Whether you’re a dietician, massage therapist or healthcare centre operator, explore a range of covers to help protect your business.
If you work as an allied health professional, such as a physiotherapist, chiropractor, psychologist or dietitian.
If you offer other health services as part of your practice. For example, if you work as an acupuncturist, aromatherapist, beauty therapist or Bowen therapist.
Health and medical professionals often work closely with the public, offering services and advice to their patients or clients. These responsibilities can put your business at risk of certain things going wrong, such as if:
Professional Indemnity Insurance can protect your business if you provide negligent or mistaken professional advice or services that negatively impact your clients.
You can also add cover for other parts of your business like your equipment, stock, vehicle or business premises when you build your business insurance policy.
Here are some of the covers available when you get your Business Insurance. You can mix and match to create a policy with the covers you’re looking for.
For compensation claims if your business accidentally causes an injury or property damage and you’re found to be liable for it2.
Covers insured property like buildings, contents or stock, for damage from fire, storms and other covered causes2.
Covers insured property like business contents and stock from loss or damage due to theft2.
For certain accidental breakages of items like your shopfront windows, glass shelving and display cabinets2.
Covers insured property like business contents and stock from loss or damage due to theft2.
Cover for certain loss (as detailed in your PDS), if your business is interrupted by specific types of damage2.
Cover for your office’s computer systems or electronic equipment, for sudden and unforeseen breakdown or damage from specified events like fire or storm2.
Cover for sudden and unforeseen breakdown of your specified business machinery2.
Cover for loss of money or goods caused by employee fraud or dishonesty2.
Covers insured property like tools and devices while they’re away from your business premises, against specific events like theft from a locked vehicle2.
For professional costs if investigated or audited by the ATO or a government revenue office about taxes payable by your business2.
You can insure the vehicles or trailers used in your business, with different levels of cover available2.
This can provide you with a weekly benefit, if you can’t do your regular work due to a covered injury or illness2.
There are 3 ways to get a copy of your Certificate of Currency, Certificate of Insurance or tax invoice:
A Certificate of Currency is proof that you have an active policy.
A Certificate of Insurance shows what your policy covers, the amount covered and the period of cover.
The most common type of insurance for businesses is Public Liability Insurance. Professional Indemnity Insurance is another type of Business Insurance, which is designed for businesses that offer professional services or advice.
If a claim is made against your business and you’re found liable for causing injury, damage or financial loss to your client, you could face legal fees and damages. Professional Indemnity Insurance is designed to cover these costs and stop them putting pressure on your business’s cash flow.
Public Liability Insurance protects you and your business if it’s shown your negligence led to someone being injured or having their property damaged.
Professional Indemnity Insurance protects you in case of damage caused by your negligent or mistaken professional advice or services. For example, if you offer tax advice as part of your accounting practice and the information turns out to be incorrect and negatively impacts your customer.
You can get Public Liability Insurance, Professional Indemnity Insurance, or both when you get a quote.
There are 3 ways to get a copy of your Certificate of Currency, Certificate of Insurance or tax invoice:
A Certificate of Currency is proof that you have an active policy.
A Certificate of Insurance shows what your policy covers, the amount covered and the period of cover.
Mix and match our policy cover options and pay your premium by the month at no extra cost
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You can also ask us to contact you about a Business Insurance quote.
This is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determinations available from this website.
