Indemnity Insurance For Counsellors NZ

Indemnity Insurance For Counsellors NZ

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Insurance for Allied Health Professionals

... Beautician Bowen therapy Chiropractors Counsellor Dietician (Nutritionist) Homeopaths ... third parties when not covered by the ACC. Professional Indemnity insurance protects you against claims that may arise from a client ...

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BizCover and NSNZ

... of Cover COVER LIMIT OF INDEMNITY EXCESS ANNUAL PREMIUM Professional Indemnity $1Million any one claim, ... – this in turn made the process much more pleasurable. Insurance can be very tricky to navigate, but was very easy. ...

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BizCover and Reflexology NZ

... care of your clients; we'll take care of your insurance Reflexologists are in a unique position of trust - the ... Package for Reflexologists COVER LIMIT OF INDEMNITY EXCESS PREMIUM Professional Indemnity $1M any one claim, $ ...

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BizCover and Massage New Zealand

... take care of your clients; we'll take care of your insurance Massage therapists are in a unique position of trust - the ... and Employers Liability . Professional Indemnity Protects against financial loss for claims ...

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Insurance for Counsellors

... Accidental injury and property damage Protect your business today. Why do counsellors need Professional Indemnity Insurance? Professional Indemnity insurance is one of the main types of business you may need to ...

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Insurance by Industry

... insurance offer includes Professional Indemnity insurance, Public Liability Insurance, Statutory Liability Insurance, Cyber Liability Insurance and Employers Liability Insurance ... Contractors Counsellors Designers ...

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What is Professional Indemnity Insurance?

... in front of the judge, make sure it's not costing you an arm and a leg! What does Professional Indemnity insurance cover?* There's a lot that could go wrong when you're in the business of providing advice or professional ...

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Tradie Guide to Professional Indemnity Insurance

... to review your risk exposure and adjust your level of cover accordingly. Reduce your tradie risk with Professional Indemnity Insurance Whether you're a sole trader or a jack-of-all-trades trade professional, you know how ...

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How to Market Your Hair Salon Business

... a member of the non-profit organisation, you must hold an active Professional Indemnity insurance* policy. Professional Indemnity cover is designed to protect your business against negligence or professional misconduct ...

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Hair Salon Business Tips

... were made against you. This is why an important type of insurance for beauty salons is Professional Indemnity insurance *. Professional Indemnity cover is designed to protect your business against claims for negligence ...

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What Risks Do Psychologists Face?

... , and other forms of wrongdoing in the provision of your professional service or advice. Professional Indemnity insurance also assists with the legal costs associated with responding to or managing claims which are ...

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Top Digital Marketing Tips For Contractors

... in the click of a button or a simple phone call. Whether it's Public Liability insurance* or protection for words of advice with Professional Indemnity insurance*, BizCover is here to help. Visit bizcover.co.nz and get ...

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Understanding the risks for Real Estate Agents

... share information that is not accurate, you may be at risk of a claim occurring. Professional Indemnity Insurance can protect you against the risks associated with the provision on real estate services. Data protection ...

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Work Smarter as a Massage Therapist

... financial damage to the client, you could be liable to have a claim made against you. Professional Indemnity insurance can protect you against losses claimed by a third party due to alleged or actual negligence or errors ...

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How To Market Your Accounting Business Online

... New Zealand to reduce the risks to their business via business insurance , including Public Liability insurance , Professional Indemnity insurance and small business insurance. Visit bizcover.co.nz and get business ...

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Website Building Tips For Engineering Firms

... attracting heaps of clients, is to get your engineering insurance's active and in place. From Professional Indemnity insurance* for engineers to insurance options for engineer consultants, considering your options and ...

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How To Start An Engineering Firm

... industry standards/ guidelines you may be required to have your own Professional Indemnity insurance* policy. To get an accurate idea of how much insurance for your engineering firm may cost, get in touch with BizCover ...

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9 Ways To Grow Your Design Business in 2023

... place to ensure you have adequate protection for yourself and your business. Things like Professional Indemnity insurance* may provide a safeguard against potential claims from clients when your are sharing your pearls ...

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How To Start A Small Business

... on the market. Some of the typical kinds of business insurance include: Public Liability insurance Professional Indemnity insurance Business Insurance Cyber Liability Start your new business journey with peace of mind ...

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How To Start a Psychology Practice

... own psychology practice in New Zealand. Two common types of psychologist insurance include: Professional Indemnity*: Professional Indemnity insurance covers claims against your business for losses that result from actual ...

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How to Start a Hair Salon Business

... be just like a walk in the park. Did you know? It is mandatory to have Professional Indemnity Insurance for your beauty salon business to be recognised by the New Zealand Association of Registered Beauty Professionals ...

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Turn your side hustle into a small business

... your side hustle is involved with providing professional advice or services is Professional Indemnity insurance*. Professional Indemnity Insurance (PI) is designed to respond to claims against your business for losses as ...

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Tips and Tricks for Massage Therapists

... to your ineffective or incorrect service, you could be held liable.Luckily, this is where Professional Indemnity insurance comes in. It protects against financial losses for legal action taken against you due to a breach ...

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What are the Risks in Running a Yoga Studio?

... directly related to the professional services or advice that you provide to your clients. Professional Indemnity insurance for Yoga Instructors, covers things such as defence costs and/or compensation payable by the ...

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How to Start a Sole Trader Business

... on the market. Some of the typical kinds of business insurance include: Public Liability insurance* Professional Indemnity insurance* Business Insurance* Cyber Liability* Setting up your own sole trader business doesn ...

