Guild and Acerta.

Professional Liabilities
Insurance Playbook.

Who we are

About Guild Insurance

Who we are

  • Guild Insurance is a 100% Australian, wholly-owned subsidiary of the Pharmacy Guild of Australia.
  • Established in 1963, Guild Insurance provides business, professional indemnity, home & contents, workers compensation and pet insurance.
  • Guild Insurance is the largest entity within Guild Group Holdings, a leading provider of products and services tailored to allied health and community services professionals.
  • We serve more than 80,000 customers through both direct-to-consumer channels and referrals from over 50 partner associations.
  • We’re a multi-award-winning provider, including being named the 2021 Small General Insurance Company of the Year (Australia Insurance Industry Awards).
  • Strong and secure business with A.M. Best rating of A– (Excellent), with a stable outlook.

We've been one of Australia's most trusted insurance providers for allied health professionals for over 60 years.

Who we are

About Acerta

Who we are

Acerta is Guild Insurance's intermediary division. Innovation is core to everything we do, underpinning our commitment to drive business growth for all of our industry partners.

Our strength lies in our relationships. Only a phone call away, we’re committed to prompt, well-considered, decision-making so you can do the same for your clients.

  • A– Rating
  • Australian owned
  • 60+ years of industry experience

Putting your profitability first, Acerta offers a real partnership that gives you exclusive access to some of the most competitive products in the insurance market. You'll be partnering with an independently-owned Australian company with an APRA-regulated A.M. Best A- rating and over 60 years of experience.

Our services

Momentum Insurance Platform

Our Momentum platform, compatible across all desktop and mobile devices, enables you to distribute highly competitive insurance policies and manage them through an automatic, secure payment and settlement gateway. We offer INSIGHT and Salesforce integrations.

Drive new business and streamline your processes with 24/7 access to Momentum. With real-time reporting, underwriting issue identification, renewal notifications, and prompt settlements that are always accessible, you'll never miss a beat.

Insurance products
All products are supported by an experienced team, ready to provide responsive broking advice and professional insight. We specialise in:

  • Landlords’ Insurance
  • Business Insurance including self-storage facility, retail and franchise businesses
  • Commercial Property Owners
  • Professional Liabilities Insurance

Who we are

Why we're different

Designed to empower brokers just like you.

Intuitive and broker-friendly interface

Embedded guidance, tooltips and self-service support

Adjust commissions and broker fees with ease

Target premium field offering 10% discretion without the need for referral

Automated renewals, customisable skins, extensive configurability, and support for schemes

Minimal referral requirements, real-time interface updates, and an optimised, lag-free navigation experience

Document management feature, allowing you to securely store all essential documents and retrieve them instantly with a single click

Secure access via Multi-Factor Authentication and role-based permissions

End-to-end encryption with regular security testing and ISO-aligned protocols

Hosted in Australia and compliant with the Privacy Act

Extensive expertise and a proactive, can-do approach

Local decision-making for efficient, personalised service

Underwriters are equipped to provide expert advisory support, helping you successfully place insurance with us

Integrity and high-quality claims servicing underpins our customer value proposition

Experienced in-house claims specialists, supported by a trusted panel of legal experts, ensure a seamless and informed claims process

Consistently achieves a market-leading NPS score reflecting exceptional customer satisfaction

Product suite

Product suite, capacity and fee limits


Product
Summary

Distinctive coverage within each policy wording.

  • Comprehensive descriptions of professional services
  • Consolidated professional services exclusions streamlined into a single clause for simplicity
  • Complimentary 7-year run-off cover available for select professions
  • Exclusive benefits designed to enhance protection

Pricing that secures new business

  • Optimal balance of price and coverage in select markets
  • Flexible target premium options and customisable commissions

Maximum Professional Indemnity Limit: $10,000,000
Maximum Public and Products Liability Limit: $20,000,000.

Maximum Fees: $10,000,000
Exception is $5,000,000 for:

  • Accountants, and
  • Finance and Mortgage Brokers

Product suite

Wording highlights and overview

Our Professional Liabilities Insurance suite of products offers a convenient package combining Professional Indemnity and Public and Products Liability in one comprehensive policy. 

Professional Indemnity is included as standard and Public and Products Liability cover can easily be added, if needed.  For IT Consultants, both covers are standard inclusions.

