Affordable Professional Indemnity Personal Counselling Service

Affordable Professional Indemnity Personal Counselling Service

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Insurance for Allied Health Professionals

... Professionals Professional Indemnity Professional Indemnity (PI) insurance provides essential financial protection for Allied Health Professionals for claims made against them in carrying out their professional services ...

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BizCover and NSNZ

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BizCover and Reflexology NZ

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BizCover and Massage New Zealand

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Insurance for Architects & Designers

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What Risks Do Psychologists Face?

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Insurance for Counsellors

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How To Start a Psychology Practice

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Professional Indemnity

... Compensation Commission (ACC). Professional Indemnity Professional Indemnity (PI) insurance is an important form of protection for businesses that provide specialist services or professional advice. It is designed ...

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What is Professional Indemnity Insurance?

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Tradie Guide to Professional Indemnity Insurance

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Turn your side hustle into a small business

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Insurance for Bookkeepers

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Insurance for IT Professionals

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Insurance for Immigration Advisers

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Insurance for Consultants

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Insurance for Travel Agents and Tour Operators

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Insurance for Recruitment Consultants

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Insurance for Personal Trainers

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Insurance for Contractors

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Insurance for Designers

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Insurance for Education Consultants

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Public Liability Insurance

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Business Insurance Health Check Part 2

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Insurance for Mechanics

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Insurance for Shop Owners

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What does Public Liability Insurance Cover?

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Insurance for Massage Therapy

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Insurance for Sole Traders

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Insurance for Carpenters

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Statutory Liability Insurance

... Professional Indemnity insurance is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. PI ...

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BizCover & NZTA

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Understanding the risks for Real Estate Agents

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Insurance for Mortgage Brokers

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Insurance for Real Estate Agents

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Insurance for Engineers

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Insurance for Accountants & Tax Agents

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Insurance for Beauty Salons

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How Accountancy Insurance Protects Your Business

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How Insurance Can Protect Landscape Architect

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Insurance for Psychologists

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Business Insurance FAQs

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Work Smarter as a Massage Therapist

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What are the Risks in Running a Yoga Studio?

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Hair Salon Business Tips

... damage, and personal injury or ... service could be wrong and damage your clients, and you may be liable if a claim were made against you. This is why an important type of insurance for beauty salons is Professional Indemnity ...

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What Insurance Policies do Yoga Studios Need?

... resulting from actual or alleged negligent acts or omissions in the provision of your service or advice. A Professional Indemnity policy will also assist with the legal costs associated with responding to or managing ...

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What Insurance do Beauty Salons Need?

... Indemnity is designed to respond to claims against your business for losses resulting from actual or alleged negligent acts or omissions in the delivery of your professional service or advice. These policies also ...

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Reviews related to Affordable Professional Indemnity Personal Counselling Service

  • Just so you know, this is the 2nd review I've been asked to do. BizCover staff were accommodating, I didn't have to wait long for service, they were knowledgeable and polite, listened well and gave excellent information and advice to me.

    Kate Carlisle
    Allied Health

  • Great service, easy to follow and easy to purchase

    Briana Nathan
    Allied Health

  • Very helpful and friendly service

    David Slater
    Allied Health

  • Fast friendly and very good service thank you

    Gerald Eaton
    Allied Health

  • Quick and easy renewal. Thanks

    Ray Gesta
    Allied Health

  • Easy renewal process and very quick.

    Odette Wood
    Allied Health

  • made it very easy to renew excellent

    Maryanne Hooper
    Allied Health

  • Easy to deal with; did as they said. ie when I asked them to call back they did. Normally choosing insurance is a big headache but this was so straightforward and pleasant. I would definitely recommend them. A

    Alisa Drewett
    Medical

  • Quick and easy to use both to sign up and renewal

    Rod Corban
    Allied Health

  • I found getting insurance from BizCover exceptionally easy, did it over the phone,the representative that I was dealing with explained everything clearly and walked me through the whole process from start to finish.

    Tina Buckler
    Allied Health

  • All questions answered Options of various policies explained thoroughly

    Rangi Monga
    Allied Health

  • Thanks so much for the clear information and for making it so easy amd hassle-free!

    Alanna Clerkin
    Allied Health

  • Quick and easy to use, had no issues getting a quote or paying once I'd decided to go with Bizcover.

    Ness Macdonald
    Allied Health

  • Super easy in every way. All done online.

    Sonya Horne
    Allied Health

  • Informative and timely.

    Nicola Dunham
    Allied Health

  • Helpful and friendly

    Doreen O'Sullivan
    Allied Health

  • Excellent and efficient

    Angela Paul
    Allied Health

  • It was so easy and great time saver, prompt delivery to obtain the Public Liability and Professional Indemnity I require as an Occupational Health and Safety Consultant and Practitioner. Other quotes took well over a week to come back to me. Definitely r

    Patricia Copp
    Consultancy Occupations

  • Got my PI cover sorted within 15 mins over the phone.

    Kaushalya Samarasekera
    Information Technology

Did You Know?

