Top up’ insurance is optional for barristers requiring additional insurance to cover them above the compulsory primary layer of $2 million cover.

The only ‘Top up’ insurance offered will be from Affinity Insurance Brokers.

Affinity is arranging for Insurance Australia Limited trading as CGU Insurance (CGU) to provide “Top Up” Professional Indemnity Insurance cover which is available in seven layers up to $18million (in excess of the LPLC compulsory primary layer of $2million). The terms, Application Form and policy wording have not yet been provided to us. Once available, the documentation will be uploaded to this page and separately emailed to all barristers who currently have top up insurance through us.

Policy Features

Cover for Employment Practices Breaches. Cover is afforded for claims arising from a range of employment related acts including but not limited to:-

Workplace harassment (sexual or otherwise)

Failure to employ, promote or grant tenure

Discrimination / wrongful termination of employment

Wrongful discipline or negligent evaluation of employment performance

Drop-down cover is provided up to $100,000 in the aggregate with a $5,000 excess. This cover is currently an exclusion under the LPLC Professional Indemnity Insurance for Barristers Policy.

Free Run Off cover for current policy holders who cease to practice during the period of insurance, subject to the receipt and acceptance by CGU of a completed run off proposal form each year. This arrangement only exists whilst the facility is with Affinity/CGU. Barristers can also seek a pro-rata refund of their top up premium (less applicable charges) if they cease practice and take up run-off cover.

Cover for Enquiries. Cover is afforded for all reasonable legal costs and expenses for your representation at any official enquiry, investigation or examination, including an enquiry under the disciplinary rules of the Victorian Bar or the Legal Services Commissioner. We have been able to secure CGU’s agreement to an increase in this drop-down cover from $500K to $1million with a $1,000 excess. This cover is currently an exclusion under the LPLC Professional Indemnity Insurance for Barristers Policy.