Professional Indemnity

Coverage and additional benefits

  • Broad Civil Liability insuring clause
  • Broad Professional Services Description: often linked to activities as defined by any related professional association
  • Advancement of Defence costs for covered claims
  • Claim Mitigations Costs: sub-limit $100,000
  • Claim Preparation Costs: sub-limit $25,000
  • Court Attendance: sub-limit $50,000
  • Automatic cover for related training services, referral services and any expert witness advice
  • Breach of Warranty of Authority: sub-limit $250,000
  • Free 7-year Run-off Cover for select markets: conditions apply
  • Difference in Sub-Limits Cover: 2-year limitation period
  • Difference in Conditions Cover: 2-year limitation period
  • Extended Continuity of Cover: 1-year limitation for prior policies
  • Fidelity Cover: sub-limit $50,000, higher limits may be available
  • Free telephone legal advice up to 2 hours
  • Inquiries and Proceedings Cover: sub-limit $500,000
  • Loss of Documents: sub-limit $1,000,000
  • Public Relations Costs: sub-limit $100,000
  • Vicarious Liability Cover: for agents, consultants and contractors
  • Statutory Liability Cover: sub-limit $250,000
  • Multiple reinstatements available for select markets
  • Retroactive Date: Unlimited as standard, subject to claims experience
  • Territorial Limitation: excluding the USA and Canada
  • Jurisdiction Limitation:Australia

Public and Products Liability

Coverage and additional benefits

  • Public and Products Liability: covering legal liability for compensation related to Bodily Injury, Property Damage, or Advertising Liability in connection with your business and your products
  • Defence Costs: covers Defence Costs, legal costs awarded against you, reasonable first aid expenses at the time of Bodily Injury and costs for temporary repairs to covered damaged property
  • Care, Custody, or Control: covers legal liability for Property Damage to leased or rented premises, temporarily occupied premises, property worked on, employee property, vehicles or contents in your car park, and other property in your temporary control
  • Claim Preparation Costs: covers necessary and reasonable expenses (excluding Defence Costs) incurred in preparing the defence to a covered claim
  • Cross Liabilities: covers each insured person or entity as if a separate policy were issued without increasing the Limit of Liability
  • Joint Venture Liability: covers legal liability arising from participation in joint ventures in connection with your business, excluding coverage for other joint venture parties

Excess

  • Professional Indemnity: Nil for most professions, with others starting from $1,000
  • Public and Products: $250
  • Excess is Exclusive or Inclusive depending on profession

Professional Services Exclusions

  • Collated in a single clause for ease of reference

Product suite

Product profiles

The range of Acerta Professional Liabilities Insurance Policies

Policy Structure: Claims made Professional Indemnity
Occurrence-based Public and Products Liability
Target Profession: Accountants
Reinstatements: Unlimited
Limit: Costs Inclusive
Excess: Costs Inclusive
Public and Products Liability: Optional Extension
Fidelity: $50k automatically included – higher can be considered
Cover: Broad, Professional Services Description
Considerations:
  • Professional Services linked to professional accounting body
  • External Dispute Resolution Scheme - no sub limit applied
  • Revised cancellation endorsements for Self-Managed Superannuation Fund Auditors as required by legislation
  • Clear definition of Financial Institution
  • Reduced exclusionary language
  • Investment loss, not investment advice exclusion

Professional Services Description

Means the provision of the following accounting services:

  • Accountancy computer software consultancy
  • Accounting compliance consulting
  • Accounts preparation and reporting
  • Auditing
  • Business Activity Statement (BAS) Agency or Services
  • Bookkeeping
  • Business valuations
  • Company secretarial, directorships, executorships and trusteeships in the capacity of an accountant
  • Financial advice under a Limited Australian Financial Services Licence
  • Forensic accountancy
  • Insolvency, liquidation, receiverships and bankruptcies
  • Management and business consultancy
  • Migration agency services
  • Mortgage and finance broking
  • Self-managed super fund auditor
  • Taxation advice and services, including Good and Services Tax (GST) advice
  • Tax agency services
  • Any other accounting services as defined by an Australian professional accounting body
  • Any other services specifically agreed to by Us and stated in the Schedule

Out of appetite:

