Special offer: 14 months for 121
Get 14 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 Chiropractors need insurance?
As a chiropractor, you’re used to treating pains and aches. However, if your own practice was to suffer an unfortunate incident like a fire, or if a client sued you for providing incorrect advice, the financial headache from this wouldn’t be as easy for you to handle.
Like all small businesses, there are risks in the operation of your business. Some incidents could have enough financial strain to completely bring your practice to a stop. Insurance that is customised for the common risks in your industry should be a key consideration when deciding how to protect your business.
You have a 'hands-on' career, literally. And while you’re busy helping your patients with their pain, one unhappy client could be all it takes to break the back of your business’s financial livelihood. This is where Chiropractors’ insurance can step in and help safeguard your financial stability if you do experience such events.
Aon is the approved insurance broker for Chiropractic Australia members. As sector experts, we have worked with Chiropractic Australia to listen to the needs of Chiropractors and negotiated with insurers to develop to cover that is easy to understand.
Don't just insure, be sure
Business insurance can be complicated. What you think you’re paying for isn’t always what you get. As a broker and Chiropractors insurance specialist, Aon helps you find a policy customised for the common risk of your industry so you’re more confident that you’ve found the right type of insurance for your business.
Why Aon for Chiropractors Insurance?
Don't just insure, be sure.
Right type of cover
- Aon arranges Insurance tailored to protect against common risks in the Chiropractors sector
- We help you to understand how your policy protects against the common risks as a Chiropractor
- Competitive premiums thanks to Aon’s scale and influence.
- A team of experienced Chiropractors insurance specialists to help you at every step
- We help you make claims and advocate on your behalf
- Australian based teams.
Easy to manage
- Quotes online or over the phone on 1800 805 191
- Options to take out premium funding loans to pay monthly. Fees and charges will apply
- Adjust your policy any time. Terms and conditions may apply
- Easy renewal management
- Online requests for certificates of insurance.
Rely on Aon’s industry expertise in Chiropractors insurance
Business insurance can be complicated. What you think you’re paying for isn’t always what you get. At Aon, we want you to feel confident you’ve made a smart decision for your business insurance needs.
As SME specialists for Chiropractors insurance, we understand the risks that businesses like yours face and how to insure against them. We know insurance policies and understand that the detail of your policy wording is critical to providing the type of cover your small business needs. That’s why we help you by arranging policies customised for the common risks of your industry.
Our team of Australian-based SME insurance experts are here to support you and your business every step of the way. We’ll give you access to the relevant information required to help you understand the cover options available to you so you can feel more informed about your choice of insurance.
Professional Indemnity Insurance is a requirement under the Chiropractic Board of Australia.
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
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 a Chiropractor, you may store valuable client data (such as personal details, bank account details, 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 Chiropractors Professional Indemnity Insurance
Public and Products Liability cover options
Public Liability is $20 million for any one occurrence. Products Liability is $20 million for any one claim and in the aggregate.2
Professional Indemnity cover limits
Choose between the following limits: $5 million and $15 million in the aggregate. $10 million and $30 million in the aggregate. $20 million and $60 million in the aggregate.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.
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
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're practising, you need Professional Indemnity insurance arrangements in place that meet the Chiropractic Board of Australia standard.
Patients and members of the public could continually be dropping in and out of your practice. One of these people could be playing on their phone, and not paying attention to the world around them. While their head is buried in the fictional world of their favourite game they could trip over a chair in your waiting room, sending them toppling over; losing their game, breaking their phone and twisting their ankle. They could make a claim that you were at fault and that you’re liable. 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
I am going on parental leave. Can I place my policy on hold?
We are able to apply 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.2
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
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 to your elected email address within minutes. 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, it will 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.
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.