Professional Consulting

Get the right cover to safeguard your practice from legal and financial liability.

Sub-sectors: Accountants/Auditors | Architects | Advertising Agencies | Agricultural Advisors | Advocates/ Attorneys | Chiropractors| Civil Engineers | Dentists | Designers | Dieticians | Educators | Engineers | Financial Advisors | Insurance Advisors | Management advisors | Medical Practitioners & Medical Specialists | Opticians & Optical Mechanics | Psychologists | Sports Coaches | Standards advisors | Veterinarian Practices

As a professional consultancy you need to consider both professional indemnity insurance as well as related legal liability insurance. The appropriate cover will ensure you are not vulnerable to risks that could compromise your business.

Speak to Indwe to find out the risks to you and how best to cover these. Our specialist liability team will put together an effective insurance strategy that offers the most appropriate and affordable cover, leaving you free to focus on growing your practice.

AIPL - The simple approach that ensures you have the cover you need as you grow your business

Indwe Risk Services endeavours to simplify the sometimes complex risk identification and evaluation process by using our AIPL approach. This accommodates practically all insurable risks and can be used for any sized company, from a small home-based business to a large multinational organisation. We will ensure you have all the cover you need as your business expands.


  • Fixed or mobile, e.g. buildings versus vehicles
  • Tangible or intangible, e.g. property versus trademarks, designs and patents
  • Owned, operated, leased or borrowed, e.g. contractual conditions
  • Local or international, e.g. statutory considerations


  • Income from trading operations
  • Non-trading income
  • Income from intangible assets
  • Personal income protection of owner(s)
  • Fixed contract purchases
  • Fixed costs
  • Variable costs
  • Non-trading expenditure
  • Alternative suppliers
  • Client dependency


  • Own people, e.g. trade risks, employee fraud, labour-related issues, legal liabilities, employee benefits
  • Third party contractors, e.g. personal injury, complicity with employees, labour-related issues, trade risks
  • Clients/Customers, e.g. dependency, competitive forces, credit risk exposures
  • Suppliers/Service Providers, e.g. dependency, competitive forces


  • Common Law
  • Statutory
  • Indigenous
  • International
  • Contractual
  • Criminal
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