  • Audit of publicly listed companies and financial institutions
  • Mergers and Acquisitions (M&A)
  • Financial planning services
Policy Structure: Claims made Professional Indemnity
Occurrence-based Public and Products Liability
Target Profession: Training and Education Consultants and Institutions
Reinstatements: 2
Limit: Costs Inclusive
Excess: Costs Exclusive
Public and Products Liability: Optional Extension
Fidelity: $50k automatically included – higher can be considered
Cover: Broad, Professional Services Description
Look out for:
  • Exclusion for physical aviation, watercraft, trains and underwater and extreme sports
  • $250k BI/PD: sub-limit for infant, driver and animal training
  • Molestation Exclusion

Professional Services Description

Means the provision of the following education and training services:

  • Designing and optimising training programs for individuals or organisations
  • Evaluating and aligning training programs
  • Facilitating, providing and creating teaching materials
  • Placing students in the workforce to gain practical work experience as part of any qualification prerequisites
  • Project management in relation to any of the services listed above
  • Other education or training services as defined by any professional education or training association or body
  • Any other services specifically agreed to by Us and stated in the Schedule

Within appetite:

  • Animal Training: dogs, cats, horses, etc
  • Classroom and Virtual Training: Business Education, professional CPD Points, quality assurance, sports, software, compliance audit, safety, etc
  • Infant and Toddler Training: Breastfeeding, sleep, parenting, potty, etc
  • Learner Drivers Training: Cars, motorcycles and trucks
  • Personal Development Training: brain training, life coaching, motivation, positive thinking, leadership, career, etc
  • Simulation Training: flight, car, submarine, drone, trucks
  • Sports Training: tennis, football, netball, track and field, archery, martial arts, chess, running, etc
  • Student and Adult Tutoring: maths, English, language, numeracy, science, etc
  • Theatre and Arts Training: Arts, theatre, music, acting, cooking, dancing, pole-dancing, roleplaying, etc
  • Student/Candidate work experience placement services to gain the prerequisite requirements for qualifications

Out of appetite:

  • Physical aviation, watercraft, underwater and train driver training, flight schools, etc
  • Personal Trainers and gyms
  • Physical construction and machinery training: forklifts, crane, trucks, scaffolding, etc
Policy Structure: Claims made Professional Indemnity
Occurrence-based Public and Products Liability
Target Profession: Finance and Mortgage Brokers
Reinstatements: 2
Limit: Costs Inclusive
Excess: Costs Exclusive
Public and Products Liability: Optional Extension
Fidelity: $50k automatically included, higher can be considered
Cover: Broad, Professional Services Description
Additional coverage:
  • External Dispute Resolution Scheme
  • Issuance of deposit bonds
Look out for:
  • Exclusions with respect to lending own funds
  • Acting under a delegated lending authority
  • Claims made by a financial institution

Professional Services Description

Means the provision of the following professional services:

  • Finance Broking
  • Mortgage Broking
  • Mortgage Management
  • Arranging deposit bonds
  • Any other mortgage and finance broking services as defined by an Australian professional mortgage or finance broking body; and
  • Any other services specifically agreed to by Us and stated in the Schedule

Out of appetite:

  • Low doc greater than 5%
  • Source of funds outside banks and building societies greater than 5%
Policy Structure: Claims made Professional Indemnity
Occurrence-based Public and Products Liability
Target Profession: Information Technology Consultants
Reinstatements: 2
Limit: Costs Inclusive
Excess: Costs Exclusive
Public and Products Liability: Compulsory extension
Fidelity: $50k automatically included – higher can be considered
Cover: Broad, professional services description
Additional clarification: Broad definitions for:
  • Data
  • Information technology products
Look out for:
  • Exclusions with respect to certain activities
  • Services to banks, financial institutions, aviation, etc

Professional Services Description

Means the provision of the following information technology services:

  • Application service provider
  • Billing services
  • Building management services, including but not limited to: lifts, HVAC, lighting, access control, fire and evacuation management
  • Data communication services
  • Data processing and warehousing
  • Education and training
  • Help desk services
  • Installation or configuration of software or hardware, including virus protection software
  • Integration services, including but not limited to Application Programming Interface (API) services
  • Internet service Providers / web hosting / internet services as a reseller only
  • Information technology general consultancy
  • Information technology recruitment and placement services
  • Managed Service Providers (MSP)
  • Security CCTV and systems supply and installation
  • Software and hardware: development and programming services
  • Software and hardware sales: own developed or exclusive importer
  • Software and hardware sales: reseller
  • System integration services
  • Telecommunications services, including but not limited to mobile phone, fixed line, PABX and VoIP services
  • Any other information technology services as defined by an Australian-based information technology association
  • Project management, network and maintenance services relating to any of the services listed above; and
  • Any other services agreed to by Us and stated on the Schedule

