Private Practice Indemnity Counsellor NZ
- Trusted by over 1000 Health Professionals
- Comprehensive industry specific policy wording
- Buy online, Get coverage immediately
Insurance for Allied Health Professionals
... a result of a product defect. If your business/practice requires your customers or members of the public to visit ... when not covered by the ACC. Professional Indemnity insurance protects you against claims that may arise ...
read moreBizCover and NSNZ
... ; we'll take care of your insurance As a practicing health professional, you are in a unique position of ... Details of Cover COVER LIMIT OF INDEMNITY EXCESS ANNUAL PREMIUM Professional Indemnity $1Million any one claim, $2M ...
read moreBizCover and Reflexology NZ
... a result of business related activities. Professional Liability Package for Reflexologists COVER LIMIT OF INDEMNITY EXCESS PREMIUM Professional Indemnity $1M any one claim, $2M in the annual aggregate $1,000 Annual: $181 ...
read moreBizCover and Massage New Zealand
... , Public Liability , Statutory Liability and Employers Liability . Professional Indemnity Protects against financial loss for claims arising from negligent acts, errors or omissions involving a breach of professional ...
read moreCounsellor Martin Sloman Wins BizGiver Competition!
... New Zealand grant. Martin has Professional Indemnity and Public Liability insurance combined with BizCover ... story. Why did you start your business? Prior to being a counsellor, I was an IT Manager in the UK – a career that ...
read moreUnderstanding Insurance, Part Two: Professional Indemnity Insurance
... your expert advice and services you have a duty of care to your clients and this is where the Professional Indemnity insurance comes into play. If a claim were to be made against you , having adequate cover in place ...
read moreWhy Do Marketing Consultants need Professional Indemnity Insurance?
... the time that is involved in a court case which can proceed for months if not years . Having Professional Indemnity insurance means you can focus on getting back to business doing what you do best without worry and only ...
read moreHow the cost of Professional Indemnity insurance is calculated
... it or not, one of the biggest impacting factors when it comes to calculating the cost of your Professional Indemnity policy is the industry you operate within. Industries and services which have a higher risk of a claim ...
read moreThe difference between public liability and professional indemnity insurance
... , whether agreed out of court or awarded by the court. With the right Public Liability or Professional Indemnity cover, your insurance company will provide much needed funds to cover your legal costs and any compensation ...
read moreWhat do you need to know about Professional indemnity insurance?
... and putting you in the hot seat. A lot of practices, even the ones with clean claims records, should be ... and that is never a good thing. With professional indemnity insurance you do not have this problem. Cover may ...
read moreProfessional Indemnity Claims: when should I notify my insurer?
... jeopardise the chance of your claim being paid. Duty of Disclosure Another very important condition of Professional Indemnity policies involves your Duty of Disclosure at the time of taking out a new policy. Under the ...
read more5 Things for Accountants to Consider When Applying for Professional Indemnity Insurance
... the following: In what areas do you intend to practice? What technologies will you use? What is your ... trying to arrange an appropriate type of Professional Indemnity insurance policy for your business. There are many ...
read moreWhat does Professional Indemnity Insurance Cover?
... Psychologists Even if you don't see your profession listed above, you might still consider having a Professional Indemnity insurance policy to help protect your business. A policy may be helpful if you or your employees ...
read moreHow much does Professional Indemnity Insurance cost?
... the below graph though, over a third only pay between $45 and $74 per month. The cost of Professional Indemnity insurance depends on a number of key factors including: The type of business you operate - the riskier the ...
read moreDo I need Professional Indemnity Insurance Insurance?
... if you are at fault or not, to potentially destroy your business for good. That's where Professional Indemnity insurance comes in to play. If a client makes a claim against your business for an omission or mistake ...
read moreWhat 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 ...
read moreWhat does Professional Indemnity Insurance cover?
