Chiropractic Australia & Aon

Insurance for members of Chiropractic Australia

Get a quote Get a quote Or Call
Or Call 1800 805 191
Mon – Fri
8:30am – 5:00pm AET

Special offer: 14 months for 122

Get 14 months cover for the price of 12 when you take out a new Professional Indemnity and Public & Products Liability policy through Aon.2

Why do Chiropractic Australia members need insurance?

As the approved insurance broker for Chiropractic Australia, we’ve been helping protect Chiropractors for over 20 years. By working closely with Chiropractic Australia, we’ve ensured the cover we arrange meets the registration requirements of the Chiropractic Board of Australia.

By trusting Aon to arrange your insurance, you can be confident you’re making a better decision for you and your business. We will have your back if you were to experience an allegation of negligence or other unfortunate incident and need to make a claim.

Special offer for members of Chiropractic Australia

As part of our longstanding partnership with Chiropractic Australia, we can arrange a discount if you’re a member of Chiropractic Australia and an additional discount if you have completed Chiropractic Australia’s Risk Management program (3 modules) or will complete within 4 weeks of your application.1

Why Aon?

Chiropractor Insurance. Easy.


Easy to Understand

  • Easy to digest information about what insurances your business needs and buy online
  • Or it’s an easy call to one of our experienced, friendly brokers on 1800 805 191

Easy to Buy

  • Quick quotes available online
  • Purchase in just a few clicks
  • Options available to pay monthly

Easy to Manage

  • Manage your renewals online and adjust your policy anytime you require, with a quick call
  • Request certificates of insurance quickly and easily
  • Aon can assist you in filing complex claims

Why choose Aon for Chiropractors Insurance? 

When it comes to insurance for Chiropractic Australia Members, there are a few options available to you. Aon is committed to making life easier for you with insurance that’s easy to understand, buy and manage, so you can get quotes and take out a policy online in just a few clicks. Or if you need help, our team of friendly experienced brokers are a phone call away to help you understand what insurances you may or may not need, but more importantly why; helping give you confidence that you’re making a better decision for you and your business.

What insurance do Chiropractic Australia Members need?

Professional Indemnity
This provides cover in the event a third party alleges that you have been negligent in performing your services or giving advice, and as a result, they have suffered injury or financial loss. For example, a client may allege that your treatment led to their condition worsening, and caused them more pain and take legal action against you. Professional Indemnity insurance may cover the cost of legal representation, as well as compensation you’re required to pay as result of the claim.2

Professional Indemnity Insurance is a requirement under the Chiropractic Board of Australia.
Public Liability
Public Liability Insurance helps protect your business against liability for third-party personal injury or property damage arising out of your business activities. For example, if a client or visitor was to slip and fall while on your business premises, you would look to this policy to cover the claim.

While these events may seem rare, if they do occur, the financial impacts can be very significant. As a Chiropractor your profession involves significant interaction with clients, therefore Public Liability is a crucial cover to consider for your business, whether that’s at your office, out in public, or at your clients’ homes.2
Business Insurance
Business Insurance is designed to protect your business and its assets (including equipment) against certain unexpected events. For example it can include cover for damage to business premises and/or equipment caused by fire, storm, theft and other insured events.2

A key part of this policy is Business Interruption, which can provide protection for lost revenue in the event your business is unable to operate as usual due to an insured peril.

Business Insurance is made up of a number of cover sections, and you can choose the sections that relate to your business. Cover is also available for damage to money (if you keep cash on premises), portable contents such as mobile phones and laptops, and Public Liability.
Cyber Insurance
Cyber insurance helps protect you against certain cyber related threats, such as unauthorised access to your computer system or network resulting in loss or theft of data.

As a Chiropractor, you may store valuable client data (such as personal details, bank account details and health records). When this type of personal information is kept digitally in your care, custody or control, it is important to consider the risks of data and security breaches. Cyber insurance may be worth considering when protecting your business against these risks.2

Cyber insurance has now become one of the essential products a business in the health industry should consider.
Product Liability
Product liability insurance is typically included as part of a public liability insurance policy.

Product liability insurance helps protect your business against financial liability for third party injury or damage caused by products sold or supplied through your business.

Public and Products Liability policies can cover legal defence and court costs, assisting your business with the financial setbacks of defending a claim.2

Cover benefits for Chiropractic Australia Members

1 hour complimentary legal advice
For matters related to your professional services, included as part of your Professional Indemnity policy and offered via select legal firms.3

Public and Products Liability limit
$10 million of public & products liability automatically included, with the option of increasing to $20 million for an additional cost.3

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.3

Unlimited retroactive date for Professional Indemnity insurance
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 facts or circumstances which could give rise to a claim, before you purchased the policy.3

Subject to eligibility criteria and must be stated in the Schedule.

FAQs

Frequently Asked Questions
Here are some questions commonly asked by Chiropractic Australia Members.
What level of complimentary legal advice can I receive under my Professional Indemnity policy?
A total of 1 hour of complimentary legal advice is offered if you hold the CGU Medical Malpractices and Broadform Liability policy for Chiropractors & Osteopaths arranged through Aon. You can call the Legal Helpline up to a total of 1 hour in each policy year, for general legal advice relating to your professional practice. Legal advice relating to indemnity under your policy is not included.
Is it mandatory for Chiropractors to hold insurance?
If you're practising, you need Professional Indemnity insurance arrangements in place that meet the Chiropractic Board of Australia standard.
Am I covered if I conduct home visits to treat patients?
If you conduct home visits to provide your treatment services, the Professional Indemnity and Public & Products Liability Policy arranged through Aon will extend to those visits.3 However, this may not be the case for all policies, so we recommend contacting your broker to confirm your coverage.
Explore more FAQs
Why do Chiropractors need Public and Products Liability insurance?
Patients and members of the public frequently visit your business premises. One of your visitors could trip on the steps leading up to your business premises, twisting their ankle and dropping their brand new mobile phone. That visitor could make a claim against you, alleging that you are liable for their injury and for the damage to their phone. Chiropractors Liability Insurance provides cover for legal liabilities if a member of the public makes a claim that they were injured, or damage was caused to their property because of your business dealings or on your premises.2

Can I place my insurance on hold if I’m going on parental leave?
We are able to arrange a 50% discount off the base premium on a pro-rata basis effective from the date you notify us that you will be going on parental leave.3

Contact


Call 1800 805 191

8:30am - 5:00pm AET
Mon - Fri (except public holidays) 

Email us

1Discounts are dependent on meeting underwriting guidelines and questions.

2Available to new Aon customers who do not currently have a Professional Indemnity or Public Liability policy arranged by Aon. Aon reserves the right to cancel this offer at any time.

3Subject to full terms, conditions and limits of the policy. Please review the full policy wording for more information.

In arranging the Medical Malpractice and Broadform Liability for Chiropractors & Osteopaths Policy, Aon has a binder agreement with Insurance Australia Limited ABN 11 000 016 722 under which we are authorised to commit Insurance Australia Limited to providing cover without reference to them. 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 or provided upon request. When acting under a binder we will be acting under an authority given to Aon by the insurer and will be effecting the insurance contract as agent of the insurer and not as your agent. Our binder arrangements with the insurer are such that we remain your agent in the handling of any claim.