Products

What is covered, said so you can tell.

Specialist professional and liability cover for small to mid-sized Australian businesses, placed through insurance brokers, with monthly or upfront payment on every product for eligible clients.

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01PI

Professional Indemnity

Cover for mistakes in professional work: advice, design or services that cause a client a financial loss.

Who it’s for

Design and engineering firms
Real estate agencies
Allied health practitioners
Accountants and bookkeepers
Miscellaneous professions
Solicitors, for excess cover only: a top-up above the compulsory scheme

What’s covered

Claims that your professional work caused a client a financial loss
Legal defence costs for a covered claim
Unintentional defamation, intellectual property or consumer law breaches tied to your services
Restoring or replacing client documents you have lost
Continuous cover if you have held PI without a break, subject to the wording
Up to one hour of free legal advice from Martello Law on a matter that may become a claim, with no excess to pay

What’s not

Claims or circumstances you knew about before the policy started
Deliberate or dishonest acts
Primary solicitors PI (we only write the excess layer)
Work outside the occupation you declared
Injury or property damage not caused by your professional work (that is General Liability)
Cyber incidents and your own data breach costs
Claims brought in the USA or Canada

Limits and basis of cover

Limit of liability: Confirmed at quote
Excess: Confirmed at quote
Basis of cover: Claims-made
Retroactive date: Shown on the schedule, including unlimited when stated

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02IT

IT Liability

Cover for when the technology you build, integrate or support lets a client down, whether that costs them money or causes injury or property damage. It is its own policy, not part of Professional Indemnity.

Who it’s for

Software houses and SaaS companies
IT consultants
Managed service providers (MSPs)
Web and app studios
Other businesses that build, integrate or support technology for clients

What’s covered

Claims that your IT work caused a client a financial loss
Injury or property damage arising from your IT business
Legal defence costs for a covered claim
Loss of or damage to client data from a mistake in your work, subject to the wording
Unintentional intellectual property, confidentiality or privacy breaches in your IT work
Work done by your employees and contracted developers, subject to the wording
Up to one hour of free legal advice from Martello Law on a matter that may become a claim, with no excess to pay

What’s not

Website hosting, ISP, co-location and internet security services
Pen testing, SOC, MDR and other cyber-focused services
Cyber incident response and your own data breach costs
Performance guarantees, service-level warranties and liquidated damages
Hardware manufacturing defects
Financial product advice that needs an AFSL

Limits and basis of cover

Limit of liability: Confirmed at quote
Excess: Confirmed at quote
Basis of cover: Claims-made for professional liability, occurrence for public and products liability
Retroactive date: Shown on the schedule, including unlimited when stated

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03GL

General Liability

Cover for when someone is injured, or their property is damaged, because of your business. Where PI answers for what you said, GL answers for what happened to a person or their property.

Who it’s for

Shops, showrooms and other premises the public visits
Businesses running a work site
Businesses whose products sit on someone else’s shelf
Trades and services that work at other people’s premises

What’s covered

Injury to other people, or damage to their property, caused by your business
Customers and visitors on your premises
Products you sell, supply or distribute
Work you have finished (completed operations)
Work you do away from your own premises
Damage to premises you rent but do not own
Legal defence costs for a covered claim

Optional extras

Errors and omissions cover for professional advice
Product recall expenses

What’s not

Professional advice, unless you add the optional errors and omissions cover
Injury to your own workers (that sits with workers’ compensation)
Motor vehicle liability that sits with CTP or motor insurance
Cyber and data breach liability
Aviation and marine liability
Asbestos and gradual pollution

Limits and basis of cover

Limit of liability: Confirmed at quote
Products liability: Confirmed at quote
Excess: Confirmed at quote
Basis of cover: Occurrence

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The wording governs. This page is a summary. If it and the policy wording disagree, the wording wins. Cover is subject to the terms, conditions, limits and exclusions of the policy wording.

04Appetite

Check whether we write the occupation.

Filter by sector and product to see whether we cover an occupation before you prepare a submission.

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