Why do Osteopaths need insurance?
You do a lot of good, but bad things can happen. A patient could claim that your treatment didn’t work or made a pre-existing condition worse and seek to hold you accountable. Even if your clients are fully happy with your service, think about if a major storm hit and damaged your office so badly that you could no longer host clients there. The bills wouldn’t go away, but you’d suddenly have to find a lot of money to repair the damage. Having appropriate insurance in place can help make sure you’re not faced with exorbitant out of pocket costs when faced with such unfortunate incidents.
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
What are the cover benefits
Cover benefits under the Medical Malpractice & Broadform Liability for Chiropractors & Osteopaths
For matters related to your professional services, included as part of your Professional Indemnity policy and offered via select legal firms.3
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 and must be stated in the Schedule.
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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Frequently Asked Questions
Is it mandatory for Osteopaths to hold insurance?
If you're practising, you need Professional Indemnity insurance arrangements in place that meet the Osteopathy Board of Australia standard.
Am I covered if I conduct home visits for 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.
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
Why do Osteopaths need Public Liability insurance?
Patients and members of the public could continually be dropping in and out of your practice. One of these people could be playing on their phone, and not paying attention to the world around them. While their head is buried in the fictional world of their favourite game they could trip over a chair in your waiting room, sending them toppling over, losing their game, breaking their phone and twisting their ankle. They could make a claim that you were at fault and that you’re liable. 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
I am going on parental leave. Can I place my policy on hold?
We are able to apply 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 Aon Health Combined Professional Indemnity, Public & Products Liability Policy 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 advocate we are always on hand to help with any questions. Please do not hesitate to call us on 1800 805 191 during business hours or email [email protected]
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 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 or [email protected]
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.
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 Medical Malpractices and Broadform Liability policy.*
The news you need to know
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 timeline 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.