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Professional Indemnity Insurance

AAPi’s preferred insurance partner for over a decade, insurance.com.au has a Civil Liability offering (including Professional Indemnity and Public and Products Liability) with benefits exclusive to AAPi members including: 

  • Discounted rates for AAPi Members on the Healthcare Professionals Civil Liability cover (up to 15%).
  • Lower rates for members earning less than $40,000 per annum.
  • Complimentary insurance for students, registrars, and provisional psychologists.
  • $0 Excess applicable to claims relating to covered events under your policy except for Employee Fidelity, Tenants Liability and Direct Financial Loss Investigate Costs PolicyHolder* This means that if you are required to make a claim under your policy, you will not need to pay any additional money; including defense costs. For full terms and conditions, please refer to the Policy Wording and Schedule.
  • Online training coverage, including psychoeducation, group therapy and coaching psychology. The policy includes coverage for tutoring, mentoring, and training of students, provisional psychologists, and other health professionals.
  • It also covers psychoeducation, group therapy, and coaching psychology, as long as these services are provided by a qualified Psychologist in line with industry registration standards and professional guidelines.
  • Remote and online consultation coverage (excluding USA and Canada). Must reside in Australia, and the governing law is Australia.
  • Limits of up to $20m Professional Indemnity and $20m Public and Products Liability.        
  • Unlimited retroactive cover. With unlimited retroactive cover, you’re protected against any claims that arise from activities that occurred before you purchased your policy with insurance.com.au. No matter when the act, error, or omission occurred as long as the activity is covered under your policy and is an unknown claim or circumstance, you will be covered by the insurance.com.au Healthcare Professional Civil Liability policy.
  • Complimentary legal advice. Receive one (1) hour of free advice to help you avoid potential financial losses from legal costs related to your policy.

 

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insurance.com.au also has a Cyber endorsement inclusive of; 

First Party Hacker Damage:

  • Coverage includes reasonable costs and expenses incurred to repair or replace parts of your website or computer system damaged, destroyed, or altered by a hacker. This helps ensure that your digital assets are quickly restored to their pre-incident state. 

Third Party Cyber Liability: 

  • Multimedia Liability: Covers you for claims arising from unintentional intellectual property infringements, defamatory statements, or breaches of confidence related to your website or email communications. 
  • Computer Virus Transmission: Indemnifies you against claims resulting from negligent transmission of viruses, worms, or other harmful software that you might unknowingly spread through your digital interactions. 
  • Privacy: Provides coverage if you're accused of unauthorized collection or misuse of confidential data concerning your clients or potential clients. 

Coverage under the Cyber Liability endorsement is limited to $25,000 anyone claims and in the aggregate inclusive of defense costs. 

 

Download complimentary AAPi student, registrar and provisional psychologist member application from.

 

AAPi Members are backed by a dedicated Customer Support team contactable on 1300 468 730 or email at [email protected].