SPECIALIST COVER FOR AUSTRALIAN HEALTHCARE
Medical Malpractice Insurance
Professional Indemnity & Practice Cover for Doctors, Allied Health and Day Surgeries
Patient outcomes are unpredictable. Claims of negligent diagnosis, treatment, or advice can land long after the consult. Medical malpractice insurance — built around your specialty, your patient mix, and your practice structure — protects your livelihood and your business.
Trusted by 1000+ Clients
THE PROBLEM
One Claim Can End a Healthcare Career
Medical malpractice claims in Australia frequently exceed $500K in legal costs alone — and they take years to resolve. Generic professional indemnity isn't built for clinical practice.
We listen first
Belinda · Senior Insurance Advisor
Long-Tail Claims Risk
Patients can bring claims years after the original consultation. Without a claims-made policy structured for healthcare, you're exposed to historical work even after retirement.
Defence Costs Bleed You
Even baseless claims rack up $50K-$200K in legal defence before settlement or dismissal. Generic policies cap defence costs inside the limit, leaving nothing for the actual award.
Practice Liability Gaps
Your professional indemnity covers your advice. It doesn't cover slip-and-falls in your waiting room, employee claims, or cyber breaches of patient records. Each needs its own policy.
Australian healthcare practitioners need a layered insurance program — not a single cheap PI policy.
WHAT'S COVERED
A Layered Healthcare Insurance Program
Combining medical malpractice with the supporting covers your practice actually needs.
Medical Malpractice / Professional Indemnity
Claims-made cover for alleged negligence in clinical treatment, advice, diagnosis and procedure — with run-off cover available on retirement.
- Clinical negligence claims
- Defence costs in addition to limit (where available)
- Run-off / retirement cover
Public Liability
Third-party injury and property damage in your clinic, rooms, day surgery or visiting practice locations.
- Patient and visitor injury
- Property damage at premises
- Up to $20M cover available
Cyber & Privacy Liability
Notifiable Data Breach response, ransomware containment, and patient-record breach defence. Increasingly required by hospitals and insurers.
- NDB Act response
- Ransomware & extortion
- Patient-record breach defence
Management Liability
Defence costs for directors, employment-practice claims (HR/staff disputes), and statutory investigations against your practice entity.
- Directors & officers cover
- Employment practices liability
- Statutory investigation defence
WHO IT'S FOR
Healthcare Practices We Insure
From sole-trader allied-health to multi-room day surgeries — we structure cover for your specific clinical exposure.
HOW IT WORKS
Get Covered in 3 Simple Steps
Securing specialist fire protection insurance requires detail, but our experienced team guides you through the necessary forms to create your tailored package.
Complete Your Profile
Fill out our detailed proposal form or get in touch via our contact page. Because fire protection is highly specialised, we need accurate details about your trade, turnover, team size, and compliance obligations to secure proper cover.
We Engage Specialist Markets
We take your comprehensive details to the select few insurers who actually underwrite fire protection risks. We leverage our industry experience to negotiate a tailored package for your business.
Secure Your Package
We present your comprehensive insurance package in plain English, ensuring you understand your cover. We also offer one monthly payment option to help manage your cash flow.
Ready to start?
FREQUENTLY ASKED
Medical Malpractice Insurance — Common Questions
Protect Your Healthcare Practice
Speak with a broker who specialises in healthcare risk — and structure a malpractice program that actually fits your clinical work.