... profession? As outlined above, it may be a legal requirement that you have a certain level of Professional Indemnity insurance in place. Are you a member of a professional body or association with a set requirement to ...
read moreTradie Guide to Professional Indemnity Insurance
... in handy and may be something to consider if you do have customers that rely on your advice. Professional Indemnity claims may also arise from instances where you don't do something, such as failing to meet a deadline ...
read moreProfessional Indemnity Insurance- a Guide for Real Estate Agents
... to or managing claims which are covered by the policy. Why do real estate agents need to consider Professional Indemnity insurance? Word of mouth and reputation and one of the things which can make or break a real estate ...
read moreA Management Consultants Guide to Professional Indemnity Insurance
... on the market, but one of the key types of cover you may need to look at is Professional Indemnity insurance. Being a management consultant comes with some degree as risk when providing your professional pearls of wisdom ...
read moreAn Accountants Guide to Professional Indemnity Insurance
... investigation costs add up to if any action was taken against you? Factors that may impact the cost of a Professional Indemnity insurance policy It's a bit difficult to provide an exact cost as to what your Professional ...
read moreProfessional Indemnity
... . But since your clients rely on your advice, a mistake in your line of work could be costly. Professional Indemnity Insurance allows you to cover yourself if, and when, you do slip up in your day-to-day operations ...
read moreWhy Bookkeepers need Professional Indemnity Insurance
... organisation cautions that the ramifications of a Professional Indemnity claim against a bookkeeping business may linger long after a bookkeeper has sold or wound up their practice. The ICNZB notes that the flow-on ...
read moreWhy Engineers Might Consider Professional Indemnity Insurance
... figure of $750,000 was reached, plus $100,000 in legal fees. Fortunately, the engineer's Professional Indemnity policy kicked in, and the insurer covered the amount. The bottom line Engineers play a crucial role in the ...
read moreProfessional Indemnity Insurance – A Guide For Real Estate Agents
... to or managing claims which are covered by the policy. Why do real estate agents need to consider Professional Indemnity insurance? Word of mouth and reputation and one of the things which can make or break a real estate ...
read moreA Management Consultants Guide to Professional Indemnity
... on the market, but one of the key types of cover you may need to look at is Professional Indemnity insurance. Being a management consultant comes with some degree as risk when providing your professional pearls of wisdom ...
read moreAn Engineers Guide To Understanding Professional Indemnity Insurance
... paid a settlement sum of $750,000 and an additional $100,000 in legal fees. ^ How much will Professional Indemnity insurance for engineers cost? There are a few factors that go into calculating the cost of an engineering ...
read moreA Graphic Designers Guide To Professional Indemnity Insurance
... graphic design business for the long haul is probably up there as one of your priorities. This is where Professional Indemnity insurance* may provide some peace of mind. In our simple guide we will unpack some of the key ...
read moreWhat Is The Difference Between Public Liability And Professional Indemnity Insurance?
... as a condition of the contract Where you work in an occupation that is required to have Professional Indemnity insurance by law If you've been thinking about getting business insurance start a quote here with BizCover ...
read moreInsurance for Counsellors
... when working as a counsellor. Professional Indemnity insurance* Professional Indemnity (PI) insurance is ... or within a medical/health facility. Even if you practice from home, Public Liability insurance is there as a ...
read moreInsurance for Mortgage Brokers
... that you will be supported should a claim be made against your business. What is covered? A Professional Indemnity policy provides important cover for a variety of common civil liability claims that can arise when you're ...
read moreInsurance for Immigration Advisers
... read for a tea break. Here's one we've hand-picked to get you started What does Professional Indemnity insurance cover? One of the fundamental types of business insurance coverages, we share the ins and outs on all ...
read moreInsurance 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 ...
read moreInsurance for Bookkeepers
... cover? We 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 ...
read moreInsurance for Architects & Designers
... the specific 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 ...
read moreInsurance for Real Estate Agents
... industry boards and become a member, you may be required to hold a certain level of Professional Indemnity insurance* Giving advice you your clients about property and estates could land you in hot water if things ...
read moreInsurance for Accountants & Tax Agents
... , so you can start protecting your accounting practice today. What does insurance for Accountants & ... for accountancy insurance. Did you Know? A $1m Professional Indemnity cover only costs from $1.81 per day. Insurance for ...
read moreInsurance for Travel Agents and Tour Operators
... advice or services 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 ...