Out of appetite:

  • Internet Service Provider / Web Hosting / Internet Services: Tier 1 and Tier 2 Providers
  • End of Life (EoL) Systems Programming
  • Cyber Security: Managed Security Services Providers (MSSP)
  • Research and Development
Policy Structure: Claims made Professional Indemnity
Occurrence-based Public and Products Liability
Target Profession: Management Consultants
Reinstatements: Unlimited
Limit: Costs Inclusive
Excess: Costs Exclusive
Public and Products Liability: Optional Extension
Fidelity: $50k automatically included – higher can be considered
Cover: Broad, professional services description
Look out for:
  • Investment advice exclusion as required by an AFSL
  • Construction or project management services

Professional Services Description

Means the provision of the following management consultancy services:

  • Analytical consulting
  • Annual report consulting
  • Brand and image consulting
  • Budget consulting
  • Business management and consulting
  • Change management and organisational structure consulting
  • Communication consulting
  • Human resources consulting, including but not limited to, recruitment, training and talent management
  • Information technology and digital strategy consulting
  • Market research consulting
  • Operations and outsourcing consulting, including but not limited to vendor consulting
  • Policies and procedures development, management consulting
  • Quality assurance consulting
  • Response for tender consulting
  • Risk and compliance consulting
  • Sales, marketing and strategy consulting and planning
  • Work, health and safety consulting
  • Workflow processes, improvement planning and consulting
  • Any other services as defined by any Australian professional association in respect to management consulting services
  • Coordination, planning, event management, project management, and production services in relation to any of the services listed above; and
  • Any other service specifically agreed to by Us and stated in the Schedule

Out of appetite:

  • Investment advice as required by an AFSL
  • Commercialisation of products
  • Corporate advisory: M&A
Policy Structure: Claims made Professional Indemnity
Occurrence-based Public and Products Liability
Target Professions: While our portal features a wide range of occupations, we're also open to considering many professional services beyond this
Reinstatements: 2
Limit: Costs Inclusive
Excess: Costs Exclusive
Public and Products Liability: Optional Extension
Fidelity: $50k automatically included – higher can be considered
Cover: As selected or drafted
Look out for:
  • Investment advice exclusion

Professional Services Description

The professional services description will reflect the occupation chosen through the Acerta Momentum system or as agreed upon between the broker and underwriter.

Within appetite:

  • Anthropologist
  • Archaeologist
  • Botanist
  • Budget Planning Consultant
  • Business Coaching
  • Call Centres
  • Carbon Emission Consultant
  • Career Consulting
  • Civil Marriage Celebrant
  • Compliance Consulting (excluding building industry)
  • Counsellor / Mediator
  • Customs Agent
  • Energy Efficiency Consultants (residential)
  • Event Management (conference management)
  • Funeral Director
  • Hairdresser
  • Life Coaches
  • Linguist
  • Loss Assessor / Loss Adjustor
  • OHS Consultants
  • Photographer
  • Policy Advisory Consultant
  • Private Investigator
  • Quality Assurance Assessor
  • Resettlement Consultant
  • Social Worker
  • Sports Coaches
  • Statistician
  • Strategic Business Planning
  • Technical Writer
  • Title and Legal Searches
  • Traffic Planners
  • Translators
  • Librarian
  • Wedding Planners, etc
  • And much more

Limited appetite:

  • Franchisors can consider coverage for marketing, training and HR-type services

Out of appetite:

