Specialists in PI underwriting

Professional indemnity insurance covers defence costs and damages for business facing allegations of negligence or misconduct. It’s mandatory for some professions and considered essential for others.

  • 30,000+

    professionals insured by DUAL each year

  • 100s

    of professional classes covered

  • 26

    years of heritage in financial lines and professional indemnity

Key benefits

Clear policy wordings in line with the latest legislation

Clarity is key – particularly around changing or new legislation in a complex regulatory environment. We work hard to ensure our policies remain relevant, and your clients stay protected.

Customisable cover

Our products can be tailored to suit your client's needs. 

With our diverse range of expertise, we have the flexibility to cover a wide range of risks, including many bespoke risks. If you have a hard-to-place risk, we have the expertise and experience to assist in finding a solution.

Governing body accredited

DUAL policies meet the defined standards of many professional bodies.  [EITHER LIST A FEW OR GIVE LOCAL EXAMPLES??] 

AA capacity

All DUAL binders are backed by trusted capacity providers with solid underlying financials. See more about our insurer partners.

Primary and excess layer coverage

Equally comfortable leading or following, DUAL can augment your existing strategy or develop bespoke solutions around client needs.

Quality claims handling

In a crisis, insureds need experienced lawyers with a proven track record for claims handling. Fast, efficient, and fair, claims are handled in-house, with local expertise across our 30+ associate offices.

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Coverage options

 Our broad civil liability wording provides the following protection:

  • Legal defence fees, costs, and expenses 
  • Payment of compensation
  • Official investigation costs, including attendance at investigations 
  • Mitigation costs

This can include:

  • Exclusive of costs limit
  • Automatic reinstatement
  • Advancement of defence costs
  • Consultants, subcontractors, and agents
  • Continuous cover
  • Crime (first and third party)
  • Emergency costs inc. PR and reputational expenses
  • Loss of data
  • Statutory liability
  • Collateral warranty service

Beyond the typical PI policy, optional extensions include:

  • Contractual liability
  • Whistleblower hotline
  • Loss mitigation and rectification
  • Employment practice liability insurance
  • Insolvency risks
  • Excess of loss

Policy limits available

Up to $5m

sum insured

$3000

minimum premium

Retail or wholesale

available to retail and wholesale brokerages

Risk appetite

We have a broad appetite across a wide range of occupations. We’ll consider the risks of sole practitioners, SMEs and larger practices, and non-traditional professions.

Current insureds include

  • Accountants

  • Solicitors

  • Architects

  • Financial services

  • Insurance brokers

  • Civil and structural engineers

  • Design and construct

  • Estate agents

  • Consultants

  • Associations

Selective risks

  • Corporate advisory services

  • Underground utility contractors

  • Equipment inspection

  • Electrical contractors

  • Call centres

  • Dangerous goods consultants

  • Engineers involved in offshore and marine work

  • Engineers involved in mining work

  • Cladding contractors

  • Chemical engineers

  • Insolvency practitioners

Outside our appetite

  • Financial planners

  • Property developers

  • Pre-purchase building inspectors

  • Valuers

Why choose DUAL?

  • Built for speed

    When time is tight, speak to us. Our flat hierarchies and streamlined processes allow for fast decisions.

  • Focussed on your needs

    We won’t sell to you, we’ll solve with you.

  • Quality claims handling

    Fast, efficient and fair – we design our claims processes to make life as easy as possible for you.

  • All about service

    As an independent business, always thinking long term, everyone is committed to great service. Give us a try and see for yourself.

Underwriting requirements

We’ll need information on the organisation, its board and management, and its legal and claims history. Our submission requirements are: 

  • Professional liability application
  • Prior cover details
  • Five-year loss runs summary
  • Sample contract
  • CVs/resumes
  • Financials

Get in touch