What is Allied Health Combined Liability insurance?

Whether you’re a Zumba instructor or master of acupuncture, get zen of mind knowing that you have comprehensive insurance in place with this tailored coverage. The allied health industry encompasses many professions which involve giving advice and interacting with clients, so it makes sense to protect against both kinds of risks.

The Allied Health Combined Liability insurance product includes protection for Professional Indemnity and Public Liability insurance* and is available for over 200+ allied health professions.

Here’s a snapshot of what Professional Indemnity and Public Liability insurance provide cover for.

Professional Indemnity insurance

A Professional Indemnity claim could be enough to cripple your allied health career for good, impacting both your hip-pocket and hard-earned reputation.

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. Your Professional Indemnity insurance will meet the associated compensation payable to the third party together with your defence costs (which can include legal costs, investigator costs and expert fees). In addition, costs incurred in responding to disciplinary action are covered.

For many allied health professionals, holding a Professional Indemnity policy is a registration requirement

Public Liability insurance

Regardless of whether you work from your own practice or out and about, when you’re interacting with clients, Public Liability insurance is an important consideration for allied health professionals. 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

Only too often slips, trips and other mishaps caused by accidental negligent business activities means there is a risk of personal injury or property damage claims being made against your business.

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.

 
 

*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.



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