Get professional indemnity insurance arranged by local brokers who read the fine print for you. Sonia and Kallia compare PI cover for Toowoomba professionals and match it to your work, your contracts and your licence.
Toowoomba office, 5 Russell Street | CAR No. 1294123, Metrix Connect AFSL No. 525491 | Award-recognised local brokers
When a client claims your advice, design or service cost them money, the wording of your professional indemnity policy decides what happens next. Sonia and Kallia look at that wording before you buy, so you know what you’re covered for, what you’re not, and whether your limit meets your contracts.
Depending on your policy, PI insurance can pay your legal defence costs and any compensation you owe. It’s separate from public liability insurance, which covers injury and property damage, and most businesses that give advice need both. As brokers, we work for you, not the insurer.
If you already have cover, request a free professional indemnity policy review.
Every policy is different. Depending on the insurer and your profession, we can arrange cover for:
claims from clients or third parties arising from your professional work, including negligence, errors and omissions.
lawyers and experts to defend a claim, even one without merit.
defending an inquiry by a regulator or professional body into your conduct.
amounts you're legally liable to pay a client.
direct financial loss caused by a dishonest or fraudulent employee, first discovered during the policy period.
some costs and expenses paid during a claim, rather than at the end.
If you earn a fee for advice, design or professional services, we can arrange PI cover that suits the way you work. That includes:
For trades, PI often sits alongside insurance for builders, insurance for electricians or tradies insurance.
Some Queensland licences make PI compulsory, including several QBCC licence classes and registration with AHPRA. Tell us your licence or professional body and we’ll look for cover that meets its requirements.
Sole traders, this matters for you too. Without a company structure, a claim is made against you personally.
Gaps in PI cover often show up at claim time, when it’s too late to fix them. Send us your current policy and we can look at:
Your Product Disclosure Statement (PDS) lists the full exclusions. Sonia or Kallia can walk you through them before you renew.
Your PI premium depends on your profession, your annual fees or turnover, the limit of cover you need, your claims history and where your clients are based. We compare options from insurers and explain the differences in plain English, so you’re not choosing on price alone.
To see what using a broker costs, read about insurance broker costs in Toowoomba, or call 07 4588 8876 for a quote.
Say a Toowoomba building designer draws up plans for a home extension. A measurement error means the footings don’t suit the site, and the owner claims the cost of rework and delays from the designer.
Depending on the policy wording, PI insurance can help pay the designer’s legal costs and any compensation owed, up to the policy limit. If something like this happens, call us early. Most PI policies require you to tell the insurer as soon as you’re aware of a possible claim, and we can help you with the insurance claim.
All Star Brokers is an insurance broker in Toowoomba, family owned and operated from 5 Russell Street. You deal directly with the brokers who handle your cover, Sonia Christou and Kallia Koronaiou. We look at what you do, who you work for and what your contracts require, then find PI cover that fits your business.
PI cover often sits alongside other policies. Company directors may also need management liability insurance, businesses holding client data should look at cyber insurance, and your office and equipment can be covered under business insurance in Toowoomba.
Call 07 4588 8876 or claim a free quote. Already have cover? Send us your policy and we’ll check your limit, retroactive date and exclusions.
It depends on your profession. It’s compulsory for AHPRA-registered health practitioners, solicitors, financial advisers, registered tax agents and some QBCC licence classes. For most other professionals it isn’t required by law, but clients and contracts often ask for it before work starts. Check your professional body’s rules, or ask us.
Professional indemnity covers financial loss a client suffers because of your advice, design or professional service. Public liability covers injury to people or damage to their property caused by your business. They protect against different risks, so many businesses that give advice and work on site need both.
If you’re paid for advice or professional services, yes, it’s worth having. As a sole trader there’s no company between you and a claim, so your personal assets, including your home, could be at risk. Many clients also ask sole traders for a certificate of currency before work starts.
Often, yes. Most PI policies are claims-made, so cover must be in place when a claim arrives, not when the work was done. Claims about old work can come years later. Run-off cover protects you after you retire, close or sell the business.
Usually not. Professional indemnity covers claims that your professional work caused a client a loss. Losses from hacking, data breaches or ransomware are usually covered by a separate cyber insurance policy. If you hold client data, it’s worth reviewing both covers together.
It is important to review and consider the Product Disclosure Statement (PDS) for full details on coverage.