  • Freight Forwarders
  • Patent Attorneys
  • Medical Malpractice
  • Manufacturing Risks including design and manufacture
  • Insurance Brokers and MGA’s
  • Financial Institution Risks:
    • Stockbrokers
    • Financial Planners
    • Real Estate Investment Schemes
    • Financial Advisors
    • Investment Managers
    • Para-Planners
    • Fund Managers
    • Superannuation Fund Managers
  • Environmental Risks / Asbestos / Bushfire Assessors
  • Valuers
  • Design and Construct Risks / Single Project Risks
  • Solicitors and Conveyancers
Policy Structure: Claims made Professional Indemnity
Occurrence-based Public and Products Liability
Target Professions:
  • Advertising and Marketing Agency and Services - Billboards, TV etc
  • Brand and Image Consultants
  • Copywriters
  • Content Providers and Consulting - Film and Television Providers (documentaries etc) and Consulting
  • Editing Services
  • Graphic Designers/Website Designers
  • Journalist
  • Market Research Consulting
  • Marketing Services
  • Photography Services
  • Printing Services
  • Publishing - Newspapers, Magazines, Books and other media
  • Public Relations Consulting
  • Radio and TV Broadcasting
  • Technical Writers & Authors
Reinstatements: 2
Limit: Costs Inclusive
Excess: Costs Exclusive
Public and Products Liability: Optional Extension
Fidelity: $50k automatically included – higher can be considered
Cover: Broad, professional services description
Look out for:
  • Bodily Injury and or Property Damage greater than $250k for any event planning
  • Client sign-off

Professional Services Description

Means the provision of the following multimedia services:

  • Advertising and marketing services
  • Brand and image consultancy
  • Copywriting
  • Content providers and content consulting
  • Editing services
  • Graphic design and related website design services
  • Journalism
  • Market research consulting
  • Photography
  • Printing services
  • Publishing
  • Public relations consultancy
  • Radio broadcasting
  • Technical writers and authors
  • Any type of multimedia medium, such as texts, images, audio, video or animation
  • Any other services as defined by any Australian professional association in respect to the above multimedia services
  • Coordination, planning, event management, project management and production services in relation to any of the services listed above; and
  • Any other services specifically agreed to by Us and stated in the Schedule
Policy Structure: Claims made Professional Indemnity
Occurrence-based Public and Products Liability
Target Profession: Real Estate Agents
Reinstatements: 2
Limit: Costs Inclusive
Excess: Costs Inclusive
Public and Products Liability: Optional Extension
Fidelity: $50k automatically included – higher can be considered
Cover: Broad, Professional Services Description
Additional coverage:
  • Use of Drones - $100,000 sub-limit
  • Contamination of Property - $100,000 sub-limit
  • Arranging landlords residential property insurance when acting as an agent of an AFSL Holder
Look out for:
  • Valuation exclusion, conveyancing exclusion, but no exclusion for commingling of funds

Professional Services Description

Means the provision of the following real estate agent and/or strata management services:

  • Arranging Landlords’ Residential Property Insurance as an Authorised Representative of an Australian Finance Services Licensee
  • Asset and facility management
  • Auctioneering (sales, land and livestock)
  • Body corporate/strata title management: commercial
  • Body corporate/strata title management: residential
  • Independent buyer’s agents or advocacy
  • Property appraisals (excluding property valuations)
  • Property management: commercial (including rent collection)
  • Property management: residential (including rent collection)
  • Real estate sales: commercial and residential
  • Real estate sales: off-the-plan property
  • Stock and station agent
  • Any marketing or advertising services with respect to the above
  • Any other real estate services as defined by any Australian state-based real estate institute or any Australian-based strata management professional body; and
  • Any other services specifically agreed to by Us and stated in the Schedule

Out of appetite:

  • Valuation services
  • Business broking
  • Conveyancing
Policy Structure: Claims made Professional Indemnity
Occurrence-based Public and Products Liability
Target Profession: Recruitment Consultants
Reinstatements: 2
Limit: Costs Inclusive
Excess: Costs Exclusive
Public and Products Liability: Optional Extension
Fidelity: $50k automatically included – higher can be considered
Cover: Broad, professional services description
Additional coverage:
  • Labour hire for certain white collar and allied health professionals
  • Migration services
Look out for:
  • Abuse exclusion

Professional Services Description

Means the provision of the following recruitment services:

  • Career consulting and counselling
  • Change management and organisational structure consulting
  • Human resources consulting including policies and procedures
  • Labour hire or on-hired services for the following white collar or allied health professions:
    • Office administration
    • Allied health staff
    • Accountants and bookkeepers
    • Information technology consultants
    • Management consultants and project managers
    • Teachers or trainers
    • Migration services
  • Occupational health and safety consulting, including but not limited to workplace assessments
  • Psychological testing
  • Recruitment and permanent placement services, including but not limited to:
    • Advertising
    • Position briefings
    • Preparing job descriptions
    • Candidate sourcing, headhunting, screening and interviews
    • Resume preparation
    • Reference and records checking
    • Qualification verification
    • Pay negotiation and employment matching services
    • Induction
    • Professional development and related training
  • Recruitment administration, including but not limited to, payroll, taxes, superannuation and workers compensation insurance administration
  • Any other recruitment services as defined by the Recruitment, Consulting and Staffing Association (RCSA) or any other recruitment professional body; and
  • Any other services specifically agreed to by Us and stated in the Schedule

