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Civil liability

The purpose of professional indemnity (PI) liability insurance is clear: if you are a professional (whether a member of one of the 'traditional' professions or a knowledge-based professional, such as an information technology [IT] contractor, consultant, surveyor, architect or engineer), you would have a PI policy to cover the potential liabilities you may incur in the conduct of your professional business.

But not all PI policies are the same. Different  PI policies are based on:

  • a 'negligent act, error or omission' wording
  • an 'act, error or omission' wording
  • a 'breach of professional duty' wording
  • a 'civil liability' wording.
  • Do you know which applies to your PI cover, and do you understand the implications? This technical update from LIU discusses these issues.

    Related downloads

    Technical update - Civil liability

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    Liberty International Underwriters, known also as LIU or Liberty, is a trading name of Liberty Mutual Insurance Company (ABN 61 086 083 605) incorporated in Massachusetts, USA (the liability of members is limited); Liberty International Underwriters Limited (No. 2400200), incorporated in Hong Kong and Liberty International Underwriters Pte Limited (UEN 201538069C), incorporated in Singapore with a branch in Labuan (Reg. No. LF12903), licensed to carry on general insurance business under the Labuan Financial Services and Securities Act 2010, Lic. No. IS2016162 (together LIU).

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