Industries / Health and allied health
Health and allied health: the covers businesses usually need
Physiotherapists, psychologists, chiropractors, dentists and disability support providers treat or care for patients and clients. Their main exposure is a claim that treatment or care caused harm.
What can go wrong
The exposures that drive claims in health and allied health.
Treatment that causes harm
A patient says a manipulation caused an injury, or that advice delayed a diagnosis. Medical indemnity responds to claims arising from treatment.
Complaints and regulators
A complaint to Ahpra or a health complaints body can lead to an investigation, with legal costs, even where no claim for damages follows.
The clinic itself
A patient slips in the waiting room, or equipment and records at the clinic are damaged.
Health records
Clinics hold sensitive personal information. A breach has notification obligations and can lead to claims.
NoteRegistered health practitioners must hold professional indemnity insurance that meets the registration standard set by their Ahpra national board. The industry lookup asks whether the practitioners are registered with Ahpra.
Covers the lookup lists
What the industry lookup lists for typical businesses in this industry.
These are the results of the Cuttleflow industry lookup (release exp-0.7.0) for the businesses below, before any questions are answered. Answers about staff, vehicles, premises, contracts and the state change the list. Covers the lookup lists only as “consider” are left out here. Every class on the Commons wordings is available on Cuttleflow Go; “On Cuttleflow Go” links to the class. A Marketplace class is also placed by brokers through the Cuttleflow Marketplace.
- Physiotherapists · APRA CPHYSI Physiotherapy
- Psychologists · APRA CPSYCO Psychology
- Chiropractors · APRA CCHIRO Chiropractics
- Dentists · APRA CDENTI Dentistry - Oral Surgery
- Disability support · ANZSIC 8790 Other Social Assistance Services
| Cover | Lookup tier | Where it is written | Listed for | Why it is listed |
|---|---|---|---|---|
| Workers compensation | Must have Compulsory where it applies | Statutory scheme (depends on state) | All of these businesses | Employers must hold workers compensation cover in every state and territory, apart from limited wage-based exemptions. Depends on: how many employees does the business have, not counting owners. |
| General liability | Recommended | On Cuttleflow Go | All of these businesses | Almost every business deals with customers, visitors or other people's property, so it can be held liable for injury or damage. |
| Medical indemnity | Recommended | On Cuttleflow Go | All of these businesses | This occupation treats or cares for patients or clients, and treatment can cause injury. |
| Management liability | Recommended | On Cuttleflow Go · Marketplace class | All of these businesses | Companies and associations have directors or committee members who can be personally liable, and every employer can face employment claims. |
| Commercial motor | Recommended | On Cuttleflow Go · Marketplace class | All of these businesses | The business owns or leases fewer than ten vehicles used for work. Depends on: how many vehicles does the business own or lease for work; does the business own or lease vehicles used for work. |
| Motor fleet | Recommended | On Cuttleflow Go · Marketplace class | All of these businesses | Ten or more vehicles can be insured as a fleet, priced partly on the fleet's own claims record. Depends on: how many vehicles does the business own or lease for work. |
| Business package | Recommended | On Cuttleflow Go · Marketplace class | All of these businesses | The business has premises, stock or equipment that fire, storm, theft or water damage could destroy, and it would lose income while it rebuilds. Depends on: does the business have premises, stock or equipment at a fixed site. |
Classes on the Commons wordings
Classes for this industry on Cuttleflow Go.
Brokers
Win clients in health and allied health
Put the industry lookup and an indicative price on your own channels, and take leads from the public marketplace when it opens. Place every risk once, with every market in the class, on the same wording.
Underwriting agencies
Write this business on Cuttleflow Go
Your own rates and rules on the Commons wordings, quoted to your brokers from day one and to Marketplace brokers when the class opens.
General information. This page is not advice about any business and does not recommend any insurer or product. The lookup’s rules are a first draft and have not yet been reviewed by an underwriter or a lawyer. Check each cover against the circumstances and the policy wording, and check compulsory insurance with the regulator in the relevant state. Industry classes: Australian Bureau of Statistics, ANZSIC 2006 (cat. no. 1292.0), © Commonwealth of Australia. Professional occupations: APRA National Claims and Policies Database.
Other industries