Out of appetite:

  • Labour hire for blue collar
  • Certain labour hire activities
  • Conduct as a Medical Practitioner
Policy Structure: Claims made Professional Indemnity
Occurrence-based Public and Products Liability
Target Profession: Travel Agents and Tour Operators
Reinstatements: 2
Limit: Costs Inclusive
Excess: Costs Exclusive
Public and Products Liability: Optional Extension
Fidelity: $50k automatically included - higher can be considered
Cover: Broad, professional services description
Look out for:
  • BI/PD greater than $150k from tour operating
  • Extreme sports
  • Other types of insurance with a writeback for travel insurance only

Professional Services Description

  • Flight, accommodation and tour booking services
  • Travel consultancy services including, but not limited to, general travel advice and recommendations, safety tips and visa services:
  • Tour operation services
  • Travel insurance services
  • Wholesale travel services
  • Any marketing or advertising services with respect to the above
  • Any other travel agency services as defined by the Australian Travel Industry Association or any professional travel agent body
  • Any other services agreed to by Us and stated on the Schedule

Out of appetite:

  • High-risk tour operators

Working with us

How to access Momentum

To access Momentum, call us on 1800 253 945 to set you up and gain access to our products or email us at momentum@acerta.com.au

Our products come with a standard commission structure, with opportunities for adjustments based on negotiated terms. We’re also able to offer additional benefits depending on various coverage arrangements.


Working with us

Portfolio discussions and partnerships

We welcome discussions on portfolio considerations, whether for specific professions or entire portfolios.

Our approach includes:

  • Tailored endorsements such as tax audits, employment practice liability, sub-limits, and other specialised options can be considered.
  • Flexible commission structures to suit unique arrangements.
  • Adaptable sub-limits for fidelity, inquiry costs, and lost documents.
  • Strategic development of a Go-To-Market Strategy to enhance market positioning.
  • The ability to assess and accommodate complex risks, including limits, turnover, and thresholds.
  • Increased sub-limits for select coverages within policy wordings.

We can explore any distinctive coverage needs or considerations.

If you have a unique requirement, we're here to collaborate and find solutions that work for you.

Building strong partnerships can foster deeper collaboration through:

  • Sponsorship opportunities that enhance mutual visibility and engagement.
  • Strategic client meetings to strengthen relationships and drive success.
  • Comprehensive CPD training to support staff development and expertise.
  • Dedicated assistance in securing new business opportunities.

Let’s join forces to maximize value and create lasting impact.

Working with us

Key contacts

Underwriting

Aiden Whaler
Assistant Underwriter

171 Collins St, Melbourne, VIC 3000
P: +61 3 9810 9140   
E: awhaler@acerta.com.au 

Portfolio Discussions

Bill Yildiz
Head of Intermediated
Professional Indemnity

Level 47, 25 Martin Pl, Sydney, NSW 2000
P: +61 2 7200 2816
M: +61 466 489 805
E: byildiz@guildinsurance.com.au

Claims

Andrew Appleton
Head of Casuallty Claims

Level 1, 132 Leichardt St, Spring Hill, QLD 4000
P: +61 2 8284 1855 
E: aappleton@guildinsurance.com.au

Systems Access and Support

Kap Easwaranpillai
Product Lead – Intermediary

171 Collins St, Melbourne, VIC 3000
P: +613 7000 0449
E: keaswaranpillai@acerta.com.au

Broking Agreements

David Fischer
National Distribution Leader – Acerta

171 Collins St, Melbourne VIC 3000
P: +613 9810 9764
E: dfischer@acerta.com.au

Important links

Important links

The information provided in this brochure is accurate as of 2025. Please note that our insurance products, terms, and conditions may change over time. We recommend reviewing the most up-to-date policy details and product offerings on our website or contacting our team to ensure you have the latest information.

ACT471950 Acerta Intermediated PI Playbook 072025

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