As a healthcare professional, do I need to consider both Professional Indemnity and Public Liability insurance?

Professional Indemnity insurance and Public Liability insurance both cover very different risks that may impact your healthcare 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 health-related advice or services. For example, advising an inappropriate form of treatment. For healthcare and wellbeing professionals, it’s sometimes hard to know if a claim falls under your Professional Indemnity policy or your Public Liability one. That’s why many insurers offer combined Professional Indemnity and Public Liability policies designed especially for the healthcare and wellbeing industry. To buy combined cover with BizCover, just select both the Professional Indemnity and Public Liability options, and you’ll be presented with quotes for combined policies.

When may I need Public Liability insurance?

As healthcare or wellbeing professional, Public Liability insurance may be required in a few instances, such as: 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, a policy could help you manage injuries to member of the public, like a client or delivery person It may be a requirement to become a registered provider for certain health funds To become a member of certain professional membership bodies

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Life is anything but boring when you run your own business, with something always demanding your attention. From balancing the books, posting that social media update to ensuring your staff are paid on time and that you actually took a moment to have a lunch break!

Insurance can be a confusing business, especially when you’re dealing with Professional Indemnity insurance*. However, you can make sure you get the Professional Indemnity that is suitable for you by asking the right questions. Here are seven things you should take into consideration when purchasing Professional Indemnity insurance.

Review Your Business Insurance With A Health Check – Part One

There are many moving parts when it comes to the functionality of a small business, and when you’re in the driver’s seat, keeping track of all that’s going on in your business can be pretty hectic. There are many elements, way too many to-do lists, and never ending reminders.

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
Informative and timely.

Nicola Dunham Allied Health
Fast friendly and very good service thank you

Gerald Eaton Allied Health
Thanks so much for the clear information and for making it so easy amd hassle-free!

Alanna Clerkin Allied Health
Super easy in every way. All done online.

Sonya Horne Allied Health
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
Very helpful and friendly service

David Slater Allied Health
made it very easy to renew excellent

Maryanne Hooper 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

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Good Business Insurance Life Coach

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