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Solicitor indemnity insurance

For legal firms and solo solicitors alike, top-up indemnity insurance is crucial. Our expert brokers can help.

What is top-up professional indemnity insurance for solicitors?

In Victoria, solicitors need $2 million in professional indemnity coverage at a minimum. But you may need more.

Top-up indemnity insurance lets you extend your coverage to suit you. It’s important to weigh your insurance options against your exact requirements before you make a purchase – and that’s where we can help.

Our expert brokers will negotiate with a panel of insurers to find you the right fit – every time.

Support we can provide

  • Access to key markets for your top-up professional indemnity insurance.

  • Analysis of developing professional liability claim patterns, identifying opportunities for prevention.

  • Identify trends and professional risk management strategies.

  • Education around legal profession risk developments, market trends and benchmarking guidance.

  • Efficient and seamless renewal process

Additional cover we can arrange

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Insurance premium funding

Insurance can be a lifeline. But lump sum premiums can be a hindrance. Pay in monthly instalments with premium funding arranged by Marsh.

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Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

Trusted by 130 associations

We are proud to be the endorsed insurance broker for more than 130 Australian industry groups and member associations, developing insurance solutions that help meet the risk and insurance needs of businesses across a variety of industries.

Local expertise

Our Australia-wide network of brokers have spent years at the coalface supporting business owners manage their unique risks in a fast-changing market. They keep ahead of the latest market insights both local and global and break down the jargon into your language.

Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We help take the load off and manage, negotiate and settle claims with insurers on your behalf.

Lawyers practice expertise

Our dedicated lawyers practice has extensive expertise in professional indemnity cover and advisory services tailored specifically for professional services firms. We draw on our experience with law firms to arrange tailored solutions that meet your needs.

Risk education

We aren’t just dedicated insurance brokers. We’re also exceptional risk educators – and we work with like-minded insurers to deliver tips, insights and guidance bespoke to your business.

Optimal market position

Our position in the insurance market means we can offer balanced coverage, exceptional claims support, and proactive and relevant risk guidance. Our focus is always on creating value for you.

Why use a broker?

Choosing business insurance means navigating through products, coverages and policy terminology – with a sales pitch as your only guide. An experienced broker will spot your unique set of risks, match you to the right choice, and advocate for you on price.

Frequently asked questions

The Legal Practitioners’ Liability Committee (LPLC) is the compulsory professional indemnity insurer to legal practices in Victoria and many national firms. Solicitors are required to have a minimum of $2 million in professional indemnity cover. 

Our top-up professional indemnity insurance solution is based upon the LPLC’s approved policy wording, and is provided when the LPLC agrees to indemnify, subject to the terms and conditions of the top-up policy. 

Professional indemnity insurance is among the most highly recommended covers for any business – particularly if it offers advice or recommendations as part of its services.

This policy covers claims made by clients if your advice or guidance causes them or another third-party financial loss.

A typical professional indemnity policy can cover allegations relating to:

• Breach of duty

• Breach of privacy or confidentiality

• Intellectual property infringement 

• Defamation

• Lost or damaged documents

• Reputation repair

• Claims investigation costs

• Negligence.

Professional indemnity insurance typically cannot cover:

• Existing circumstances

• Intentional damage

• Contractual obligations 

• Bankruptcy.

Coverage is defined on a case-by-case basis and will depend on the nature of your business, including size of risk, your risk appetite and capacity. No two businesses are the same.

Each solicitor and practice will face different risks. But, generally speaking, some common risk exposures for solicitors include:

• Professional negligence

• Incorrect advice

• Fraud and dishonesty

• Conflicts of interest

• Documentation mistakes

• Misleading information

• Cybersecurity breaches

• Breach of duty

• Poor client communication.

Some risks are more prevalent for individual businesses. Whatever your risk profile, our brokers will tailor your policy to you.

Yes. Professional indemnity insurance and errors and omissions insurance are interchangeable terms referring to the same cover.

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Personal accident cover

With personal accident cover you can be sure your medical expenses are covered in the event of an on-the-job injury.

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Your assets face the same risks as your premises: theft, damage and more. Keep your inventory covered with insurance arranged by Marsh.

When considering this insurance, we recommend you review the relevant statutory requirements or approved policies to be held under your state or territory’s professional standards legislation and the Policy Wording/Product Disclosure Statements to see whether these products suit your needs.

LCPA 23/154

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.