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.

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.

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

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.

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.

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.

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:

• 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]

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:

• 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]