What we cover

Professional Indemnity:
Backing your brainpower

The Lowdown

You get paid for your expertise, but even experts have off-days. If a client claims your advice, design, or service caused them a financial loss, Professional Indemnity covers your legal defense and any settlements.

What it protects against

Professional negligence, bad advice, errors in design, or missed deadlines that cost your client money.

Who Needs It

Tech, Software & IT Services

Professional Services & Consultants

FAQs

What counts as 'bad advice'?

It could be an architect’s measurement error, a consultant’s strategy that led to a loss, or a designer using a font they didn’t have the rights to. If your expertise causes a client a financial headache, PI is your aspirin.

If I fix the mistake for free, do I still need insurance?

Sometimes a “free fix” isn’t enough. If the mistake caused your client to lose three weeks of revenue, they might sue for that lost income. PI handles those legal claims.

Leanne S

408 days ago

If you are a solopreneur looking for insurance advice AND a personalised experience - Luma Insurance are the way to go. Super responsive, no jargon, and willing to go the extra mile.

Jon B

381 days ago

Have known David for many years and highly regard his business acumen. Luma has been created to disrupt the general insurance market and they have not let me down. Their understanding of my business' needs was excellent and they provided comprehensive advice that met those needs and saved me money. Advice was thorough, identified risks I hadn't considered and was easy to understand. I wouldn't hesitate to recommend Luma to anyone seeking quality, personalised advice and great service.

Stavros M

373 days ago

David made the whole insurance process feel simple and approachable. When we first spoke, I honestly didn’t really understand how it all worked, I just assumed my old policy was the best I could get. After a quick chat, David completely shifted my perspective. He’s thorough, easy to talk to, and genuinely puts in the effort to find the best options for you. I ended up saving 50% on my insurance, which means I can put that money towards more important things in my business. On top of that, I know I’ve got someone I can call if anything goes wrong, the peace of mind and support is unmatched. Highly recommend! I’ll never go back to blindly googling insurance again.

Emmanuel {

194 days ago

Amazing service and follow through,at the end of day it's all about getting the right cover for the best price - for the restaurant and our live music venue they absolutely smashed it out the park . cannot recommend highly enough.

Jeremy L

144 days ago

Direct, very helpful and easy to deal with.

Richard K

We here at The Bergy Seltzer and Bergy Bandroom have changed over to Luma Insurance as our brokers. They have done an amazing job to reduce our insurance cost.

Ben R

207 days ago

Saved our venue THOUSANDS. Cannot recommend enough. These guys should be bronzed!!

Lis

31 days ago

I had a great experience speaking with Aaron and David. They advised me with genuine care, honesty, and integrity. Even when they could have made a profit, they were upfront and told me that I wouldn’t need their services. I really appreciated their transparency and willingness to put my best interests first.

Eduardo N

118 days ago

I highly recommend Luma Insurance. David and Aaron helped my consulting business Neu21 get the Public Liability and Professional Indemnity Insurance fast and hassle free. The price was cheaper by 30% of what we had been paying previously. Communication and process was great and completely transparent. Thank you for your support.

Fairy F

166 days ago

David has been so helpful in sorting out cheap and personalised Public Liability Insurance for my business. The prices were so reasonable compared to other competitors which had classified my business model as an unconventional case. He has been so kind and attentive and we managed to get the whole thing sorted in just a few days! Thanks David and Luma Insurance

Sean D

464 days ago

Very happy with my first interaction with Luma. The process was pain-free, information flow was great and they got me a significant reduction in cost for an identical policy. As a result, I referred Luma to a colleague for their car insurance and he had a similar experience - fuss free and a decent saving. Highly recommend!

Daniel C

318 days ago

Luma saved our venue tens of thousands of dollars. In this climate, that kind of support is the difference between surviving and shutting the doors. Their team is sharp, knowledgeable and incredibly effective. We’re truly grateful and highly recommend them.

Leighroy M

40 days ago

The guys were very quick to respond, thourough with detail and twice as fast as any other broker. I would recommend these guys to anyone in the industry as they made the whole process seamless.

David H

10 days ago

Highly recommend Luma Insurance. David went above and beyond to help with our insurance costs, and ended up saving us huge amounts on our annual overheads. Couldn't speak more highly of them!

Ange G

201 days ago

A friend that knows David rang and asked him if he could look after me with insurance, The next day David contacted me . After a few questions he got on to it straight away I could not believe the service he was so quick to get back to me with the quote. Easy to talk too. Highly recommend him . 💯

Rays B

87 days ago

I met David at one of the Sydney road business association breakfast meetings and he was talking about revieing your insurance policies as there are often many hidden charges or extra cover that may not be needed. David at Luma insurance, reviewed our business polices and I'm pleased to say has saved us a considerable amount in insurance cover costs. I would highly recommend getting Luma insurance to review your policies and only be paying what you need to be paying. Great service and a great team Will be going back for sure

Gus B

293 days ago

Thanks for getting me great insurance coverage across both venues and awesome service!

Paula A

158 days ago

I cannot recommend Luma insurance highly enough. David helped me set up my market insurance. He answered all my questions and when unsure about cover for a specific item I was selling, got back to me quickly with the answer I needed. Policy price was very reasonable and service was excellent. Thank you so much, I really appreciate all your help.

Darren K

271 days ago

David provided exceptional service from beginning to end. Not only were the prices of my business insurance much cheaper than competitors, the benefits were also better. Not to mention his follow up to get it done was excellent - considering my last broker didn’t even follow up my renewal and I realised 3 months later that I was insured. Highly recommend.

Hamish V

42 days ago

Best in the business if you want real insurance without worry luma will help cover all your needs.

Christopher C

337 days ago

Excellent experience from a genuine professional. I called late on a Friday afternoon at the last minute as my business cover was about to expire. David really pulled out the stops and worked over the weekend to find me a great deal. He didn't try to hard-sell either. Instead he talked me through the cover in a very transparent way. Not what my previous experience has been form insurance brokers. And the saving speaks for itself. My renewal notice was for $1692 and after listening to what I actually needed I paid $988. Amazing. Thanks David!

Music O

62 days ago

Excellent service and quotes! Dump your big insurer and go to these guys!

Ritesh T

44 days ago

David is one of the most genuine people I know. We need more people like him across every profession. Thank you, David, for helping us secure a competitive quote and save almost 40% on our annual insurance premium!

J J

69 days ago

Highly recommend Luma. Our apartment building's insurance needs are complex, including a Heritage Overlay. Thanks to our broker David at Luma who patiently addressed all our questions, we now have insurance tailored to our specific needs and at a considerably lower price than what we were paying another broker. Fabulous to deal with and a great result for us.

Stephen C

115 days ago

Quite simply, solved a Public Liability issue that was crippling our industry for 6 years

Kate S

410 days ago

Switching my business insurance to Luma has been a game changer. The care, personal service, and clear communication gave me confidence I’m covered. I’ve always said a great lawyer and accountant are essential—now I can add Luma as the third core element of my business. Highly recommend!

Tim M

Luma have been great

Professional Indemnity: Backing your brainpower