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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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 both to sign up and renewal

Rod Corban Allied Health
Informative and timely.

Nicola Dunham Allied Health
Great service, easy to follow and easy to purchase

Briana Nathan Allied Health
Helpful and friendly

Doreen O'Sullivan Allied Health
Excellent and efficient

Angela Paul 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
Quick and easy renewal. Thanks

Ray Gesta Allied Health
made it very easy to renew excellent

Maryanne Hooper Allied Health

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Good Business Insurance Life Coach

Good Business Insurance Life Coach

Good Business Insurance Life Coach

Why Small Business Owners Should Consider Getting a Mentor or Life Coach

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What every New Zealand tradie needs to know about insurance

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