hospitality

Not covered

Covered

Light manufacturing (non-hazardous goods)

Manufacturing

Not covered

Covered

Food & beverage manufacturers

Manufacturing

Not covered

Covered

Furniture & joinery manufacturers

Manufacturing

Not covered

Covered

Packaging manufacturers

Manufacturing

Not covered

Covered

Heavy & hazardous manufacturing (chemicals, explosives)Hazardous processing and materials risk is outside this MGA's lane.

Manufacturing

Not covered

Real estate agencies (sales & property management)

Property

Covered

Not covered

Covered

Strata & body corporate managers

Property

Covered

Not covered

Covered

Property valuersProperty valuation work is out of appetite under Real Estate PI.

Property

Not covered

Commercial property developers (large scale)Large-scale development risk is outside this MGA's lane; see also construction exclusions.

Property

Not covered

Tutoring services

Education

Covered

Not covered

Covered

Registered training organisations (RTOs)

Education

Covered

Not covered

Covered

Childcare centres

Education

Covered

Not covered

Covered

Driving instructors

Education

Covered

Not covered

Covered

Online course & e-learning providers

Education

Covered

Marketing & advertising agencies

Media & Marketing

Covered

Graphic design studios

Media & Marketing

Covered

Not covered

Covered

Public relations consultancies

Media & Marketing

Covered

Not covered

Covered

Social media management consultancies

Media & Marketing

Covered

Photographers & videographers

Media & Marketing

Covered

Not covered

Covered

Freight forwarders & logistics brokers

Transport & Logistics

Covered

Not covered

Covered

Warehousing & storage operators

Transport & Logistics

Not covered

Covered

Courier & delivery services (booking/admin operations)Owned-fleet motor vehicle liability is not covered under this product and is placed separately.

Transport & Logistics

Not covered

Covered

Removalists

Transport & Logistics

Not covered

Covered

Aviation & marine logistics operatorsAviation and marine liability sit outside this MGA's lane and require specialist markets.

Transport & Logistics

Not covered