read moreInsurance 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 ...
read moreInsurance for Personal Trainers
... to providing a competitive quote to get you covered in no time. Did you Know? Your professional indemnity policy covers the cost of defending allegations of professional negligence against you and not just the settlement ...
read moreInsurance for Marketing and Multimedia Professionals
... they received a letter from an aggrieved party who claimed they had stolen his artwork. The professional indemnity policy assisted in the legal defence of the matter and ultimately paid for a relatively small settlement ...
read moreUnderstanding the risks for Real Estate Agents
... of acts, errors and omissions from professional services provided. The REINZ Code of Practice stipulates a minimum of $1m cover for professional indemnity but the level of cover must be sufficient to protect the clients ...
read moreBizCover expands its insurance offer and launches a new look
... partners include Australia's leading insurers, QBE, Chartis, Vero and DUAL. To get a quote for professional indemnity , public liability or business insurance , and get instant coverage, please visit: www.bizcover.co.nz ...
read moreInsurance for IT Professionals
... IT professional claims, there can be a grey area as to whether the claim falls under a Professional Indemnity or Public Liability policy, so it's wise to consider a liability package with combined cover from the same ...
read moreInsurance for Engineers
... consider business insurance: 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 ...
read moreInsurance for Beauty Salons
... your reputation into an ugly mess – and not the type a tad of concealer can fix. Professional Indemnity Insurance is designed to protect your business against claims for negligence or professional misconduct. It protects ...
read moreAn Accountants Guide to Understanding Public Liability Insurance
... , two of the main types of insurances you may encounter are Public Liability insurance and Professional Indemnity insurance*. We've covered the basics of what Public Liability insurance typically covers and excludes. Let ...
read moreHow Insurance Can Protect Landscape Architect
... that your work has caused them financial loss, they may file a legal claim against you. Professional Indemnity insurance can help protect you and your business against such claims. It is designed to protect professionals ...
read moreInsurance for Psychologists
... health professional associations may require their members to have minimum amounts of Professional Indemnity* insurance to practice in New Zealand. What Insurance Do Psychologists Need? Insurance help remove the anxiety ...
read moreInsurance for Designers
... or their contract with you and making a claim. That's why it is important to consider Professional Indemnity insurance*. Chances are you may work with expensive equipment and other business assets that help to bring your ...
read moreInsurance for Education Consultants
... of the typical types of business insurance you may need to consider as an education consultant. Professional Indemnity insurance* Advising your clients on their educational choices and creating programs is all in a days ...
read moreIt's Time for an Insurance Health Check!
... 1 million within the same policy period, you will need to wait until your policy anniversary for your Limit of Indemnity to be restored and to make a new claim.. But if your policy has 1 reinstatement it means that after ...
read moreBizCover expands into New Zealand and launches BizCover.co.nz
... than sourcing their insurance. At BizCover, we can help them by simplifying the process of getting professional indemnity insurance. Our fast and cost effective platform makes the most of modern technology and allows our ...
read moreBizCover and NZ Qualified Bookkeepers Association
... at a heavily discounted rate for NZQBA members. If you purchase online through BizCover a AIG Professional Indemnity, Public Liability and Statutory Liability policies with a $1 million limit for each, the total cost per ...
read moreHow Accountancy Insurance Protects Your Business
... reduce risk for accountants Here is just one example of when a Professional Indemnity insurance claim may be bought against an accounting practice in New Zealand. How easily could something like this happen to you and ...
read moreInsurance for Sole Traders
... costs associated with responding to or managing claims which are covered by the policy. Professional Indemnity insurance covers acts of professional wrongdoing, such as: Providing misleading or negligent advice Breach of ...
read moreInsurance for Contractors
... 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 contract ...
read moreInsurance for Carpenters
... happen. Even a small error or misstatement could throw an entire project out of joint. Professional Indemnity insurance is designed to respond to claims against your business for losses caused by actual or alleged ...
read more6 Essential Types of Business Insurance in New Zealand
... hundreds of thousands of dollars), and could be enough to put a small business out of business! Professional Indemnity Insurance* If your business or profession involves providing a service or advice, then Professional ...
read moreBusiness Insurance FAQs
... you may have about business insurance policy. From understanding the ins and outs of your Public Liability, Professional Indemnity or Business Insurance policy our FAQ's can guide you to find the answers you need. Can't ...
read moreHow To Start a Psychology Practice
... head of where you would like your psychology private practice to be at the end of its first ... practice in New Zealand. Two common types of psychologist insurance include: Professional Indemnity*: Professional Indemnity ...
read moreWhat Risks Do Psychologists Face?
