Professional Indemnity Insurance | Hutch Underwriting Australia

Just like every all-star player brings unique skills to the court, every profession carries its own set of risks and challenges.

That's where Hutch steps in. Our Professional Indemnity (PI) insurance is designed to protect a diverse range of professions. Get ready to play defence like never before, backed by a policy that understands your game.

Now Playing on SCTP & Ebix Sunrise Exchange (HUTPI)

The Playbook

Combined Liability (PI/PL/Cyber) for professional services businesses, with occupation-specific wordings for IT Professionals, Real Estate Agents, Accountants, Architects and Engineers, Tradespeople, as well as Design & Construct.

Key Covers

Just like a versatile player adapts to any play, our Key Covers are designed to offer comprehensive protection tailored to the specific needs of your profession.

Civil Liability based insuring clause
Costs and Expenses, in addition to the limit on all wordings
Up to $500K Fidelity Extension available
Writeback for Sudden and Accidental Pollution available
Statutory Liability automatically included for most occupations
On A&E Risks, optional extensions are available:
- Mitigation Costs
- Principals Indemnity
- Novated Contracts
- Proportionate Liability

Who’s on The Team?

Check Out the Professions We Cover

Ready to see if your clients are in our league? Scout below to discover the extensive range of professions covered under our PI insurance. Whether they're a rising star or a seasoned pro, we’re here to assist in safeguarding their career.

Accountants
- Bookkeeping
- Company secretarial/ executor/ trusteeship
- Accounts Preparation
- Forensic Accounting
- Management Accounting and Consulting
- Tax Agent
Agricultural Consultants
- Aquaculture
- Communication, Training
- Food Science
- Forestry
- Horticulture
- Management Consulting
- Natural Resource Management
- Rural Development
Agriculture, Forestry and Fishing
- Dairy Herd Testing
- Fish Farms
- Forest Conservation Service
- Forest Nursery Operation or Service
- Reforestation Service
Architects
- Drafting / Detailing
- Interior Designers
- Landscape Architecture
- Project / Construction Management
- Town Planners
Communication Services
- Courier Service
Computer Consultants (IT Consultants)
Cultural and Recreational Services
- Costume Design Service
- Set Designing Service
- Sound Archive Service
- Sound Recording Studio Operation
- Theatre Lighting Service
- Writer (Own Account)
Education
- Ballet School Operation
- Education Consultant
Engineers
- Civil Works
- Consulting Engineers (excluding building inspectors/surveyors)
- Draftsperson
- Electrical
- Heating, Ventilation, Air Conditioning
- Industrial
- Mechanical
- Project / Construction Management
- Project/Construction Managers
- Sewerage
Finance and Insurance
- Claim Adjustment Service
- Claim Assessment Service
- Insurance Risk Manager (Consulting)
Hair and Beauty
- Barber Shop Operation (No Tobacco on Premises)
- Barber Shop Operation (With Tobacco on Premises)
- Beauty Salon Operation
- Epilation Service
- Hairdressing Service
- Manicure Service
- Massage Service Noc
- Mobile Make Up Artist
- Pedicure Service
Information Technology Consultants
- Information Technology Liability (Combined PI / PL)
- Computer Consultants
Miscellaneous
- Adoption Agents (BIPD Excl)
- Air Cargo Consultancy
- Air Pollution Consultancy
- Allergy and asthma consultant
- Alternative Health Services
- Anthropologist
- Archaeologists
- Consultants
- Criminologist
- Dietician
- Drug and Alcohol Counselling
- Economists (excluding FI associated risk)
- Farm Management Advisory Service
- Food Consultant
- Funeral Director
- Graphic Designers
- Human Resource Consultants
- Hygiene Consultant
- Industrial Relations Consultant
- Legal Costing Services
- Loss Adjusters/Assessors
- Management Consultants
- Marketing / PR Consultants
- Mercantile Agents & Private Investigators
- Odour Pollution Consultant
- OH&S Consultants
- Personnel Consultancy
- Quality Assurance Consultant
- Sociologist
- Solar Energy Consultant
- Transportation Consultant
- Travel Agents
- Water Pollution Consultancy
- Wine Industry Consultancy
Personal and Other Services
- Counsellor (Personal Matters)
- Family Counselling Service
- Funeral Directing, No Coffin Manufacture
- Immigration Consultant
- Marriage Celebrant
- Weight Reducing Service (Mainly Diet Planning)
Photography Services
- Photography Service (Ex. Aerial)
- Street Photography Service
- Studio Photography Service
- Commercial Photography Service (Ex. Aerial)
- Portrait Photography Service
Property and Business Services
- Address List Compiling Service
- Addressing Service
- Advertising Agency Service
- Advertising Signs W'Sale
- Advertising Space Selling (For Fee/Commission)
- Arboricultural Consultant - Isa Cert.No Lopping
- Business Administrative Services (General)
- Business Statistical Service (Ex. Government)
- Call Centre and Telephone Answering Service
- Collection Agency Service
- Commercial Art Service
- Debt Collecting Service
- Economic Research Operation (Ex. University)
- Efficiency Advisory Service
- Environmental Consultancy Service (Ex. Laboratory)
- Ethics Consultant
- Fashion Design Service
- Food Agent Or Broker
- Food Technology Consultant
- Food Testing Service
- Import Consultancy Service
- Journalist, Freelance
- Letter Writing Service
- Life Coach Service
- Liquor Licensing Consultant
- Literary Agent
- Manufacturers Agent
- Market Research Service
- Mediation Service
- Merchandising Consultancy Service
- Meteorological Services
- Notary (Own Account)
- Operations Research Service (Commercial)
- Process Server
- Public Opinion Research Service
- Public Relations Consultancy Service
- Sales Advisory Service
- Secretarial Service
- Tariff Consultancy Service
- Testing Or Assay Service (On A Fee/Contract Basis)
- Textile Agent
- Tourism Development Consultancy Service
- Training Consultancy Service
- Typing Service
- Water Conservation Consultancy
- Wool Testing Service
- Word Processing Service
Real Estate Agents
- Body Corporate Managers
- Commercial Property Sales
- Facilities Management
- Residential Property & Strata Management
- Residential Property Sales
- Rural Property Sales
Surveyors
- Aerial
- Cartographers
- Engineering Surveyors
- Land
- Topographical
Tradespeople
- Carpenters and Joiners
- Electricians
- Cabinetmakers and Shopfitters
- Floor and Wall Tilers
- Painters and Decorators
- Plasterers and Renderers
- Roofers and Tilers
- Glaziers and Window Installers
- Signwriters and Fit-out Contractors
Suitability depends on the scope of professional services, contracts and licensing. Some trades may require referral.
Transport and Storage
- Booking Service (Passenger Travel/Accommodation)
- Customs Agency Service
- Freight Forwarding Service (Road) - No Storage
- Tour Guide Service
- Tour Guide/Operator Service
- Tour Wholesaling Service
- Tourist Bureau Service
- Tourist Coach Service, Short Distance
- Travel Agency Service

