This policy indemnifies the insured for legal liability that arises from giving incorrect advice, including any financial loss sustained due to that poor advice. Nearly all “white collar” professions need this cover, including accountants, lawyers, doctors, insurance brokers, real estate agents and financial planners. There are many “blue collar” professions that also require this cover, such as engineers, architects and people involved in the design process of any products.

This policy indemnifies the insured for legal liability that arises from personal injury or damage to property that occurs during the period of insurance in relation to the business, subject to the policy exclusions. It also covers the defence costs that are incurred in respect of the claim.

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Most professionals take an office pack cover, which is very similar to a “business pack” cover, but is designed more for business professionals in an office environment.