Protection for the advice and designs you deliver
Professional Indemnity in New Zealand
Professional indemnity responds when a client alleges your advice, design or service caused them financial loss — including the cost of defending the claim.
Claims-made cover
The policy in force when the claim is made responds — keep cover running after a project ends.
Retroactive date
Past work stays protected as long as the retroactive date is maintained.
Required by clients
Councils, government agencies and corporates typically require it before engagement.
The detail
What professional indemnity covers
A typical New Zealand policy looks like this. Your final wording is set by the insurer we place you with — we walk you through it before you sign.
Usually included
- Negligent advice, design or specification
- Errors and omissions in your service
- Legal defence and expert costs
- Breach of professional duty
- Loss of client documents or data
Worth adding
- Run-off cover after you stop trading
- Increased limits for tender requirements
- Fidelity and cyber add-ons
- Statutory liability
Commonly excluded
- Known claims and circumstances at inception
- Guaranteed outcomes and performance warranties
- Bodily injury and property damage (public liability territory)
- Trading debts and refunds of your own fees
Questions
Professional Indemnity FAQs
Keep exploring
Other business cover
Public liability
When your work damages someone else's property
See coverCommercial vehicle
Utes, vans and fleets that earn their keep
See coverCommercial property
Buildings, fit-out, stock and plant
See coverCyber
Incident response the moment you're breached
See coverReady for cover that actually fits?
Tell us what you need protected. An adviser compares the market and comes back with options in plain English — usually within one business day.