Why do Chiropractors need insurance?
As a chiropractor, you’re used to treating pains and aches. However, if your own practice was to suffer an unfortunate incident like a fire, or if a client sued you for providing incorrect advice, the financial headache from this wouldn’t be as easy for you to handle.
Like all small businesses, there are risks in the operation of your business. Some incidents could have enough financial strain to completely bring your practice to a stop. Insurance that is customised for the common risks in your industry should be a key consideration when deciding how to protect your business.
You have a 'hands-on' career, literally. And while you’re busy helping your patients with their pain, one unhappy client could be all it takes to break the back of your business’s financial livelihood. This is where Chiropractors’ insurance can step in and help safeguard your financial stability if you do experience such events.
Aon is the approved insurance broker for Chiropractic Australia members. As sector experts, we have worked with Chiropractic Australia to listen to the needs of Chiropractors and negotiated with insurers to develop to cover that is easy to understand.
Special offer: 14 months for 12
Get 14 months cover for the price of 12 when you take out a new Professional Indemnity and Public & Products Liability policy through Aon.1
Insurance Aon can arrange
Cover Benefits for Chiropractors: Professional Indemnity and Public & Products Liability
$10 million of public & products liability automatically included, with the option of increasing to $20 million for an additional cost.2
Choose a level of Professional Indemnity cover to suit your business needs: $5 million per claim and $15 million in aggregate, $10 million per claim and $30 million in aggregate, or $20 million per claim and $60 million in aggregate.2
You may be covered for claims relating to events that happened before you purchased cover, as long as you weren’t aware of a claim or facts or circumstances which could give rise to a claim, before you purchased the policy.2
Subject to eligibility criteria
You can be subject to claims for professional wrong-doing even after you retire or sell your business. Run-off cover extends your insurance policy for up to 7 years after your business ceases, to respond to claims which arose while the business was operating.2
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Why Aon?
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Feel confident about your choice of insurance by talking with specialists in your industry.
All brokers based in Australia.
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We provide specialist resources on business insurance and risk management to help you stay on top of current and emerging risks in your industry.
Frequently Asked Questions
What level of complimentary legal advice can I receive under my Professional Indemnity policy?
A total of 1 hour of complimentary legal advice is offered if you hold the CGU Medical Malpractices and Broadform Liability policy for Chiropractors & Osteopaths arranged through Aon. You can call the Legal Helpline up to a total of 1 hour in each policy year, for general legal advice relating to your professional practice. Legal advice relating to indemnity under your policy is not included.2
Is it mandatory for Chiropractors to hold insurance?
If you're practising, you need Professional Indemnity insurance arrangements in place that meet the Chiropractic Board of Australia standard.
Am I covered if I conduct home visits to treat patients?
If you conduct home visits to provide your service, the Medical Malpractice and Broadform Liability for Chiropractors & Osteopaths Policy will extend to those visits. However, this may not be the case for all policies, so we recommend contacting your broker to confirm your coverage.2
Why do Chiropractors need Public and Products Liability insurance?
Patients and members of the public frequently visit your business premises. One of your visitors could trip on the steps leading up to your business premises, twisting their ankle and dropping their brand new mobile phone. That visitor could make a claim against you, alleging that you are liable for their injury and for the damage to their phone. Chiropractors Liability Insurance provides 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
Can I place my insurance on hold if I’m going on parental leave?
We are able to arrange a 50% discount off the base premium on a pro-rata basis effective from the date you notify us that you will be going on parental leave.2
Why might I need run-off cover?
Even after you've retired or are no longer practising, you could still be subject to claims from the time you were in business. Under the Combined Professional Indemnity, Public & Products Liability Policy arranged through Aon, run-off cover allows you to arrange complimentary run-off cover for a period of up to 7 years in relation to incidents that happened while you were practising.2
When will I receive my certificate of currency?
When you purchase your insurance online you will receive your certificate of currency in minutes to your elected email address. If you purchase your insurance with one of our experienced brokers, the time line may vary.3
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 should I do if I have not received my certificate of currency or renewal offer/documents?
Please accept our apologies. At Aon we strive to deliver best in class service, so we are sorry to hear you have not received your documents. Please request your Certificate of Currency here or alternatively contact us on 1800 805 191 or [email protected] and we will look to send your documents as soon as possible.
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 [email protected] and we will pick up your query on the next business day.
Can I pay for my policy monthly?
Yes you can, monthly payments can be arranged through a premium funding agreement with Hunter Premium Funding4 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. Contact us on [email protected] and we will pick up your query on the next business day.
Self Service – Certificate of Currency
Request a Certificate of Currency for your Health Combined Professional Indemnity and Public & Products Liability policy.*
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Ways to get in touch
Or call us on 1800 805 191, or email us on [email protected]
*The self-service Certificate of Currency request form is available for insureds who have a current and paid Medical Malpractice and Broadform Liability / Combined Professional Indemnity & Public and Products Liability.
1Offer available to new customers who purchase the Medical Malpractice and Broadform Liability for Chiropractors & Osteopaths Policy and who do not currently have a Professional Indemnity or Public Liability policy through Aon. Aon reserves the right to cancel this offer at any time.
2Subject to full terms, conditions and limits of the policy. Please review the full policy wording for more information.
3We will process your certificate of currency request instantly but, depending on your internet speed and email server, it could take a few minutes to get to your inbox. If you're arranging the policy via one of our brokers the time line may vary, however it is likely, it will be a minimum of 24 hours.
4Hunter 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.
In arranging the Medical Malpractice and Broadform Liability for Chiropractors & Osteopaths Policy, Aon has a binder agreement with Insurance Australia Limited ABN 11 000 016 722 under which we are authorised to commit Insurance Australia Limited to providing cover without reference to them. 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. When acting under a binder we will be acting under an authority given to Aon by the insurer and will be effecting the insurance contract as agent of the insurer and not as your agent. Our binder arrangements with the insurer are such that we remain your agent in the handling of any claim.
Please also note that Chiropractic Australia Ltd ABN 27 606 305 579 (CA), act as a referrer of the above listed insurance/s to Aon. Where you purchase this insurance as a result of a referral from CA to Aon, CA will receive a fixed fee from Aon’s total remuneration. Please feel free to contact us for further information.