Free fact finder · Australia
Lawyers' insurance fact finder
Primary cover comes from the state scheme. This fact finder gathers what insurers ask for the cover above it, and the firm's other insurance, once and in plain English.
- No login needed
- Fillable PDF with your logo
- 87 questions
- Written for AU rules
What it asks
The questions underwriters ask, in plain English.
Each one comes with a line saying why it's asked, so your client answers fully the first time.
- 1Which compulsory scheme insures the firm's primary professional indemnity?Primary cover for Australian law practices is compulsory and comes from the state scheme. This fact finder is for the cover above it.
- 2Which areas of law does the firm practise? Tick all that apply.Each area carries a different risk. Conveyancing, property development and corporate work bring the largest claims.
- 3How much top-up cover would you like above the scheme?Matters worth more than the scheme's limit, or a client contract, may need more.
- 4Is there a system to make sure limitation dates, court deadlines and other time limits are met?Missed time limits are among the most common claims against lawyers.
- 5Does any of the firm's work need an Australian Financial Services Licence?Financial services work is usually outside a law firm's cover unless declared.
- 6Is anyone in the firm aware of a mistake, complaint or situation that could lead to a claim?Anything known before cover starts is excluded unless declared now.
The firm
Entity, people, the compulsory scheme it is in, and fees by state for stamp duty.
Areas of practice
Tick the areas, then the share of fees for each: conveyancing, commercial, litigation, family, estates and more.
Cover above the scheme
Any top-up cover in place, its limit, premium and expiry, and how much the firm wants above the scheme.
Risk management
Engagement letters, time-limit systems, client checks, supervision and cyber security.
Claims and statutory liability
Past claims, known circumstances, disciplinary history, fines and the firm's safety system.
How it works
- 1
Open it and try it
Answer it on the page as your client would. Follow-up questions appear as you go. Nothing is saved.
No login
- 2
Send it, or download the PDF
Send your client a link to answer by form or chat, with reminders sent for you. Or download a fillable PDF with your logo.
PDF free, no email
- 3
Fill the insurers' forms
When your client answers, one click starts each insurer's form with their answers in, and drafts a needs summary for you to finish.
Free 14-day trial
Minimum cover
Compulsory cover for Australian law practices
A law practice's primary professional indemnity is compulsory and comes from its state's scheme. This fact finder is for the cover above it, not instead of it.
- Law Society of NSW
- Solicitors must hold or be covered by an approved policy before they practise in NSW. The approved policy comes from Lawcover.
- Lawcover (NSW)
- Cover is up to $2 million each claim, including the claimant's and defence costs. Lawcover's own top-up cover goes beyond that, up to $20 million.
- LPLC (Victoria)
- All Victorian law practices must insure with LPLC unless the Legal Services Board exempts them. The limit is $2.5 million for any one loss, including defence costs, from 1 July 2025.
- Queensland Law Society
- Every law practice in Queensland must hold professional indemnity insurance, provided through Lexon.
- Law Society of South Australia
- The scheme is compulsory for practitioners in private practice, at $2 million per claim including defence costs. Practices may buy top-up cover through a broker.
A summary, not advice. Western Australia, Tasmania, the ACT and the NT run their own schemes. Check the current scheme terms before setting a top-up limit.
Free tool or a free trial
The fact finder is free. A trial does the forms.
Free, no login
Everything you need to use it.
- The whole fact finder, answered as your client would
- How much of each insurer's form it fills
- Fillable PDF with your firm's logo
With a 14-day free trial
Your client answers once. No card needed.
- Send it as a link: answered by form or chat, with reminders
- Upload a PDF your client filled in and the answers are read in
- Start each insurer's form with your client's answers in
- A first draft of the client's needs summary
- Next year, your client only confirms what changed
Before you ask
Questions about the lawyers fact finder.
- Is the lawyers' fact finder really free?
- Yes. Answer it on the page as your client would, and download it as a fillable PDF with your logo, with no login and no email. Sending it to a client as a link comes with a free 14-day trial.
- How does it fill the insurers' forms?
- Each question is linked to the same question on the insurers' forms in the Coverbound Form Library. When your client answers the fact finder, starting an insurer's form puts their answers in, and your client confirms them instead of typing them again. The rest of each form, mostly tables of names, matters and past claims, they answer there.
- Which insurers' forms does it fill?
- Proposal forms from Arch (PI excess for solicitors), Vero and Zurich (statutory liability). The page shows how much of each one it fills.
- Does it replace the compulsory scheme?
- No. Primary professional indemnity for Australian law practices is compulsory and comes from the state scheme, such as Lawcover or LPLC. This fact finder is for top-up cover above the scheme, statutory liability and the firm's other insurance.
- Does it work out the cover my client needs?
- No. It collects what your client tells you and drafts a needs summary in their own words for you to finish. The advice is yours.
Ask once. Fill every form.
Open the fact finder, try it as your client and download the fillable PDF. No login needed.
Open the fact finder