Allied Health Combined Liability Insurance

Both Public Liability and Professional Indemnity insurance can protect your business from the result of a mistake or accident, but the types of mistakes and accidents they cover are different. 

Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities. This could be something as simple as a customer injuring themselves during a fitness class, or tripping over an unsecured electrical cable at your practice. 

Professional Indemnity insurance is designed to protect you against losses claimed by a third party due to alleged or actual negligence in your professional services or advice. While you no doubt always provide accurate and correct advice and services, accidents can happen – such as incorrectly diagnosing a patient and providing inappropriate care. 

For most businesses there is no insurance which in mandatory by the Australian government. But having insurance may be a requirement for certain customer contracts.  

That said, Public Liability insurance is an important consideration for allied health professionals. Even if you’re practice is home-based, the Public Liability insurance provided under your Home and Contents insurance may exclude claims relating to your business activities. Public Liability claims can cost businesses thousands, if not hundreds of thousands of dollars. To keep you business operational and profitable in the event of a claim, you may wish to consider Public Liability insurance.