Products

Pacific Indemnity’s efficient and quality service comes from our focus on professional and related risk insurance policies. Our specialist insurance portfolio includes:

Professional Indemnity

Pacific Indemnity Product

Persons and companies who provide advice or service of a specialised nature, whether for a fee or not, are required by law to provide that service or advice with due care and skill so as not to cause their client or a third party loss, damage or injury. If they do cause loss damage or injury then the aggrieved client or third party may make a claim to recover or be indemnified for that loss, damage or injury.
Professional indemnity insurance provides cover to pay any such claims on behalf of the insured. In addition, the insurance will provide cover for legal and other costs incurred in investigating and defending such claims.

This product is ideal for:

  • Accounting and Financial services professionals
  • Health care service professionals and institutions
  • Legal service professionals
  • Real Estate and Property professionals
  • Agricultural, Horticultural and veterinary Services professionals
  • Education services professionals
  • Insurance services professionals
  • Architectural, Engineering and Surveying services professionals
  • Information and computer technology professionals
  • All other professional service professionals

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Health Care Malpractice Cover

Pacific Indemnity Product

Health care practitioners and institutions have a legal duty to provide the health care services they offer with due care and skill so as not to cause their patient, damage or injury. If they do cause damage or injury then the aggrieved patient may make a claim to recover for that damage or injury.
Health Care malpractice insurance is a specialised professional indemnity policy that provides cover to pay any such claims on behalf of the insured. In addition, the insurance will provide cover for legal and other costs incurred in investigating and defending such claims.

Information & Communication Technology Combined Liability Cover

Pacific Indemnity Product

Persons and companies who provide specialist Information and Communication Technology advice or services are required by law to provide those services or advice with due care and skill so as not to cause their client or a third party loss, damage or injury. If they do cause loss damage or injury then the aggrieved client or third party may make a claim to recover or be indemnified for that loss, damage or injury.
Information and Communication Technology insurance is a specialised professional indemnity insurance policy that provides cover to pay any such claims on behalf of the insured. In addition, the insurance will provide cover for legal and other costs incurred in investigating and defending such claims

Construction Professionals Professional Indemnity Cover

Pacific Indemnity Product

Construction Professionals and companies who provide professional services or advice are required by law to provide those services or advice with due care and skill so as not to cause their client or a third party loss, damage or injury. If they do cause loss damage or injury then the aggrieved client or third party may make a claim to recover or be indemnified for that loss, damage or injury.
We offer a specialist professional indemnity policy which is tailored for construction professionals such as architects, engineers and surveyors. This policy provides cover to pay any such claims on behalf of the insured. In addition, the insurance will provide cover for legal and other costs incurred in investigating and defending such claims

Construction Projects (D&C) Professional Indemnity Policy

Pacific Indemnity Product

Contractors undertaking large projects - including infrastructure projects - are often required to undertake the project under a design and construct contract. While the contractor my be responsible under the contract for the design, the design may in fact be undertaken by external professional engineering consultants on behalf of the contractor, or the contractor may have an internal design department or the design may have already been undertaken for the client and the contract requires that design contract to be 'novated' to the contractor. Notwithstanding the method the contractor will inevitably be required to effect professional indemnity insurance for the design and to maintain that for the construction period and for a period following completion of the construction. Inevitably a multi-year specific project professional indemnity policy will be required.

Multi-Media Liability

Pacific Indemnity Product

Communications & publication media now takes many new forms, beyond the traditional newspapers, books, magazines, radio & TV. Modern technology brings us publication risks from the internet and its derivative applications including digital broadcasting. These add significantly greater liability risk due predominantly to the significantly increased size of the audience. In addition the risk is increased due to the greater number of legal jurisdictions in which action can be commenced, as a result of the fact that defamation (and arguably intellectual Property breach) occurs where the publication is accessed - which, in the case of internet publication, can be anywhere in the world.
Replacing traditionally issued Defamation insurance policies, the Pacific Indemnity Multi-Media policy has been developed in the style of a Civil Liability Professional Indemnity policy - providing broad cover under the operative clause - including breach of professional duty (for the content of the publications), breach of confidentiality, breach of privacy, defamation and many other risks. In addition the policy offers automatic extensions including Withdrawal of Content and cover for Misleading and Deceptive Conduct Breaches (under the ASIC Act and the Competition and Consumer Act and the states Fair Trading Acts).

Public Liability

Pacific Indemnity Product

Apart from a professional duty of care, everyone has a general duty of care to others to conduct their affairs so as not to cause loss, damage or injury to others by what they do or fail to do. Claims arising from a breach of this general duty of care are covered under a public liability policy.
For professional service professionals who principally operate from an office environment we are able to offer a broadform public and products liability cover in conjunction with a professional indemnity policy.

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