Limit what your business owes
Liability risk is shaped by how your business operates: the controls in place, the quality of your records, and how well your position stands up if a claim arises. We start by understanding those operational realities, then build programs that protect both the entity and the individuals behind it.
Defending a claim starts before the incident.
Australia's litigation environment is intensifying. The outcome of a liability claim depends on the policy, and it also depends on the records and procedures your business had in place at the time. Strong liability cover and strong operational practices work together.
Defence costs are covered as well as judgments. Many liability claims are successfully defended, but only after significant legal costs. The policies we arrange can cover these costs, subject to their terms and any excess.
Director & officer exposure is personal. Management liability claims can be made against directors as well as the company, and directors can face personal financial consequences that the entity's policies won't cover without specific D&O protection.
Your records matter as much as your cover. Inspection records, incident logs, contractor oversight, and CCTV are often the difference between a claim that's defended and one that's paid. We help clients understand both sides.
Five covers for the business and the people who run it
Management Liability
Running a business leaves you personally liable as a Director. Any actual or alleged breach of the Corporations Act, employment law, or a regulatory obligation can have serious financial consequences for you personally, as well as for the company.
Management Liability policies bundle Directors & Officers (D&O), Employment Practices Liability (EPL), and Statutory Liability into a single policy that protects both the entity and the individuals who run it.
Professional Indemnity
If your business provides advice, expertise, or professional services, Professional Indemnity (PI) insurance protects you against claims that your advice or service caused financial loss to a client. Mandatory in some industries, and worth holding in every one.
Learn more →Public & Products Liability
Protects your business against claims for bodily injury or property damage caused to third parties by your business operations or products. Losses are infrequent but can be very costly. This is the base liability cover every trading business needs.
Learn more →IT Liability Insurance
Designed specifically for IT service providers, this product combines elements of Public & Products Liability and Professional Indemnity to address the main exposures of software developers, IT consultants, managed service providers, and technology firms.
Learn more →Tax Audit Insurance
When the ATO or a state revenue authority audits your business, the professional fees involved can be significant, even if you're fully compliant. Tax Audit insurance can cover your accountant's fees through the audit process, up to the policy limit. It does not pay any tax, interest or penalties.
Learn more →What a client says about Ardent
A thorough and extremely proficient team, compared to any past experiences, for our company PI and PL insurances. A pleasure to deal with.
With Ardent, I have full confidence in our insurance-cover, which has been challenging in the past, given our niche requirements.