Professional indemnity, AHPRA investigation cover, cyber liability, and public liability for Queensland health practitioners — because a complaint doesn't need to result in a finding to be expensive.
These are the exposures that regularly catch Medical & Allied Health off guard — often because they weren't on anyone's radar until a claim was already underway.
A patient who experiences an adverse outcome — whether from a procedure, treatment plan, or clinical recommendation — may lodge a claim against you personally. The cost of defending a medical PI claim is significant, and the process is long. Cover needs to be in place from the first day you practice.
An AHPRA complaint doesn't require a patient to have suffered harm — it can arise from documentation, communication, or a disagreement about treatment approach. The investigation process itself is costly and time-consuming, even when it results in no adverse finding. Not all PI policies cover AHPRA investigation costs.
Health practices hold highly sensitive personal health information protected under the Privacy Act and Australian Privacy Principles. A ransomware attack or data breach involving patient records creates significant regulatory exposure and notification obligations — with penalties for non-compliance.
Telehealth has expanded the geographic scope of many practices. Providing services across state lines or to patients in different jurisdictions can affect the coverage conditions of standard medical PI policies — particularly where the jurisdiction has different regulatory requirements.
Patients visiting your practice premises — including waiting areas, treatment rooms, and car parks under your control — create a premises liability exposure. A patient who trips, falls, or is injured on your premises has a potential claim against you as the occupier.
Medical PI is claims-made. If you retire, join a new practice, or change your practice structure without adequate run-off cover, prior patient care can remain exposed. The long latency of some clinical claims — particularly in obstetrics, paediatrics, and surgical specialties — makes run-off planning critical.
The insurance products most relevant for Medical & Allied Health — placed through insurers we deal with regularly.
Covers claims arising from your clinical practice — treatment outcomes, clinical decision-making, documentation, and professional advice. Includes AHPRA investigation costs and regulatory proceedings in comprehensive policies.
Covers the costs of responding to a breach of patient health records — forensic investigation, regulatory notification, patient communication, and business interruption. Health records carry the highest sensitivity classification under Australian Privacy law.
Covers injury to patients, visitors, and third parties at your practice premises — slips, falls, and incidents that occur while patients are in your care but are not related to the clinical treatment itself.
Covers your practice premises, clinical equipment, and office contents. For practices with specialist clinical equipment, accurate asset values and equipment breakdown cover are particularly important.
Three reasons to consider using a broker rather than buying direct.
AHPRA investigation cover is not automatically included in all medical PI policies. We check whether regulatory proceedings cover is included, so you understand your position before an investigation arises.
Patient health records are among the most sensitive data you can hold. We discuss cyber insurance alongside your PI, so you understand how each policy may respond to an incident involving patient data.
Joining a hospital network, moving to part-time practice, retiring or changing specialties all carry run-off implications. We raise these early, before the change is already happening.
Tell us about your situation and a broker will come back to you — no jargon, no pressure, no obligation.
General advice warning: any advice we provide is general in nature and does not take into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for you and read the relevant Product Disclosure Statement and our Financial Services Guide.
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