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Professional Indemnity and Public Liability Insurance for Complementary Therapists

Save! Get 15 months cover for the price of 12*

 

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Why professional indemnity insurance for Complementary Therapists?

 

As a complementary therapist, if one of your clients suffers an injury or loses money as a result of your advice or treatment, there is a chance they will take legal action against you. It’s an unfortunate reality that just one small mistake, error of judgement, injury or perceived piece of bad advice can lead to a claim against your business or against you personally – and potentially cost you both professionally and financially.

Aon arranges Professional Indemnity insurance which has been designed to cover complementary therapists common risks, and with cover starting from as little as $211.20 (inc GST)** per year, it's a small price to pay to help protect your business and your livelihood.

 

 

Events insured

 

Subject to the full terms, conditions and limits of the policy, cover is for:

 

Professional Indemnity

  • 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 costs associated with any such claim.

Public and Products Liability

  • Third party injury or property damage arising from your professional services from any premise you work from anywhere in the world, except for the US***
  • The sale or supply of a product that causes financial loss or injury.

 

Aon covers a large range of modalities, including:

See full list

 

Cover benefits through Aon:

Flexible PI Cover Limits

Choose a level of professional indemnity cover to suit you - $1 million, $2 million, $5 million, $10 million or $20 million. 

Public and Products Liability cover

$20 million combined public and products liability limit per cliam and $60 million in the aggregate. 

Unlimited retroactive cover

Cover for today, tomorrow and even yesterday. 

If you’ve been in business for a while but haven’t been insured, don’t panic! Subject to eligibility criteria, you can get cover for claims relating to events that happened before you purchased your cover – as long as you weren’t aware of a claim, or facts or circumstances which could give rise to a claim before you joined.


Run off cover 

Even after you’ve retired or are no longer practising, you could still be subject to claims from the time you were in business. If you purchase run-off cover, you can make claims under your policy during the run-off period of 7 years in relation to incidents that happened while you were practising.


2 hours complimentary legal advice

You can access 2 hours of complimentary legal consultation from a legal expert on matters relating to your business, which could save you hundreds of dollars in legal fees.****


$0 Excess 

When you make a claim, there is no excess payable. 

 

Helping your business. Why Aon?

 

Designed

No-one understands your industry’s risks like Aon. Proudly helping protect complementary therapists for over 20 years, we negotiate with leading insurers to offer insurance for your industry at competitive prices.

 

One Stop

Whatever your business and personal insurance needs, we can help find insurance cover for you.

 

By Your Side

We work for you to pursue a fast and positive settlement of your claim. We draw on our health industry knowledge and our long-standing relationships with insurers to manage and back your claim.

 

Policy exclusions include claims relating to asbestos, medical practitioners’ activities or services rendered under the influence of drugs. Please refer to the full policy terms for a complete list of exclusions.

Frequently Asked Questions

What is Professional Indemnity insurance and why do I need it?

It’s an unfortunate reality that just one small mistake, error of judgement, an injury or a perceived piece of bad advice can lead to a claim against your business or against you personally. If you don’t provide the correct professional advice or treatment to a client and they believe they’re negatively impacted, there’s a chance they could take legal action against you, potentially costing you both professionally and financially. Professional Indemnity Insurance can help you to pay the costs associated with a claim made against you, arising from an error or omission in the course of providing professional services. Depending on your policy, such costs can include legal costs.

What is Public Liability insurance?

Public liability insurance is designed for professionals and businesses who interact with clients or members of the public. Generally speaking, it covers the cost of certain claims of personal injury or property damage that a third party suffers (or claims to have suffered) as a result of your business activities.

What is Product Liability insurance?

Product liability insurance is often included as part of a public liability insurance policy. It is designed for professionals or businesses who supply products to their clients or to members of the public. Product liability insurance is designed to cover the costs of claims of personal injury or property damage caused by products sold or supplied through your business. Depending on your cover, this can include your legal or court costs.

    *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.
    **$211.20 per year is based on selecting $1m limit of professional indemnity and based in the ACT. Prices will vary across States and Territories, limit of indemnity selected and your risk profile.
    ***Cover is not provided in respect of activities in the USA or its territories and protectorates.
    ****Please refer to the terms and conditions in the policy schedule, in particular regarding claims matters.
    Disclosure and Disclaimer: The Professional Indemnity and Public and Products Liability Insurance for Allied Health Professionals is arranged by Aon Risk Services Australia Limited ABN 17 000 434 720 AFSL 241141 (Aon) on behalf of the product issuer AAI Limited, trading as Vero Insured (Vero) ABN 48 005 297 807 AFSL 230859. If you purchase this insurance, Aon will receive a commission that is a percentage of the premium. Further information can be provided upon request. Terms, conditions, exclusions and limits apply

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