Private Practice Indemnity Counsellor NZ

Private Practice Indemnity Counsellor NZ

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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 ...

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BizCover 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 ...

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BizCover 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 ...

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BizCover 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 ...

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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

... 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 ...

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Professional 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 ...

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Insurance 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 ...

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Insurance 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 ...

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Insurance 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 ...

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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

... 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 ...

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Insurance 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 ...

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Insurance 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 ...

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Insurance 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 ...

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Insurance for Recruitment Consultants

... break down all the key info you need to know about Professional Indemnity insurance. Take back your time with these apps Let's face it ...

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Insurance 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 ...

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Understanding 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 ...

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Insurance 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 ...

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Insurance 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 ...

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Insurance 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 ...

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Insurance 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 ...

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How 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 ...

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Insurance 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 ...

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Insurance 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 ...

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Insurance 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 ...

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BizCover 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 ...

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How 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 ...

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Insurance 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 ...

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It'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 ...

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Insurance 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 ...

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Insurance 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 ...

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Business 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 ...

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How 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 ...

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What 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 ...

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What 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 ...

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What 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 ...

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What 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 ...

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Insurance 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 ...

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Public 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 ...

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Turn 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 ...

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Work 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 ...

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Hair 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 ...

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Do 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 ...

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Business 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 ...

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Insurance 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 ...

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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 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 ...

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How 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 ...

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What 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 ...

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Statutory 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 ...

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What 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 ...

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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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Why 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 ...

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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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4 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 ...

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How 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 ...

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How 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 ...

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Insurance 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 ...

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Business 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 ...

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Do 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 ...

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Reviews 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.


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

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* 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?

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