============================================================ TITLE: Professional Indemnity Insurance | Hutch Underwriting Australia TYPE: article VERSION: 1 VERSION_ID: 3cfb0206-010c-4210-81a3-9c304fa0f567 GENERATED_AT: 2026-02-04T23:29:48.187Z SUMMARY: Secure your clients with Hutch's Professional Indemnity Insurance – tailored solutions with expert underwriting and swift in-house claims handling. DATE MODIFIED: September 8, 2025 READING TIME: 15 min WORD COUNT: 2862 KEYWORDS: Professional Indemnity Insurance, Hutch Underwriting Australia, Key Covers, Architects & Engineers, IT Professionals, Real Estate Agents, Underwriter Spotlight SOURCE URL: https://hutchunderwriting.com.au/professional-indemnity ============================================================ KEY TAKEAWAYS: * The Playbook * Key Covers * Appetite * Who’s on The Team? * Choose your player # Add Hutch Professional Indemnity to your roster ### The ultimate defensive play from the best fast-break team in the League ## 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 * Mitigation Costs * Principals Indemnity * Novated Contracts * Proportionate Liability * Mitigation Costs * Principals Indemnity * Novated Contracts * Proportionate Liability ## Appetite Our appetite for risk is as bold as a buzzer-beater shot. Find out how our PI insurance can cater to your unique professional needs. SME professional services businesses. Ideal business is less than $1M fee income. Will consider up to $10M fee income ## 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 * 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 * 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 * 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 * Drafting / Detailing * Interior Designers * Landscape Architecture * Project / Construction Management * Town Planners * Communication Services Courier Service * Courier Service * Computer Consultants (IT Consultants)  Tailored IT policy wording * Cultural and Recreational Services Costume Design Service Set Designing Service Sound Archive Service Sound Recording Studio Operation Theatre Lighting Service Writer (Own Account) * 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 * 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 * 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) * 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 * 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 * 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 * 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) * 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 * 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 * 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 * 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 * 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. * 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 * 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 * 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 ### 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) Tailored IT policy wording ### 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. ## Accountants Meet the $2M requirement. ## Architects & Engineers Built for design work and the risks that come with it. ## Design and Construct Specialist PI for firms taking on both design and construct obligations. ## IT Professionals Cover built for the real-world risks of IT work, from coding errors to contract disputes. ## Real Estate Agents The wrong wording can cost your client more than a commission. ## Tradespeople For tradies delivering design, advice or sign-offs as part of their work. ### 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 Summary of Key Changes ### Miscellaneous HCL2 Effective 06/03/25 29/10/25 ### Miscellaneous HCL1 Effective 12/04/24 - 05/03/25 ### HCL4SCTP ### HCL3SCTP Effective 06/03/25 - 29/10/25 ### HCL2SCTP Effective 18/08/24 - 05/03/25 ### HCL1SCTP Effective 06/05/24 - 17/08/24 ## What Makes Hutch an All-Star Player ### 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. ## 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. Hutch Underwriting Pty Ltd needs the contact information you provide to us to contact you about our products. You may unsubscribe from these communications at anytime. 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