BizCover is the preferred insurance partner of Podiatry NZ, Massage NZ, Nutrition Society and Reflexology NZ. If you’re a member you’ll save on your Professional Indemnity & Public Liability cover with our exclusive member rates.

Insurance for Allied Health Professionals

Professional Indemnity

Professional Indemnity (PI) insurance provides essential financial protection for Allied Health Professionals for claims made against them in carrying out their professional services or treatments.

Allied Health Professionals generally require professional indemnity to comply with professional association requirements, professional standards legislation or to meet the requirements of many clients.

What is covered?

  • Damages and claimant costs awarded against the insured
  • Legal and defence costs
  • Claims investigation costs
  • Inquiry attendance costs
  • Public relations costs

What is NOT covered?

  • Intentional damage
  • Known claims and circumstances
  • Fraud and dishonesty
  • Bodily injury / property damage

Allied Health covers a broad range of modalities, including:

  • Acupuncture
  • Beautician
  • Bowen therapy
  • Chiropractors
  • Counsellor
  • Dietician (Nutritionist)
  • Homeopaths
  • Homoeopathy
  • Hypnotherapy
  • Kinesiology
  • Life Coach
  • Massage Therapists
  • Medicine – Chinese
  • Medicine – Herbal
  • Meditation
  • Natural Therapists
  • Neurohealth Chiropractor
  • Occupational Therapists
  • Optometrists
  • Osteopaths
  • Personal Trainer
  • Physiotherapy
  • Pilates
  • Podiatry
  • Psychological
  • Psychotherapy
  • Reflexology
  • Speech Therapy
  • Traditional Therapists
  • Weight Loss Centres
  • Yoga Instructors

Public Liability and Product Liability

Public and Product Liability Insurance covers Allied Health Professionals for their legal liability in the event of personal injury or damage to property of others during the course of normal business operations or as a result of a product defect.

If your business/practice requires your customers or members of the public to visit your home or business, or if you visit their premises, you should seriously consider taking out public liability insurance for your protection.

What is covered?

  • Compensation for accidental damage to third party property
  • Compensation for personal injury or death to third parties where the ACC does not provide cover
  • Legal and defence costs

What is typically NOT covered?

  • Injury to your employees
  • Damage to your own property
  • Compensation for personal injury whereby cover is provided by the ACC
  • Known claims and circumstances

Protect your business today.

Business Insurance*

It’s important to take the time to consider protecting the assets that help to keep your business running.

There are a variety of different types of business insurance options to help keep your allied health business protected, these are a few to consider:

Contents: Covers your business contents or stock if they are damaged in a fire, storm or due to malicious damage or some other defined event listed in the policy

Building: Cover for loss and damage to buildings you own, as a result of an insured event (such as fire, storm, wind).

Portable Equipment: Portable Equipment insurance (also known as General Property insurance) covers you for loss and damage to items of portable equipment associated with your business. These can include tools of trade and items of stock.

Claim example

A yoga instructor hired premises in a busy centre to run a studio. From the time of occupation, she complained to the landlord about the air conditioning in the premises. Despite numerous complaints and heated discussions, nothing was ever rectified by the landlord. The yoga instructor then left the premises prematurely and she left a note on the door explaining that she had moved premises and what she thought of the landlord. She followed this up with an interview in a local newspaper whilst promoting her new location. The landlord sued the yoga instructor for defamation. The professional indemnity policy responded and paid for significant legal costs (equivalent to one years revenue) before the matter went away.

FAQ’s

As an allied health professional do I need both Professional Indemnity and Public Liability insurance?

Professional Indemnity insurance and Public Liability insurance both cover very different risks that may impact your allied health business.

Working on site or having clients visit you at your place of business makes Public Liability insurance an important form of cover to protect you against injuries or damage to third parties when not covered by the ACC.

Professional Indemnity insurance protects you against claims that may arise from a client who experiences a financial loss as a result of your allied health advice or services. For example, these could be claims for things like advising an inappropriate form of treatment.

When may I need Public Liability insurance?

As an allied health professional, Public Liability insurance may be required in a few instances. These are some typical ones when it may be needed:

  • If you are working on a contract, you may be required to have a minimum amount of cover in place
  • If you are leasing a property as your business premises it may be part of your rental agreement
  • If you are working from home, you may need to consider taking out cover to protect yourself
  • It may be a requirement to become a registered provider for certain health funds
  • To become a member of certain professional membership bodies, you may need to have Public Liability insurance in place

Get more information

Find out more about all things business insurance and running your own small business with our blog articles

5 Long term money saving tips for your small business

https://www.bizcover.co.nz/5-long-term-money-saving-tips-for-your-small-business/

Saving a dollar here and there can quickly add up, and when you operate your own small business, every bit helps! Find out more about you could help save your business money for the long haul

* This information is a general guide only and does not take into account your objectives, financial situation or needs.  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.

The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Cover for a claim will depend on the specific circumstances around the loss and would be subject to the terms and conditions of the policy concerned.

Need Help?

Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals. 

You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents. 

 

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