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FinTech
London Australia Underwriting Pty Ltd
  • Contract required

Coverages: Professional Indemnity| Directors and Officers Liability | Crime | Cyber | General Liability

Insurance solutions designed specifically for financial technology companies.

Property Valuers
Woodina Underwriting Agency Pty Ltd
  • No contract required
Max Coverage AUD 10M

Coverages: Professional Indemnity

Woodina’s Professional Indemnity Insurance for Property Valuers provides specialised protection against claims of negligence, errors, or omissions in property assessments and valuations. It covers legal defence costs and potential compensation arising from breaches of professional duty. With coverage of up to $10 million per claim, this policy supports valuers in delivering accurate, compliant services while minimising financial risks tied to professional liability. 

Mortgage / Financial Brokers
Woodina Underwriting Agency Pty Ltd
  • No contract required
Max Coverage AUD 5M

Coverages: Professional Indemnity

Woodina’s Professional Indemnity Insurance for Mortgage and Financial Brokers offers essential protection against claims of negligence, errors, or omissions in loan advice, brokering, and financial services. It covers legal defence costs and compensation arising from breaches of professional duty. With coverage up to $10 million per claim, this policy supports brokers in managing client relationships and financial risks with confidence and compliance. 

Financial Planners
Woodina Underwriting Agency Pty Ltd
  • No contract required
Max Coverage AUD 5M

Coverages: Professional Indemnity

Woodina’s Professional Indemnity Insurance for Financial Planners is tailored to protect against claims of negligence, errors, or omissions in financial advice and planning services. It covers legal costs and potential compensation for breaches of duty, ensuring financial professionals are safeguarded while helping clients manage wealth. With coverage up to $10 million per claim, it supports secure and confident financial advisory practices. 

Excess Layer
Woodina Underwriting Agency Pty Ltd
  • No contract required
Max Coverage AUD 10M

Coverages: Professional Indemnity

Woodina’s Excess Layer Insurance provides additional Professional Indemnity coverage above primary policy limits, offering extra protection for professionals exposed to high-value risks. Ideal for those in complex or high-stakes fields, it covers legal defence costs and compensation beyond standard limits. With flexible top-up options, this policy ensures professionals maintain strong financial protection and peace of mind against large or unexpected liability claims. 

Accountants
Woodina Underwriting Agency Pty Ltd
  • No contract required
Max Coverage AUD 10M

Coverages: Professional Indemnity

Woodina Underwriting Agency offers tailored Professional Indemnity Insurance for accountants and bookkeepers, covering services like accounts preparation, forensic accounting, and taxation. This insurance safeguards professionals against legal costs and compensation claims arising from civil liabilities, including acts, errors, omissions, or breaches of professional duty. Coverage includes up to $10 million per claim on an aggregate basis. 

Financial Lines - Solution ONE
CFC
  • No contract required
Min Premium AUD 500/Year

Coverages: General Liability | Management Liability | Professional Indemnity

Financial Lines – Solution One insurance from CFC is an all-in-one policy combining management liability, professional indemnity, and cyber coverage for SMEs. Tailored for financial services firms, it simplifies protection with a single, comprehensive solution. Solution One addresses evolving risks like regulatory actions, client disputes, and cyber threats, offering streamlined coverage, expert claims support, and peace of mind in a complex and fast-changing business environment.

Financial Lines - Professional Indemnity
CFC
  • No contract required
Min Premium AUD 1K/Year

Coverages: Professional Indemnity

CFC's Professional Indemnity insurance offers comprehensive protection for businesses against legal expenses, damages, and financial liabilities arising from professional services. Key features include full civil liability coverage, continuous cover, and protection against intellectual property rights infringement. This modular policy is tailored to address the diverse exposures faced by professional services firms, ensuring resilience in the face of unexpected challenges.

Financial Lines - PI Excess Layer
CFC
  • No contract required
Max Coverage AUD 5M Min Premium AUD 5M/Year

Coverages: Professional Indemnity

Financial Lines – PI Excess Layer insurance from CFC provides additional professional indemnity coverage above primary policy limits. Designed for high-risk sectors like finance, legal, and consulting, it ensures extended protection against large or unexpected claims. This excess layer helps firms manage complex liability exposures, maintain regulatory compliance, and safeguard their financial stability with responsive support and tailored risk solutions from CFC’s expert team.