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Professional Indemnity

... , we will get you sorted No Hassle, No Paperwork, No Delay What is Professional Indemnity insurance? Professional Indemnity insurance is designed for professionals who provide advice or a service to their clients. If ...

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Help Protect your small business' reputation

... reputation too. And let's face it, we are all human and mistakes do happen. Fortunately, Professional Indemnity insurance is designed to protect your business should you or your staff make an error, omission, or, breach ...

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Insurance for IT Professionals

... as to which cover should respond to the claim. Insurance for IT Professionals Professional Indemnity Insurance Professional Indemnity (PI) insurance provides essential financial protection for IT Professionals against ...

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Insurance for Mortgage Brokers

... these risks and protect your bank accounts and professional reputation. Professional Indemnity Insurance Professional indemnity insurance protects professionals, like Mortgage Brokers, who offer advice and services to ...

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Insurance for Immigration Advisers

... claims which are covered by the policy. Below is an example of some of the other things your Professional Indemnity insurance may provide you cover for. Civil Liability – the Insurer will pay on behalf of any Insured all ...

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Insurance for Consultants

... a member of certain industry board or council you may also need to have a certain level of Professional Indemnity insurance in place. It is always a wise idea to check what level of coverage you may need when arranging ...

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Insurance for Bookkeepers

... break down the nitty gritty of all the important stuff you need to know when it comes to Professional Indemnity insurance- jargon free. How to stay motivated as a small business owner Let's face it, as a small business ...

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Insurance for Architects & Designers

... blueprint of your small business. Some of the factors used to calculate premiums for Professional Indemnity and other forms of insurance for architects that you may consider include (but are not limited to): The size of ...

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Insurance for Real Estate Agents

... open houses and inspections! Understanding insurance-part 2: Professional Indemnity insurance https://www.bizcover.co.nz/understanding-insurance-part-two-professional-indemnity-insurance/ Ever wanted to understand the ...

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Insurance for Engineers

... : For some engineering professional industry memberships, it may be a requirement to have Professional Indemnity insurance* in place If you are working out on site, it may be a requirement that you have your own Public ...

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Insurance for Accountants & Tax Agents

... processes. Even the best of us can have a bad day with the books. That's why Professional Indemnity insurance is designed to protect you and your business from any losses which may arise from any errors and omissions ...

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Insurance for Travel Agents and Tour Operators

... you have provided If you want to become a member of certain industry body or boards, Professional Indemnity insurance may be a requirement If you work on contracts you may be required to have your own Professional ...

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Insurance for Recruitment Consultants

... break down all the key info you need to know about Professional Indemnity insurance. https://www.bizcover.co.nz/what-does-professional-indemnity-insurance-cover-business/ Take back your time with these apps Let's face it ...

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Insurance for Personal Trainers

... suffer an injury (when not covered by the ACC), and claim negligence. This is where Professional Indemnity insurance can help Working within gyms, public spaces and other fitness facilities, it may be a requirement that ...

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BizCover & NZTA

... . Just enter code ' NZTATEN ' in the Partner Code field during checkout. Protect your business today. Professional Indemnity Insurance for Tutors We're not trying to teach you any lessons here, but without Professional ...

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Insurance for Beauty Salons

... . Others might not be required, but could still be nice to have—just in case. Professional Indemnity insurance is compulsory for all members of the New Zealand Association of Registered Beauty Professionals. This type of ...

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Guide To Setting Up A Massage Business At Home

... therapists can come in many forms but generally there are two types of insurance products you may want to consider. Professional Indemnity insurance * is a type of cover that is designed to protect you from claims ...

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How Insurance Can Protect Landscape Architect

... , the cost of the claim was determined to be considerably less - only $7,000. Without Professional Indemnity insurance, this landscape architect could have been liable for hundreds of thousands of dollars in damages - an ...

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Why do brilliant business ideas sometimes fail?

... Public Liability insurance * Professional Indemnity insurance * Business Insurance * Building insurance * Contents insurance * Business Interruption insurance * Portable Equipment insurance* Cyber Liability insurance* It ...

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6 Reasons why some small businesses fail

... : Public Liability insurance* Professional Indemnity insurance * Business Insurance* Building insurance* Contents insurance* Business Interruption insurance* Portable Equipment insurance* Cyber Liability insurance* Don't ...

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What Insurance Policies do Yoga Studios Need?

... your instructions could lead to a negligence claim (even an unfounded one). Professional Indemnity insurance offers important protections for businesses that provide specialist services or professional advice, like yoga ...

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How Accountancy Insurance Protects Your Business

... reducing the risks to your accounting firm via the following types of business insurance. Professional Indemnity insurance : Business insurance designed to protect you and your business from any losses which may arise ...

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Insurance for Sole Traders

... mind knowing that your valuable tools are protected. What Insurances Do Sole Traders Need? Professional Indemnity insurance* Professional Indemnity (PI) insurance is something that sole traders may need to consider when ...

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Insurance for Contractors

... why many clients require the contractors and subcontractors they hire to have their own insurance policies, particularly Professional Indemnity and Public Liability. Before you start a project, you may want to check the ...

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Reviews related to Indemnity Insurance For Counsellors NZ

  • 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

  • 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

  • Quick and easy renewal. Thanks

    Ray Gesta
    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

  • Easy renewal process and very quick.

    Odette Wood
    Allied Health

  • made it very easy to renew excellent

    Maryanne Hooper
    Allied Health

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

    Rod Corban
    Allied Health

  • Great service, easy to follow and easy to purchase

    Briana Nathan
    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

  • Very helpful and friendly service

    David Slater
    Allied Health

  • Fast friendly and very good service thank you

    Gerald Eaton
    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

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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