Choose your player

Occupation-specific wordings

Every profession plays a different position. Architects design the play, accountants keep the score, and IT consultants keep the system running. Real Estate keeps the field in order.

Explore the player cards below to choose the wording that fits your client.

PI for Accountants

Accountants

Meet the $2M requirement.

Reconcile your cover

PI for Architects and Engineers

Architects & Engineers

Built for design work and the risks that come with it.

Check the specs

Design and construct professional indemnity

Design and Construct

Specialist PI for firms taking on both design and construct obligations.

Explore the framework

PI for IT

IT Professionals

Cover built for the real-world risks of IT work, from coding errors to contract disputes.

Launch the IT page

PI for Real Estate Agents-1

Real Estate Agents

The wrong wording can cost your client more than a commission.

Inspect the cover

PI for Tradies

Tradespeople

For tradies delivering design, advice or sign-offs as part of their work.

Get the drill on PI for Tradies

More wordings in the line-up

Not every player fits a set position. For broader professional services or SCTP placements, you’ll find our Miscellaneous and SCTP versions below — built with the same clear cover and fast quoting experience.

Miscellaneous HCL3

Effective 30/10/25

Product Fact Sheet

Summary of Key Changes

Miscellaneous HCL2

Effective 06/03/25 29/10/25

Summary of Key Changes

Miscellaneous HCL1

Effective 12/04/24 - 05/03/25

Product Fact Sheet

HCL4SCTP

Effective 30/10/25

Product Fact Sheet

Summary of Key Changes

HCL3SCTP

Effective 06/03/25 - 29/10/25

Product Fact Sheet

Summary of Key Changes

HCL2SCTP

Effective 18/08/24 - 05/03/25

Product Fact Sheet

HCL1SCTP

Effective 06/05/24 - 17/08/24

Product Fact Sheet

Rapid Response

Just like a swift assist, we’re here to respond to your needs quickly and efficiently.

Expert Defence

Our policies are crafted by underwriting experts who understand the intricacies of different professions.

Customised Playbooks

We believe in a tailored approach because no two professionals play the game the same way.

Underwriter Spotlight

Ross Chambers

Head of Financial Lines

Ross brings a rich work history and a passion for insurance intricacies. Armed with a double degree in Economics and Finance, Ross began his career in a graduate program, where he gained exposure to diverse insurance facets, sparking his industry interest. Transitioning to underwriting in 2014, he specialises in professional indemnity insurance, relishing its complexity.

Ross Chambers

Join the Winners' Circle

Don’t be left on the bench. Stay ahead of the game with Hutch’s Professional Indemnity insurance.

If you have already completed the Terms of Business Agreement (TOBA) for our Construction or Strata products, you are covered for all current and future Hutch products.

If you haven't, now is the perfect time to get prepared. Complete the form below, and we'll send you our TOBA and remittance details.