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Health, fitness and wellbeing

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Or call 1800 805 191 Mon - Fri 8:30am - 5:00pm AET

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Insurance for Health Professionals

Whether you’re an occupational therapist, chiropractor or psychologist, as a Health Professional, the service you provide helps your clients live richer and fuller lives. You’re in your chosen field because you love helping people, and it’s what you do best. This is why when it comes to protecting your practice with insurance, it’s worth being with a broker you can trust.

Select your profession to obtain a quote for Combined Professional Indemnity and Public & Products Liability

Chiropractor

Special offer 15 months for 121
View cover benefits

Osteopaths

Special offer 14 months for 121
View cover benefits

Occupational Therapist

Special offer 15 months for 121
View cover benefits

Personal Trainer

Special offer 15 months for 121
View cover benefits

Physiotherapist

Special offer 15 months for 121
View cover benefits

Pilates Instructors

Special offer 15 months for 121
View cover benefits

Podiatrist

Special offer 15 months for 121
View cover benefits

Psychologist

Yoga Teacher

Special offer 14 months for 121
View cover benefits

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What is Combined Professional Indemnity and Public & Products Liability (PI+PPL)

PI is intended to cover you if a 3rd party alleges you have been negligent with regards to your advice or service.
PPL is intended to cover your liability for 3rd-party personal injury or property damage arising out of your business activities.

Can't find your occupation?

Take a look at our Complementary Health page.

Other insurance Aon can arrange

Frequently Asked Questions

What Insurance do Health Professionals need to consider?

There are a few types of insurance you may need to protect your business. In our opinion, one of the most important forms of insurance required is Professional Indemnity Insurance. Professional indemnity Insurance helps protect you from the cost of a lawsuit when a client is dissatisfied with your work. In addition to Professional Indemnity Insurance, you may also need other forms of cover. If your work involves dealing with any members of the public, you might also need Public and Products Liability Insurance. Business Insurance is also a good option if you operate out of a physical business premises, and/or have business assets and equipment. Speaking to your broker can help you understand the different options you have so you can make a decision that’s right for you.

Is it mandatory for Health Professionals to hold insurance?

This will depend on your specific field. Some fields are required to hold a minimum level of Professional Indemnity in order to practice, while there are no requirements within others. We recommend checking with your relevant board or association to find out about insurance requirements in your field.

Why do Health Professionals need to consider 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.2

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 broker we are always on hand to help with any questions. Please do not hesitate to call us on 1800 805 191 during business hours.

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 a 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 during business hours.

How do I renew my policy?

Your renewal offer, schedule and tax invoice will be emailed to you approximately 30 days before your renewal date. Please ensure you 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, simply make payment by the date specified on the tax invoice.

What are your opening hours?

Our opening hours are 8.30 a.m. to 5.00 p.m. Monday to Friday (except public holidays). If you need to contact us out of hours you can email our health professions-specific team:

Can I pay for my policy monthly?

Yes you can, monthly payments can be arranged through a premium funding agreement with Hunter Premium Funding2 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. If you need to contact us you can email our health professions-specific team:

Self Service – Certificate of Currency


Request a Certificate of Currency for your Health Combined Professional Indemnity and Public & Products Liability policy.*

The news you need to know

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Ways to get in touch

Chiropractor / Osteopath ([email protected])
Occupational Therapists ([email protected])
Personal Trainer ([email protected])
Physiotherapist ([email protected])
Psychologist ([email protected])
Yoga/Pilates Instructor ([email protected])
All Other Health Professions ([email protected])

Or call us on 1800 805 191



1 Offer available to new customers who purchase the Aon Health Combined Professional Indemnity, Public & Products Liability Policy, Chiropractors and Osteopaths Medical Malpractice & Broadform Liability, and who do not currently have a Professional Indemnity or Public Liability policy through Aon. Offer may be cancelled at any time.

2Subject to full terms, conditions and limits of the policy. Please review the full policy wording for more information.

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.

Aon Health Combined Professional Indemnity and Public & Products Liability Insurance, Chiropractors and Osteopaths Medical Malpractice & Broadform Liability, and Psychologists Combined Professional Indemnity and Public & Products Liability Insurance policies are arranged by Aon under a binder agreement on behalf of the underwriter, Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. When acting under a binder we will be acting as agent of the CGU Insurance and not as your agent. Our binder arrangements with the CGU Insurance are such that we remain your agent in the handling of any claim. 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.