As a sonographer, you use an ultrasound to perform specialised diagnostic examinations, helping doctors diagnose and monitor a variety of conditions such as heart disease and cancer.

Why do Sonographers need Professional Indemnity insurance?

If you don’t provide the correct professional advice or treatment to a client and they are negatively impacted, there is a chance that 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.

Professional indemnity insurance can act as a safety net to provide protection from the costs associated with any claims (including legal costs and any damages awarded).¹

Why choose Aon for Sonographers insurance?

When it comes to insurance for Sonographers, 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. Complete our online form and a member of our team will get back to you. If you do need help, or prefer to speak to a person, 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.

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Prefer to discuss before you buy? Our team of insurance specialists are here to answer all your questions over the phone.

1800 805 191

What insurance do Sonographers need?

Professional Indemnity

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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 ultrasound caused their condition or pain to worsen/had a negative impact on their health 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.^₁ If you take out this Professional Indemnity policy through Aon, Public and Products Liability is available as an optional extra for an additional cost.

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Public Liability

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Public and Products Liability cover is available as an optional extra as part of Professional Indemnity policy (for an additional cost).

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 Sonographer, 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.¹

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Business Insurance

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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.¹

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.

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Cyber Insurance

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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 Sonographer 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.¹

Cyber insurance has now become one of the essential products a business in the health industry should consider.

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Product Liability

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Public and Products Liability cover is available as an optional extra as part of Professional Indemnity policy (for an additional cost).

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.¹

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Cover benefits of Sonographers Indemnity Insurance

Flexible Professional Indemnity Limits

Choose a level of Professional Indemnity that to suits you: $2 million, $5 million and $10 million.¹

Reinstatement

Policy includes one reinstatement of the limit of indemnity per policy period, if the Limit of Liability is partially reduced or exhausted.¹

Public & Product Liability Covers (Optional)

No excess for certain claims against the Professional Indemnity or Product Liability section, where provided in the Schedule.¹

FAQs

Frequently Asked Questions

Here are answers to some commonly asked questions by Sonographers.

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.

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.

When will I receive my certificate of currency?

When you purchase your Professional Indemnity 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.²

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Why do Sonographers 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.

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 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 au.ultrasound@aon.com

Why might I need run-off cover for Professional Indemnity insurance?
Even after you've retired or are no longer practising, you could still be subject to claims from the time you were in business.

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 au.ultrasound@aon.com.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 (except public holidays). If you need to contact us out of hours you can email us at au.ultrasound@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 Funding3 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 au.ultrasound@aon.com

Call 1800 805 191

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

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au.ultrasound@aon.com

¹Subject to the full terms, conditions and limits of the policy. Please review the full policy wording for more information.The Sonographers General and Products Liability Policy Wording and Sonographers Professional Indemnity Policy provides cover for Sonography and Radiology services excluding Obstetrician & Gynaecologists, Paediatrics & Neo-Natal, Paediatric Echocardiography (SPPE), Neurosonography in Infants, Neonatal Ultrasound Modality, Ultrasound in the Diagnosis of Development and Hip Dysplasia and Dislocation.

²We 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.

³Hunter 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 Sonographers General and Products Liability Policy Wording and Sonographers Professional Indemnity Policy, Aon has a binder agreement under which we are authorised to commit Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance (CGU) 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 affecting 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.

Sonographers General and Products Liability Policy Wording and Sonographers Professional Indemnity Policy Wording 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 (CGU). 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.