... of business insurance as part of the risk management strategy for their psychology practice. Professional Indemnity* Professional Indemnity insurance covers claims against your business for losses that result from actual ...
read moreWhat are the Risks in Running a Yoga Studio?
... s most popular forms of exercise , with figures showing its practice grew by more than 500 per cent from 2007 to 2017 ... may be liable. Professional indemnity incidents Professional indemnity incidents are incidents directly ...
read moreWhat Insurance Policies do Yoga Studios Need?
... Depending on your studio's needs, you might get: Professional Indemnity* Your students value your yoga knowledge and may ask you for tips on how to practice at home. However, accidentally giving them the wrong advice or ...
read moreWhat Insurance do Beauty Salons Need?
... , in transit or temporarily stored in a private residence. Portable Equipment – Covers portable computer equipment ... insurance. Typically, Public Liability and Professional Indemnity premiums are higher for salons with a ...
read moreInsurance for Mechanics
... protected when you need it most. From Public Liability insurance when dealing with third-parties to Professional Indemnity insurance for when you give professional advice, it's important to take the time to understand ...
read moreWhat Photographers Need to Know About Business Insurance
... (ACC). Public Liability insurance also covers any legal costs that you may incur while defending yourself. Professional Indemnity insurance * No matter how much care you may take as a photographer, a client can claim ...
read moreBusiness Risk: What Isn't Covered and Why it Matters
... a rough idea of what's covered will certainly come in handy. For example, if you purchase Professional Indemnity (PI) insurance you should know that you're covered for any damages claims awarded against you, plus defence ...
read morePublic Liability Insurance
... claim example: A landscape gardener who was working at a private residence needed to use a garden power tool to complete ... Compensation Commission (ACC). Professional Indemnity Professional Indemnity (PI) insurance is an ...
read moreTurn your side hustle into a small business
... against you. . It also covers legal defence costs you incur as a result of defending yourself. Professional Indemnity Insurance – Another type of insurance you may need to consider if your side hustle is involved with ...
read moreA Tradies Guide To Getting Your Business Insurance Sorted
... trouble is, it can also land you in hot water if your advice doesn't exactly go to plan. Professional Indemnity (PI) insurance is designed to respond to claims against your business for losses as a result of actual or ...
read moreWork Smarter as a Massage Therapist
... in 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 ...
read moreHair Salon Business Tips
... to your public relations. You can do many things as a small business owner to minimise risk. But having Professional Indemnity cover is essential to protect your salon and mandatory if you are a member of the New Zealand ...
read moreWhat are the Risks in Running a Hair and Beauty Salon?
... can do to minimise this risk, such as background checks and prioritising training days, having a Professional Indemnity is essential to protect your salon and mandatory if you are a member of the New Zealand Association ...
read moreDo Hypnotherapists need Business Insurance?
... loss if that advice is misinterpreted, or they feel you acted negligently while treating them. Professional Indemnity insurance covers you for losses claimed by a third party due to alleged or actual negligence in ...
read moreBusiness Insurance Health Check Part 2
... the process to get your cover sorted easy and simple, with no-dramas! Whether it is Professional Indemnity insurance for your accounting business or Portable Equipment insurance for your tools of trade, we offer business ...
read moreInsurance for Yoga Teachers
... Indemnity* Your students and clients value your expansive yoga knowledge and may ask you for advice on how to practice ... to the unique demands of a yoga studio or private yoga instructor, plus the everyday needs of running ...
read moreKey things to look out for when Growing Your Small Business
... broker, especially if you're unfamiliar with lending practices. Most brokers are funded by the lender, so ... but the primary insurances - public liability and professional indemnity - are crucial. Ignore them at your peril. ...
read moreHelp 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 ...
read moreMassage Therapy Insurance: here's why you need it!
