Sydney Insurance Broker

Professional Indemnity Insurance That Actually Works.

Most businesses find out their policy has gaps when they make a claim. We check your cover before that happens. We compare AIG, Chubb, QBE and more to get you the right policy at a fair price.

We work for you, not the insurer
Access to 15+ Australian and Lloyd's markets
We handle your claims from start to finish
Free review of your current cover. No strings attached.

Get a Free Cover Review Call 0403 888 128

Get a free review of your cover

Tell us about your business. We will take a look and let you know if it stacks up. No charge. No obligation.

Your details are secure. We never share your information.

Authorised Representative, AFSL 237827

Sydney-based broker

Same-day response

Steadfast network member

Why Assura

Most brokers place a policy and disappear.
We do things differently.

We take the time to understand your business before we go anywhere near an insurer. That means better coverage, fewer surprises at claim time, and a broker who picks up the phone.

We actually shop around

We go to 15+ insurers including specialist Lloyd's markets. You see all the options. We tell you which one we would take and why.

We read the fine print

The exclusions in a policy are where most claims fall over. We find the problems before you sign, not after a claim gets knocked back.

You get Patrick, not a call centre

When something happens, you call me directly. I know your policy, I know your business, and I deal with the insurer on your behalf.

Coverage

What we arrange for professional services businesses

Every policy is tailored to your business. Not a one-size-fits-all product off a shelf.

Professional Indemnity

A client says your advice cost them money. This policy covers your legal costs and any damages. It can run into six figures even when you have done nothing wrong.

Public and Products Liability

Someone gets hurt or their property gets damaged because of your business. This covers the claim against you.

Cyber Insurance

A data breach or ransomware attack can shut your business down. This covers the cost of getting back on your feet.

Management Liability

Covers directors personally when claims are made about how the business was managed. More important than most business owners realise.

Business Package

Property, contents, business interruption and liability in one policy. Good value for office-based businesses.

Statutory Liability

Covers fines from unintentional breaches of legislation including WHS laws. Easily overlooked. Worth having.

Our Process

How it works

Free cover review

We look at what you currently have and tell you honestly whether it is good enough.

We go to market

We approach 15+ insurers including Lloyd's markets. We do the legwork, not you.

Plain English recommendation

We show you the options and tell you what we would choose and why.

We stay in touch

We manage your renewals, handle claims and answer your calls. Every year, not just at the start.

Insurers and markets we access

AIG Chubb QBE Vero Allianz CGU Zurich DUAL Liberty Specialty Berkshire Hathaway Coalition Lloyd's of London

Who we help

If you give advice for a living, you need PI cover

It does not matter how careful you are. A client can still make a claim. The question is whether your policy will actually pay when they do.

Accountants Financial Advisers Mortgage Brokers Architects Engineers IT Consultants Management Consultants Lawyers and Solicitors Real Estate Agents Marketing Agencies HR Consultants Surveyors

Common questions

Straight answers

What does professional indemnity insurance actually cover? +

If a client claims your advice or service caused them a financial loss, PI covers your legal costs and any damages awarded. It does not matter whether the claim has merit. Defence costs alone can run into six figures. The policy responds from the moment a claim is made, which is why getting the right limit matters.

Do I really need a broker or can I just go direct? +

You can go direct. But you will only see one insurer and one product. When a claim happens, you are on your own dealing with the insurer. A broker accesses multiple markets, negotiates on your behalf and manages the claim for you. In most cases the price through a broker is the same or less because we have access to pricing that is not available direct.

How much does professional indemnity insurance cost? +

It depends on what you do, your revenue and the limit of cover you need. For most small professional services businesses PI starts from around $800 to $1,500 a year. We will show you a comparison across multiple insurers so you can see exactly what you are getting.

What is a claims-made policy and why does it matter? +

PI is a claims-made policy. That means it covers claims made while the policy is active, not when the work was done. If you cancel your policy and a client makes a claim two years later for work you did previously, you will not be covered. This is why continuity of cover matters and why switching insurers needs to be handled carefully.

How long does it take to get quotes? +

For most professional services businesses we can have quotes back to you within 24 to 48 hours. If your situation is more complex or you have a claims history it may take a little longer. We will keep you updated and will not leave you waiting.

Not sure if your cover is good enough?

Most businesses are not sure. We will take a look and give you a straight answer. Free. No sales pitch.