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Why Choose Merix Powered by Pulse Insure?
Professional Indemnity insurance designed specifically for mortgage and asset brokers, backed by specialist expertise, comprehensive protection, and market-leading insurers.
Professional Indemnity & Public Liability Insurance
Mortgage and Asset Finance Professionals face increasing exposure to professional advice, compliance obligations, cyber threats and business liability risks. Pulse delivers tailored insurance solutions designed for the unique risks faced by mortgage and assets broker combined with a simple seamless digital experience.
Backed by local experts who understand your industry, pulse provides the advise guidance and support you need at every stage.
Why Consider Professional Indemnity & Public Liability Insurance?
Professional Indemnity and Public Liability Insurance provide complementary protection for your business.
While Professional Indemnity helps protect the professional advice and services you deliver, Public Liability Insurance responds to claims arising from your everyday business activities. Together, they help safeguard your business, your reputation, and your financial future.
Protect More Than Your Business
No business expects to face a claim, but even experienced professionals can be accused of making an error or causing financial loss.
Professional Indemnity and Public Liability Insurance form an important part of your overall risk management strategy, helping protect your business, reputation and future growth.
WE’RE HERE TO HELP
Find answers to common questions
Get clear answers about Professional Indemnity insurance for mortgage and asset finance professionals — how it works, what it covers, and when it responds.
PI requirements can vary based on your services, business activities, and professional obligations. Professionals should consider cover that aligns with their specific practice needs.
For finance and mortgage brokers, ASIC Regulatory Guide 210 (RG 210) requires Australian Credit Licence (ACL) holders to maintain adequate Professional Indemnity insurance.
Mortgage and finance brokers operate under an Australian Credit Licence — either their own, or as an Authorised Credit Representative (ACR) authorised under another licensee's. This requirement applies at the licence level, ensuring adequate Professional Indemnity cover is maintained across the businesses operating under it.
Any business that interacts with clients, customers, or the public—whether in-person, on-site, or through products, can benefit from Public Liability cover. It’s especially important for firms where physical work, visits, or client interactions occur.
The appropriate level of Professional Indemnity cover will depend on factors such as the services you provide, annual revenue, client base, and overall business risk exposure. Seeking specialist advice can help ensure you have suitable protection in place.
Under ASIC Regulatory Guide 210, finance and mortgage brokers are generally required to maintain a minimum limit of indemnity of $2,000,000.
Our Professional Indemnity offering can provide limits of indemnity of up to $5,000,000. The policy also includes two automatic reinstatements. This means that if you purchase a $2,000,000 limit of indemnity, the policy can provide up to $6,000,000 in aggregate for multiple separate claims during the policy period, subject to the policy terms, conditions, and exclusions.
Yes. Merix powered by Pulse combines digital convenience with access to specialist support whenever you need assistance.
Some exposures may differ — dedicated cyber insurance may also be considered.
Merix powered by Pulse is expanding insurance solutions to include Cyber Event Insurance, Personal Cyber Protection, and other future member benefits.
Specialist cover. Broader protection. Built for your profession.
Terms, conditions, limits and exclusions apply. Refer to the PDS/Policy Wording.
Explore Knowledge Hub
Educational resources, risk management tools, and practical guidance built specifically for professionals and modern businesses.
Professional Indemnity Checklist
Understand what to consider when reviewing your PI cover.
Understanding PI Limits
Learn how indemnity limits may apply to your business obligations.
Disclaimer
* Exclusive Mortgage and Asset Finance Professionals pricing is available in Australia on annual premiums for Professional Indemnity and Public Liability policies issued through Pulse Insure, subject to eligibility. Pricing benefits are embedded in the quoted premium and may vary by policy and individual circumstances. Please review the policy wording and disclosures before making any decision. Terms, Conditions, limits and exclusions apply.
† Unlimited retroactive cover is subject to the policy terms, conditions, exclusions, and underwriting approval. Eligibility criteria apply.
Pulse Insure distributes insurance as an Authorised Representative of Aviso Specialty Pty Ltd ABN: 25 050 242 914 | AFSL No: 244386. PI & PL Insurance issued by Guild Group Holdings.