Hearing Business Alliance and Aon

Insurance for members of Hearing Business Alliance

Call to learn more Call to learn more Or Call
To discuss your insurance requirements, contact Aon on 03 9917 7237
Mon – Fri
8:30am – 5:00pm AET

Special offer: 15 months for 121

Get 15 months cover for the price of 12 when you take out a new Professional Indemnity and Public & Products Liability policy through Aon.1

Why do Hearing Business Alliance Members need insurance?

The sound of birds, music, or even some of the most unpleasant sounds… as an audiologist, the service you provide helps your clients with a sense many take for granted. Sometimes though, unfortunate events happen to even the most alert business owners. It’s therefore important to make sure you take steps to help protect your business with insurance through a broker that is all ears with the risks your industry faces.

As the approved insurance broker for HBA, Aon offer cover that is in tune with the needs of HBA members.

Why Aon?

Insurance for Hearing Business Alliance members. 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 03 9917 7237

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 Audiologists Insurance?

When it comes to insurance for Audiologists, 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.

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 HBA Members need?

Professional Indemnity
(includes Public & Product Liability)
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 audiology 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
Public Liability
(included in our Professional Indemnity package)
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 an Audiologist 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 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 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 an Audiologist, 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
(included in our Professional Indemnity package)
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 Hearing Business Alliance Members

2 hours complimentary legal advice
You could save hundreds of dollars on outside legal costs with 2 hours of complimentary legal advice on risks insured under this Policy. Legal advice relating to your policy is not included.2

Flexible Professional Indemnity cover limits
Choose a level of Professional Indemnity that to suits you: $10 million or $20 million.2

No excess
No excess for certain claims against the Professional Indemnity or Product Liability section, where provided in the Schedule.2

Public and Products Liability cover
$20 million combined Public and Products Liability limit per claim and $60 million in the aggregate for all claims.2

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 facts or circumstances which could give rise to a claim, before you purchased the policy.2

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

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.2

FAQs

Frequently Asked Questions
Here are some questions commonly asked by Hearing Business Alliance.
What level of complimentary legal advice do I receive?
A total of 2 hours of complimentary legal advice is offered if you hold the Aon Health Combined Professional Indemnity, Public & Products Liability Policy. You can call the Legal Helpline up to a total of 2 hours in each policy year, per policy, for general legal advice relating to your practice. Legal advice relating to your policy is not included.2

The Legal Helpline is entirely confidential, and you'll be supported by a network of lawyers who work independently of Aon. This conversation will not impact the future cost of your insurance premium.
Why do Audiologists need Public Liability insurance?
Public Liability is an important cover for any business that interacts with members of the public. One of your clients or a member of the public could take a spill and hurt themselves or damage their property on your premises. This could lead to them making a claim against your business, and you could be held liable.

Public Liability insurance includes 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.
Am I covered if I conduct home visits to treat patients?
If you conduct home visits to provide your service, the Health Combined Professional Indemnity, Public & Products Liability Policy arranged through Aon will extend to those visits. However, this may not be the case for all policies, so we recommend contacting your broker to confirm your coverage.
Explore more FAQs
Why might I need 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. Under the Combined Professional Indemnity, Public & Products Liability Policy arranged through Aon, run-off cover allows you to arrange complimentary run-off cover for a period of up to 7 years in relation to incidents that happened while you were practising.2

When will I receive my certificate of currency?
When you purchase your Aon Health Combined Professional Indemnity, Public & Products Liability Policy online you will receive your certificate of currency in minutes to your elected email address. If you purchase your insurance with one of our experienced brokers the time line may vary.3

How do I make a claim?
You will find details of how to make a claim in the policy wording you receive from us. However, we also appreciate that having to make a claim can be a stressful time. That's why as your advocate we are always on hand to help with any questions. Please do not hesitate to call us on 03 99177237 during business hours.

What if I need to make a change to my policy?
It is important to keep your policy up to date with the changing shape of your business but also to keep your business and personal information up to date in the event of a claim.

Should your business circumstances change, for example you have moved into new premises or you have changed the services that you offer and you are not sure if your existing insurance covers it anymore then you can always call one of our experienced friendly brokers to discuss on 03 99177237.

How do I renew my policy?
Your renewal offer, schedule and tax invoice will be sent to you via your elected email address approximately 30 days before your renewal date. It is important at this stage to review the details of our offer carefully (remember pricing and coverage levels may have changed so it is important to review). If you are happy with the offer and wish to accept, it is important that you pay for your renewal by the date specified on the tax invoice. Thank you for looking into renewing your policy through Aon. It is greatly valued that you are pleased with the level of service and coverage you receive.

What should I do if I have not received my certificate of currency or renewal offer/documents?
Please accept our apologies. At Aon we strive to deliver best in class service, so we are sorry to hear you have not received your documents. Please request your Certificate of Currency here or alternatively contact us on 03 99177237or lauren.stafrace@aon.com and we will look to send your documents as soon as possible.

What are your opening hours?
Our opening hours are 8.30am to 5.00pm Monday to Friday (AET, except public holidays). If you need to contact us out of hours you can email us at lauren.stafrace@aon.com and we will pick up your query on the next business day.

Can I pay for my policy monthly?
Yes you can, monthly payments can be arranged through a premium funding agreement with Hunter Premium Funding4 to help you spread the costs of your insurance across the year. Please note that the total overall cost is higher if you pay monthly. Contact us on 03 99177237 or by email on lauren.stafrace@aon.com.

Contact


Ways to get in touch

Call 03 9917 7237

8:30am - 5:00pm AET
Mon - Fri (except public holidays) 
The Aon Health Combined Professional Indemnity and Public & Products Liability Policy is arranged by Aon under a binder agreement on behalf of the Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. When acting under a binder we will be acting as agent of the CGU Insurance and not as your agent. Our binder arrangements with CGU Insurance are such that we remain your agent in the handling of any claim. 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.