Financial Institutions
Keystone Underwriting Pty Ltd
  • Docs available S
  • Contract required
Max Coverage AUD 5M Min Premium AUD 10K/Year

Coverages: Crime | Directors and Officers Liability | Professional Indemnity

Keystone's Financial Institutions insurance offers comprehensive protection for finance professionals against litigation risks from regulators, investors, and clients. The coverage includes Investment Managers' Insurance tailored for investment and fund managers, Professional Liability Insurance, Directors' and Officers' Liability Insurance, Crime Insurance, and Excess of Loss Layers. Key benefits encompass a broad product range with numerous automatic and optional extensions, as well as excess layer capabilities. Preferred industries include corporate advisors, family offices, fund managers, investment managers, private equity firms, securities brokers, and venture capital firms.

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What is finance insurance? 

Finance insurance covers specialised policies that protect financial institutions, professionals, and businesses from unique risks. These exposures may include operational failures, legal liabilities, cyberattacks, or other unforeseen disruptions. In Australia, finance insurance plays a critical role in maintaining financial stability and ensuring compliance with strict regulatory standards. 

Policies under this insurance are designed to address specific sector needs, including areas such as professional indemnity, directors and officers liability, and cyber security. This coverage provides financial institutions with a safety net and enables them to focus on operational growth without fear of unexpected setbacks. Finance insurance helps build trust, mitigate financial risks, and support businesses in navigating Australia’s complex economic environment. 

Finance insurance industry trends and emerging risks 

The finance insurance sector in Australia is undergoing significant changes driven by technological advancements and growing regulatory pressures. Businesses are increasingly reliant on digital platforms, which introduce risks like cyberattacks and data breaches. Brokers must stay informed of these trends to offer comprehensive and relevant solutions to their clients. Areas to focus on include: 

  • cybersecurity threats: the growing reliance on technology makes cyber liability insurance indispensable for financial institutions 

  • regulatory reforms: meeting APRA and ASIC standards, such as CPS 234 (Information Security), requires ongoing updates to policies 

  • nature-related risks: reports highlight the insurance industry's role in lowering risks related to biodiversity loss and environmental degradation 

Technological advances, like AI and analytics, are transforming how insurers assess and manage risks, enabling more precise and customised solutions for businesses. Brokers who stay ahead of these finance insurance developments can guide clients in addressing emerging challenges and meeting compliance requirements. Aligning policies with current trends enhances client relationships and supports long-term success. 
 

Finance insurance FAQs 

What type of insurance do most lenders require? 

Lenders in Australia typically require Lenders Mortgage Insurance (LMI) for borrowers with deposits under 20% of a property's value. This protects the lender if the borrower defaults.  

Other common requirements include income protection insurance to ensure borrowers can meet their repayments in case of illness or unemployment. These policies provide financial security for lenders and borrowers alike, fostering trust within the market. 

What insurance do I need for finance? 

A financial adviser in Australia might need professional indemnity insurance to protect against claims of negligence. For example, a client might allege financial loss due to incorrect investment advice. However, the right financial insurance depends on individual or business needs. 

Key finance insurance options for individuals 

  • income protection insurance: includes income loss because of illness or injury 

  • cyber liability insurance: protects against financial losses from cybercrime or identity theft 

Essential coverage for businesses 

  • management liability insurance: shields directors and officers from claims related to wrongful acts 

  • public liability insurance: covers third-party claims for injuries or property damage 

  • business interruption insurance: compensates for income loss caused by operational disruptions 

Specialised policies for accountants or mortgage brokers cover threats specific to their work. Picking the right insurance helps meet regulations and protect finances in Australia. 

What does insure mean in finance? 

To insure in finance means transferring the risk of monetary loss to an insurer in exchange for premiums. It provides protection against risks like fraud, operational failures, or legal claims. Finance insurance guarantees businesses remain stable and resilient, even in challenging circumstances, by safeguarding critical financial processes and assets. 

How does finance insurance help protect clients? 

Financial services insurance shields clients from unexpected losses by ensuring financial stability and legal compliance. It covers liabilities, disruptions, and regulatory fines and helps minimise risks that could jeopardise operations. For example, professional indemnity insurance protects advisors from negligence claims, while cyber insurance mitigates data breach impacts, enabling businesses to recover efficiently. 

Who typically needs finance insurance coverage? 

Finance insurance is vital for sectors like banking, financial advising, and more, protecting against operational, legal, and financial risks. In Australia, regulatory demands and market complexities heighten the need for bespoke policies. Key groups needing this type of insurance include: 

  • banks and credit unions: safeguard assets against fraud, cyberattacks, and regulatory breaches 

  • financial advisers and planners: protect against negligence claims with professional indemnity insurance 

  • accounting firms: address liability risks from financial errors or advice 

  • small businesses: manage risks tied to loans, investments, and transactions 

  • rural professionals: require coverage for region-specific hazards and compliance 

High-net-worth individuals also use finance insurance to protect investments and ease risks in complex portfolios. Tailored policies make sure that coverage meets the diverse needs of all stakeholders in Australia.