What is covered, said so you can tell.

Professional Indemnity, General Liability and IT Liability. The full wording comes with every quote and sits on the platform. The summary beside it says what is in and what is out, so you and your client are not decoding the policy after something has gone wrong.

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01PI

Professional Indemnity

Cover for advice, design and professional work.

Your client sells advice, design or a professional service for a fee. Consultants, agencies, recruiters, and the long tail of miscellaneous professions. If the loss comes from what they told someone to do, this is the class. The wording comes with the quote, so you can show them what is in and what is out before they decide.

Civil liability from the professional work, including breach of professional duty and unintentional confidentiality breach
Defence costs for covered claims
Unintentional defamation and intellectual property infringement
Unintentional Australian Consumer Law breaches tied to the services
Contractual liability where it would have attached anyway, without the contract
Liability for consultants, subcontractors and agents under the insured's supervision and control, where the insured is legally liable
Loss of documents, limited to the cost of restoring or replacing them
Continuous cover where prior PI was held without a break, subject to the wording
Insurance Advisory Service: up to one hour of free legal advice via Martello Law on a matter that may give rise to a claim. The excess does not apply

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02GL

General Liability

Cover for injury and property damage from the business.

Your client has a shopfront, a work site, a product on someone else's shelf, or a van that turns up at other people's premises. Where PI answers for what they said, GL answers for what happened to a person or their property. Hand them the wording with the quote. They should be able to read what is covered without you translating it.

Legal liability for third-party bodily injury or property damage from the business
Premises liability where customers, clients or the public come on site
Products liability for goods supplied, sold or distributed
Completed operations arising from work the insured has finished
Work carried out away from the insured's premises
Tenant's liability for damage to premises occupied but not owned
Defence costs for covered claims
Insurance Advisory Service: up to one hour of free legal advice via Martello Law on a matter that may give rise to a claim. The excess does not apply

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03IT

IT Liability

Cover for technology built, hosted or supported for a client.

Your client builds, integrates, hosts or supports technology for other businesses. Software houses, SaaS companies, IT consultants, MSPs, web and app shops. Its own class, not a miscellaneous PI workaround. The wording and the cover summary sit with the quote, so you and they can see the same picture.

Civil liability from designing, building, integrating, hosting or supporting technology for clients
Defence costs for covered claims
Unintentional intellectual property infringement arising from the IT work
Unintentional breach of confidentiality or privacy arising from the IT work
Loss of or damage to client data from a negligent act, error or omission, subject to policy terms
Vicarious liability for employees and contracted developers, subject to policy terms
Insurance Advisory Service: up to one hour of free legal advice via Martello Law on a matter that may give rise to a claim. The excess does not apply

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The wording governs. The full policy wording comes with every quote and sits on the Attsure platform, so you can hand it to a client before they have to decide. If this page and the wording disagree, the wording wins.

04Appetite

Check whether we write the occupation.

Search a class, see the stance, and refer anything that sits on the line. Pricing happens with you, on the platform.

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