Healthcare Professionals Civil Liability
Healthcare Insurance
AUD 220 /year
AUD 20M
AUD 300
All States
No
- Crime
- Medical Malpractice
- Product Liability
- Public Liability
- AHPRA regulated healthcare professionals, such as Chinese medicine, nurses, occupational therapists, osteopaths, pharmacies, physiotherapists, podiatrists and psychologists
- non-AHPRA regulated healthcare professionals, such as acupuncturists, audiologists, counsellors, dieticians, life coaches, massage therapists, naturopaths, nutritionists, optical dispensing, personal trainers and yoga instructors
- beauty therapists, such as aromatherapists, hairdressers, nail and beauty salons, laser clinics, spas and saunas
- medical establishments, such as GP clinics, allied health clinics, community clinics and specialists
Product Overview
Healthcare Professionals Civil Liability by ProRisk Underwriting Pty Ltd supports a wide mix of allied health, beauty and clinic risks. The policy suits healthcare professionals and staff who may not access traditional medical indemnity cover for doctors.
About Healthcare Professionals Civil Liability by ProRisk Underwriting Pty Ltd
Cover combines civil liability professional indemnity with public and products liability on a claims made basis. Limits start from lower levels and can reach up to $20m, with flexible excess options from $300.
Healthcare Professionals Civil Liability by ProRisk Underwriting Pty Ltd target clients include AHPRA regulated and non‑AHPRA healthcare professionals, beauty therapists, gym operators and medical establishments such as GP clinics. The underwriting appetite generally covers businesses with revenue up to $15m and fewer than 500 employees across all Australian states.
The policy is available through ProBind for online quotes and binding. Brokers can also lean on the product contact (via the “Contact Underwriter for Quote” option) and supporting documents on this page when discussing cover with clients.
Healthcare Professionals Civil Liability by ProRisk Underwriting Pty Ltd FAQs
What types of healthcare professionals can be considered under the policy?
The appetite focuses on AHPRA and non‑AHPRA regulated healthcare professionals, plus beauty, fitness and clinic‑based providers.
Typical examples include allied health practitioners, beauty therapists, gym operators, skin cancer clinics and aged care or permanent stay facilities under the Healthcare Insurance line of business, and brokers can also review the Healthcare Insurance guide for broader context.
Does Healthcare Professionals Civil Liability by ProRisk Underwriting Pty Ltd cover both individual practitioners and medical establishments?
The policy is suitable for individual practitioners and healthcare businesses that meet ProRisk’s size and occupation appetite. It typically targets operations with revenue up to around $15m and fewer than 500 employees, including GP clinics, allied health clinics and community clinics.
Is cover available for healthcare staff employed by a clinic under this civil liability policy?
Healthcare Professionals Civil Liability by ProRisk Underwriting Pty Ltd is described as meeting the needs of healthcare professionals and their staff who may not access medical indemnity cover for doctors. That means employed staff within an insured practice, such as nurses, therapists or support teams in eligible clinics, are intended to be covered within the overall civil liability protection for the insured practice.
What covers are combined in Healthcare Professionals Civil Liability by ProRisk Underwriting Pty Ltd?
The policy combines civil liability professional indemnity with public and products liability under one wording on a claims made basis. IB also lists crime as a coverage feature, so eligible insureds can address treatment, advice, premises, product and crime exposures in a single program.
Can brokers adjust limits and excess levels when quoting this healthcare civil liability policy online?
Yes, brokers can quote and bind this cover through ProBind and adjust limits and deductibles within underwriting guidelines.
The capability material states limits from $100,000 to $10m are available, IB records a maximum of $20m, and excesses can start from $300, giving room to tailor terms to each Healthcare Professionals Civil Liability by ProRisk Underwriting Pty Ltd client.
Allied Health Professionals
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