Professional Indemnity Insurance for Health Professionals

Choosing the right Professional Indemnity Insurance policy.

When selecting the Professional Indemnity Insurance cover that is right for you, it is important that you make an informed decision as no two policies are the same. This is the time to ask yourself:

  • What am I getting cover for?
  • How will my policy respond?
  • What additional covers am I getting?
  • Strength of the Insurer
  • Is my policy a combined limit (master policy) that shares a limit with other nurses/allied health or is my policy limit individual?

An Insurers, strength plays an important factor in our selection process before developing a product. This is why our Health Professionals Professional Indemnity Insurance Policy is backed by Vero Insurance – part of the Suncorp Group (AAI Limited Trading As Vero Insurance ABN 48 005 297 807) an Australian and ASIC approved insurer backed by a strong position in the professional indemnity market.

To make things easier for you, we have listed below our main policy features including a short explanation of the cover. This list is not intended to be exhaustive and for full features benefits and conditions please see the policy wording or contact us – we’d love to talk with you!

Professional Indemnity Insurance Policy Features


Civil liability insuring clause
 covers claims against you arising out of the healthcare services you provide. Includes:
  • contractual liability
  • breach of professional duty
  • breaches of consumer protection legislation
  • libel / slander
  • infringement of intellectual property rights
Privacy complaints
 covers claims against you if you inadvertently breach privacy laws, including in relation to patient records
Inquiry costs
costs for your attendance at inquiries such as coronial inquiries or inquiries by professional bodies
Public relations expenses
 the cost of hiring a public relations firm to prevent or limit the adverse effects of negative publicity
Good Samaritan acts
covers your liability where you render or fail to render first aid or assistance in an emergency situation or accident
Statutory liability
 defence costs at proceedings brought under OH&S or environmental law and, to the extent permitted by law, fines imposed under OH&S, environmental law or other compensatory civil penalties.
Sixty day reporting period
60 day period after the expiry of the policy period in which to report claims first made during the policy period.
Compensation for court attendance
 $250 per person per day subject to a maximum of $10,000 for all persons per claim
Legal Consultation
2 hours of free legal advice from our nominated legal adviser on any matter related to the risks insured under the policy.
Spousal Liability
covers an insured’s spouse where they are included in a claim in order to seek recovery from them by reason of their legal status as a spouse of the insured.
Joint Venture Liability
The Insurer will indemnify the Insured against civil liability for compensation and claimant’s costs and expenses in respect of any Claim first made against the Insured and notified to the Insurer during the Policy Period resulting from the Policyholder’s participation in any joint venture in connection with the Healthcare Services
Public & Products Liability*
Excluding Midwifery* – Public & Products Liability is Automatically included in our policy.Cover insures against any civil liability for compensation and claimants costs and expenses for personal injury, and/or property damage in connection with running your healthcare business but not in relation to any treatment given.

Who can we cover?

  • Acupuncturist
  • Aboriginal Health Worker
  • Aged Care Worker
  • Audiologist
  • Cosmetic Nurse
  • Counselling & Social Work
  • Dietician
  • Enrolled Nurse/Endorsed Nurse
  • Exercise Physiologist
  • First Aid Trainer
  • Healthcare Program Manager
  • Homeopath
  • Massage Therapist
  • Mental Health Nurse
  • Natural Therapist
  • Naturopath
  • Nurse Practitioner
  • Nutritionist
  • Occupational Therapist
  • Optometrist
  • Osteopath
  • Orthotist
  • Paramedicine
  • Physiotherapist
  • Podiatrist
  • Practice Manager
  • Practice Nurse
  • Primary Healthcare Nurse
  • Psychologist
  • Registered Nurse
  • Rehabilitation Consultant/Counsellor
  • Rural Nurse
  • Speech Pathologist

Importantly, because we understand that everyone’s circumstances are different, we can cover a combination of the above categories for those professionals assisting in multiple capacities.

If you are unsure as to the where your current activities would slot into one of the definitions above, or if you have any questions, please feel free to contact us – we are always happy to help.

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