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Professional Indemnity and Public Liability Insurance for Complementary Therapists


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Tailored insurance for Complementary Therapists

Complementary Therapists insurance includes both Professional Indemnity and Public Liability in one policy. 

Why do Complementary Therapists need Professional Indemnity insurance?

Your treatment methods help people with their health and wellbeing, offering physical, emotional as well as spiritual support to improve their quality of life. But there’s a risk that someone could accuse you of making a mistake in your work and it could cost you dearly in court. 

Complementary Therapy Indemnity insurance includes cover against a wide range of risks like claims of professional negligence. Professional Indemnity insurance is designed to protect you if something goes wrong while you’re treating a patient.

Mandatory insurance

As a Complementary Therapist, you need to be covered by a level of Professional Indemnity insurance that meets the Australian Health Practitioner Regulation Agency standard.1

Why do Complementary Therapists need Public Liability insurance?

Even if you feel that you’re the safest Complementary Therapist in the world, there’s still a risk that a patient could be injured, or their property damaged because of your business, and this could be a costly legal experience. You may believe that your business isn’t responsible but fighting a claim can be hard to recover from financially.

Public liability insurance acts to help you with the cost of claims from a third-party, like compensation payments and legal fees.  

Complementary Therapy insurance cover benefits:

Flexible Professional Indemnity cover limits
Choose a level of Professional Indemnity cover to suit you - $1 million, $2 million, $5 million, $10 million or $20 million.4
Public and Products Liability cover
$20 million combined public and products liability limit per claim and $60 million in the aggregate.4
Unlimited retroactive date
You may be covered for claims relating to events that happened before you purchased cover, as long as you weren’t aware of a claim or the facts of circumstances which could give rise to a claim, before you purchased the policy.

Subject to eligibility criteria.
Run-off cover
You can be subject to claims for professional wrong-doing even after you retire or sell your business. Run-off cover extends your insurance policy for up to 7 years after your business ceases, to respond to claims which arose while the business was operating. 
Complimentary Legal Advice
2 HOURS complimentary legal advice
You could save hundreds of dollars on outside legal costs with 2 hours of complimentary legal advice that's included in this policy4
$0 Excess
No excess when you make a claim against the Professional Indemnity or Product Liability section.4

Better for Complementary Therapists in 3 simple ways

Frequently Asked Questions

What does Complementary Therapy insurance cover?
Professional Indemnity covers:
 
Claims made against you during the period of insurance resulting from certain errors or omissions in the conduct of your professional services.
Legal fees, settlements and court attendance costs associated with any such claim.
 
Public and Products Liability covers legal liability for:
 
Third-party injury or property damage arising as a result of your business that occurs on any premises you work from, in most parts of the world.5
The sale or supply of a product that causes bodily injury or property damage.
What level of complimentary legal advice can I receive?

A total of 2 hours complimentary legal advice is offered when you hold a Professional Indemnity policy through Aon. You can call as often as you like for any business-related matters up to a total of 2 hours in each policy year. 

The Legal Helpline is entirely confidential, and you'll be supported by a network of lawyers who work independently of Aon. The details discussed with the Legal Helpline are confidential and will not impact the future cost of your insurance premium.

What price does Complementary Therapy insurance start at?

We arrange insurance designed for Complementary Therapists at competitive prices. Our prices start as low as $211.204

  1. Available to customers who do not currently have a Professional Indemnity or Public Liability policy through Aon. Aon reserves the right to cancel this offer at any time.
  2. Australian Helath Practitioner Regulation Agency - Consultation report: Professional Indemnity Insurance (PII).
  3. We will process your certificate of currency request instantly but, depending on your internet speed and email server, it could take a few minutes to get to your inbox.  
  4. Subject to full terms, conditions and limits of the policy. Please review the full policy wording for more information. 
  5. Cover is not provided in respect of activities in the United States of America or the Dominion of Canada and their territories.

Disclosure and Disclaimer:

Professional Indemnity, Product Liability and Public Liability Insurance for Complementary Therapists is arranged by Aon Risk Services Australia Limited ABN 17 000 434 720 (Aon) on behalf of the underwriter, AAI Limited trading as Vero Insurance (Vero) ABN 48 005297 807 AFSL 230859. If you purchase this insurance, Aon will receive a commission that is a percentage of the premium. Further information can be found in our FSG click here or provided upon request.

Terms, conditions, exclusions and limits apply

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