Professional Indemnity

Sometimes
mistakes happen

Remove the uncertainty

Regardless of your level of experience, mistakes can happen. You may unintentionally breach privacy, make an error of judgement or provide incorrect advice. Any allegation of negligence or instance of professional malpractice, can result in significant financial penalties and reputational damage.

Remove the uncertainty

What is Professional Indemnity insurance?

Professional Indemnity Insurance provides protection against the legal costs and claims for liabilities associated with allegations of negligence, professional misconduct, breach of duty or incorrect advice that you provide to a third party.

If found liable for negligence, the costs can be financially devastating. Not only can it lead to an expensive lawsuit, but your’ hard-earned reputation may be damaged as a result.

That’s why professional indemnity insurance matters – for help protecting your assets and brand if your advice causes a third party to take legal action against you.

Who should consider it?

Whether you are a sporting association, coach, trainer, sporting official, fitness professional, sports agent or allied health professional, anyone providing services and advice within the sporting industry can be open to the risk of negligence lawsuits or claims.

For example, as a fitness professional, there are several situations that might put you at risk of a professional indemnity claim, including:

Failing to take a client’s medical history or conduct a sound health assessment
Inadequate supervision during a client session
Failing to take adequate measures to prevent injury
Pushing clients beyond their capacity
Failing to warn clients of the potential dangers of certain exercises
Creating a training plan that is not suited for a client

Importantly, no matter what your profession, no one is immune to the risk of making a mistake, and professional indemnity insurance may be a key measure to help safeguard your future success.

Not all policies are the same. Exclusions, the excess you need to pay and limits of liability can vary greatly depending on your insurer. That’s why our our specialist broking team members get to know you, enabling them to provide considered advice delivering you the best policy for your specific needs.

Touch base with us to learn how we can help you.

HDL, the right partner for you.

Seek advice from HDL

Many sporting organisations ideally need Professional Indemnity insurance cover to protect any representative providing professional advice including coaches, trainers and medical staff.

Potential exposures include:

Working with children where junior sports or instruction is offered.
Sports instruction depending on whether the instructors are employees, volunteers or independent contractors.
First aid by volunteers or employees - note: volunteers who are not medical professionals may be covered under the public liability policy.
Breaches of privacy legislation

Often this cover is incorporated into an extended Public & Products liability policy or within applicable Association/Management Liability coverage, as opposed to a stand alone policy.

HDL can provide advice on what coverage is required based on your particular risk needs together with how coverage should be correctly structured.

Contact HDL for advice

Unsportsmanlike behaviour

Sometimes conduct goes beyond what’s expected of the particular sport.

If a participant is hurt from an illegal tackle, an intentional punch or other dangerous behaviour that clearly falls outside the rules of the game, the voluntary assumption of risk defence can crumble. By participating in sport, you don’t sign up to any and all dangerous conduct that arises, only what’s expected as an ordinary part of the game.

In these cases, the individual or body responsible for the participants injury may be liable to pay damages to help cover the cost of medical expenses, treatment costs and lost wages.

Complimentary Review

Securing optimal insurance protection is becoming more challenging.

Having a fresh set of eyes can make a dramatic difference. HDL welcomes the opportunity to evaluate and challenge your current risk and insurance program in a confidential manner that avoids disrupting existing relationships.

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Professional Indemnity

Professional Indemnity

Sometimes mistakes happen

Sometimes mistakes happen

Remove the uncertainty

Remove the uncertainty

What is Professional Indemnity insurance?

Who should consider it?

HDL, the right partner for you.

Seek advice from HDL

Unsportsmanlike behaviour

Complimentary Review

Complimentary Review

Securing optimal insurance protection is becoming more challenging.

Sports News & Updates

Our Global Insurance Network

Over 150 Insurers across the globe.

Our Global Insurance Network

Over 150 Insurers across the globe.

Touch base with us

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Sometimes
mistakes happen

Sometimes
mistakes happen