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Professional Indemnity and Public Liability Insurance for Counsellors


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Tailored insurance designed for Counsellors

Counsellors insurance includes both Professional Indemnity and Public Liability in one policy. 

Why do Counsellors need Professional Indemnity insurance?

As a Counsellor, you play a vital role in helping people cope with a variety of issues, with the aim to help them lead happier and healthier lives. You’re dealing with people in crisis and this could lead to a patient misunderstanding your advice and a legal claim being made against you.

Counsellors Indemnity insurance is designed to protect you if something goes wrong while you’re with a client, it includes cover against a wide range of risks like claims of professional negligence.2

Mandatory insurance

As a Counsellor, you need to be covered by a level of Professional Indemnity insurance that meets the Australian Health Practitioner Regulation Agency standard.3

Why do Counsellors need Public Liability insurance?

You know there are things in life that are out of our control, like accidents. There could be a loose nail, and someone could snag themselves on it, setting into motion any number of events that could lead you to being sued. You could be held liable if someone is injured or their property is damaged on your premises or because of your business dealings.

Counsellors 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

Counsellors insurance cover benefits:

Complimentary Legal Advice
2 hours complimentary legal advice
You could save hundreds of dollars on outside legal costs with 2 hours of complimentary legal advice that’s included in this policy.2
Public and Products Liability cover
$20 million combined Public and Products Liability limit per claim and $60 million in the aggregate.2
Flexible Professional Indemnity cover limits
Choose a level of Professional Indemnity that to suits you: $1 million, $2 million, $5 million, $10 million or $20 million.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.
No excess
No excess for certain claims against the Professional Indemnity or Product Liability section.2
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

Better for Counsellors in 3 simple ways

Frequently Asked Questions

What does Counsellors insurance cover?
Professional Indemnity covers2:
 
Claims made against you during the period of insurance resulting from certain errors or omissions in the conduct of your professional services.
Legal fees, settlements and court attendance costs associated with any such claim.
 
Public and Products Liability covers legal liability for2:
 
Third-party injury or property damage arising as a result of your business that occurs on any premises you work from, in most parts of the world.5
The sale or supply of a product that causes bodily injury or property damage.
How much is Counselling insurance?
We arrange insurance designed for Counsellors at competitive prices. Our prices start as low as $211.20.6
What level of complimentary legal advice can I receive?
A total of 2 hours of complimentary legal advice is offered when you hold a Professional Indemnity policy arranged through Aon. 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
  1. Available to customers who do not currently have a Professional Indemnity or Public Liability policy through Aon. Aon reserves the right to cancel this offer at any time.
  2. Subject to full terms, conditions and limits of the policy. Please review the full policy wording for more information.
  3. Australian Health Practitioner Regulation Agency - Consultation report: Professional Indemnity Insurance (PII).
  4. We 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.  
  5. Cover is not provided in respect of activities in the United States of America or Canada and their territories.
  6. Insured being qualified/registered as required, and when applicable - member of relevant association, also takes into account eligibility/referral/underwriting questions and category of cover selected including professional indemnity limit of liability $1,000,000 and public liability limit of liability of $20,000,000. Excluding optional extensions. Government charges will differ from state to state and affect the premium payable.

Professional Indemnity, Product Liability and Public Liability Insurance for Counsellors is arranged by Aon Risk Services Australia Limited ABN 17 000 434 720 (Aon) on behalf of the underwriter, AAI Limited trading as Vero Insurance (Vero) ABN 48 005297 807 AFSL 230859. 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.

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