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 Acupuncturists need Insurance?
A 3,000-year-old healing technique involving insertions of fine, sterile needles – as an Acupuncturist, your craft can work wonders on your clients. By improving the body’s functions and promoting a natural self-healing process, you’ve helped heal some of your clients’ biggest health concerns. However, sometimes mishaps can quickly disrupt the flow of your business operations, and helping your business heal from these mishaps might not be so easy without the right insurance cover in place.
As satisfying as it is to help your clients and treat their pain, it can merely take one unhappy client, or a severe storm, to create enough of a prickle to throw off the balance in your own world. Whether it’s being inundated with legal costs to defend your business, or needing to find extra cash to repair or replace your equipment, these incidents can happen to even the most cautious and experienced business owners/practitioners. Insurance is therefore an important consideration to help ensure your business can handle the financial strain of such events.
Accupuncturists' Insurance. Easy
Easy to understand
- Easy to digest information about what insurances your business needs and buy online
- Or it’s an easy call 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
- Adjust your policy anytime you require and manage your renewals with a quick call
- Request certificates of insurance quickly and easily
- Aon can assist you in filing complex claims
Why choose Aon for Acupuncturists’ insurance?
When it comes to insurance for Acupuncturists, there are a few options available to you, and deciding which ones you need might not be easy. Aon is committed to making life easier for you by arranging 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 do 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.
For example, a client may allege that your acupuncture treatment caused their condition to worsen, leading to further injury and pain and sue you for financial compensation.
Professional Indemnity Insurance is a requirement under the Australian Health Practitioner Regulation Agency Chinese Medicine Board.
Public Liability Insurance protects against financial liability for third party personal injury or property damage arising out of your business activities.2 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. Public Liability is therefore a crucial cover to hold for any business which interacts with members of the public, whether that’s at their office, out in public, or at your clients’ homes.
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.2
As an Acupuncturist 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 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 of Acupuncturists' Professional Indemnity Insurance
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 cover that to suits you: $1 million, $2 million, $5 million, $10 million or $20 million.2
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.
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
Public 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 premises2.
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.
If you conduct home visits to provide your service, the Aon Health Combined Professional Indemnity, Public & Products Liability Policy will extend to those visits.2 However, this may not be the case for all policies, so we recommend contacting your broker to confirm your coverage.
Why might I need run-off cover?
Even after you've retired or are no longer practising, you could still be subject to claims which arise from when you were in business. Under the Aon Health Combined Professional Indemnity, Public & Products Liability Policy, run-off cover allows you to arrange complimentary run-off cover for a period of 7 years in relation to incidents that happened while you were practising.2
I operate my practice from home, do I need insurance?
If you operate your practice from home, Professional Indemnity is still relevant as the risk of clients alleging professional negligence on your part is still applicable. It’s likely at some point, you will meet with clients in person, whether that’s at their home, or out in public, so Public & Products Liability is also very relevant for you. Business Insurance can also help cover the cost of your office equipment such as mobile phone or laptop if they’re stolen or damaged.
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 1800 805 191 during business hours or email email@example.com
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 have changed, for example you have moved into a 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 1800 805 191 or firstname.lastname@example.org
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 1800 805 191 or email@example.com and we will look to send your documents as soon as possible.
What are your opening hours?
Our opening hours are 8.30 a.m. to 5.00 p.m. Monday to Friday (except public holidays). If you need to contact us out of hours you can email us at firstname.lastname@example.org 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 1800 805 191 or by email on email@example.com.
2Subject to full terms, conditions and limits of the policy. Please review the full policy wording for more information.
3We 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. If you're arranging the policy via one of our Brokers the time line may vary, however it is likely to be a minimum of 24 hours.
4Hunter Premium Funding is a third party independent of Aon, however Aon will receive a commission if you pay for your policy through a premium funding agreement with them.
Aon Health Combined Professional Indemnity, Public & Products Liability Insurance is arranged by Aon Risk Services Australia Limited ABN 17 000 434 720 (Aon) on behalf of the underwriter, Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. 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.