... allegation of professional misconduct. Professional Indemnity insurance provides essential protection against ... and property damage If you have people coming into your practice or you perform your work at a client's place ...
read moreInsurance for Shop Owners
... , if you provide professional advice or services you may want to consider Professional Indemnity insurance*. Professional Indemnity (PI) insurance is an important form of protection for businesses that provide specialist ...
read moreHow much does Public Liability Insurance cost?
... to navigate through best i have ever used Cameron H. Electrician/Electrical Services Would like to know about indemnity Insurance as well. Navpreet C. Horticultural Services very easy to arrange Tony P. Tiler / Tiling ...
read moreWhat is Public Liability Insurance?
... claim example: A landscape gardener who was working at a private residence needed to use a garden power tool to complete the ... professional indemnity insurance - Public Liability and Professional Indemnity insurance ...
read moreStatutory Liability Insurance
... Liability insurance may cost your business get a quote today What is the difference between Professional Indemnity and Statutory Liability Insurance*? These two types of insurance are designed to cover different risks ...
read moreWhat does Public Liability Insurance Cover?
... , or cause illness or injury that is not covered by the Accident Compensation Commission (ACC). Professional Indemnity (PI) insurance is an important form of protection for businesses that provide specialist services or ...
read moreBizCover & 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 ...
read moreWhy You Should Review Your Business Insurance
... alleged negligent acts or omissions in the provision of your professional service or advice. Professional Indemnity Insurance will also assist with the legal costs associated with responding to or managing claims which ...
read moreHow 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 ...
read more4 Tips For Starting An Online Business
... involves providing professional advice, you have a duty of care to your clients. This is where a Professional Indemnity policy can come in handy, as it will pay for your legal and defence costs for claims resulting from ...
read moreHow to Start a Sole Trader Business
... tax obligations, what you can claim, and any best practices you can implement from the get go to make tax ... some industries insurances like Public Liability and Professional Indemnity* may be a required to be in place ...
read moreHow To Start An Engineering Firm
... bodies and to meet certain 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 ...
read more4 Things To Check Before Buying Your Business Insurance
... ) ) or sustain property damage as a result of your negligent business activities. Professional Indemnity insurance* : Professional Indemnity (PI) insurance is an important form of protection for businesses that provide ...
read moreThe basics of business insurance for all trades of life- a lingo free guide
... before you can even pick up tools on work sites, so it's wise to ensure you have your cover in place. Professional Indemnity insurance* If part of your role as a tradie is providing professional advice, then Professional ...
read moreInsurance for Massage Therapy
... small business and ruin your reputation. Professional Indemnity (PI) insurance covers you for losses ... you. Property (Contents)* If you run a small massage therapy practice or day spa, you may want to protect the gear and ...
read moreBusiness Interruption Insurance
... owners to underestimate how long it will take them to rebuild their business after a major insured event. The “indemnity period”, or the amount of time you'll be covered for loss of turnover, that you choose could make ...
read more4 Areas You May Not Have Thought Business Insurance Covers
... tailor a policy to suit your needs and include other essential covers such as Public Liability and Professional Indemnity insurance to ensure you are not left financially responsible for the costs of a legal claim should ...
read moreSmall Business Insurance: Why you might want to ensure you're covered!
... business sectors you'll find certain types of insurance is required. For example you'll find Professional Indemnity might be compulsory if you are part of a professional association. If you rent your premises, public ...
read moreThings you didn't know about small business insurance
... providing professional services for a large corporation or the government, they may require you to have Professional Indemnity cover. Make sure your policy stays relevant and on the move It's wise to review and update ...
read moreDo I need Business Insurance
... , certain types of business insurance might be a requirement. These are some examples: Professional Indemnity insurance* may be a requirement to join certain professional memberships and industry bodies. Always check ...
read moreReviews related to Private Practice Indemnity Counsellor NZ
-
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
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.