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 renewal process and very quick.

Odette Wood 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
Great service, easy to follow and easy to purchase

Briana Nathan Allied Health
Quick and easy renewal. Thanks

Ray Gesta Allied Health
Informative and timely.

Nicola Dunham Allied Health
Super easy in every way. All done online.

Sonya Horne Allied Health
Quick and easy to use both to sign up and renewal

Rod Corban Allied Health
Excellent and efficient

Angela Paul 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
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

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