Why do Allied Health Professionals need it?
As an allied health professional, small mistakes can have big consequences. So while you’re busy looking after your clients, we’ll look after your reputation. With just a few clicks or a single phone call, you’ll get multiple competitive quotes from leading insurers. Select your preferred policy and you’ll be covered instantly, so you can continue running your business without any worries.
Did you Know?
BizCover is the preferred insurance partner of the Naturopaths and Herbalists Association of Australia. If you’re a NHAA member you’ll save on your Professional Indemnity & Public Liability cover with our exclusive member rate.
Insurance for Allied Health Professionals
Whether you’re a naturopath, podiatrist, speech pathologist or psychologist your clients trust your expertise and knowledge to treat a variety of ailments. Just like medical practitioners, it’s an unfortunate reality that allied health professionals are susceptible to the risks of making an error or providing misleading advice, leaving you open to claims of negligence.
A compensation claim against you could potentially cripple your business, not to mention ruin your reputation. Professional Indemnity insurance will protect your business from financial losses by covering legal fees, settlements and court costs associated with any legal action made against you for negligence or allegations of providing a poor quality service.
Allied Health covers a broad range of modalities, including:
- Aged and/or Disability Care Worker
- Beautician / Beauty Therapy
- Dietitian (Nutritionist)
- First Aid Worker
- Massage Therapists
- Occupational Therapists
- Social Workers
- Exercise Physiology
- First Aid Trainer
- Life Coach
- Martial Arts
- Natural Therapists
- Personal/Fitness Trainer
- Speech Therapy
- Yoga Instructors
Whether you work from your own practice or you visit your clients at another location, you’re always in close contact with them, making Public Liability insurance an essential cover for allied health professionals. Slips, trips, or other mishaps caused by your business activities, including the products you sell, means your business is at risk of claims for personal injury or property damage.
Public Liability insurance will ensure you’re protected from such claims by covering any compensation payable, as well as your legal and defence costs.
Remember, if you have a home-based practice the Public Liability cover under your Home Insurance may not cover incidents related to your business activities.
Your clients are important, but so are your business assets. Without the right cover, you could be hit with a few unwanted challenges that could leave you severely out of pocket. Consider cover for your contents, stock and buildings to protect against fire, storm, theft, vandalism and accidental damage.
Business Interruption cover will ensure you get back on your feet in no time by covering the increased costs of running your business, as well as lost revenue while it is of action due to an insurance event.
Chances are you handle sensitive information about your clients, whether its details about their personal health or billing information, which puts you at risk of cyber attacks and data breaches. Cyber Liability covers against the expense and legal costs, including fines and penalties, following a data breach from being hacked or from the theft or loss of client information.
A treatment gone wrong
An experienced laser therapist, performed IPL laser treatment on a regular client to remove pigmentation on her face. Despite carrying out a patch test prior to the treatment with no side effects, the client ended up suffering a severe reaction which left burns and scarring to her forehead. Unfortunately her client lodged a claim, claiming that she was unable to lead a normal life due to suffering severe psychological trauma as a result of the scarring. The matter was settled for a whopping $76,000, including defence costs which were paid under her Professional Indemnity policy.
Always easy to use the website and any contact has been fantastic and very positive. Thanks for making things so simple and affordable
So easy I am IMPRESSED it took 5mins SERIOUSLY
I have been unsure of what and how to go about purchasing my insurance. Came across biz cover and I felt relieved. Thank you so much guys, I will now wait for my insurance documents to be emailed
Thanks so much this was so simple, and saved me $200 from previous insurance company. Thankful for my friend’s recommendation.
Thanx guys for such a quick and easy transaction… Awesome…5 Star all the way!
This was the most easy and clear process for getting insurance, with choices and options, and most importantly offering the exact insurance I required with an option to add on later. Thank you.