Healthcare Professionals Civil Liability (PI & PL)

What is Healthcare Professionals Civil Liability?

ProRisk’s Healthcare Professionals Civil Liability Insurance Policy is specifically designed to meet the needs of the broad range of healthcare
professionals and their staff, who may not be entitled to cover from the five (5) five national medical indemnity insurers for doctors.

What does Healthcare Professionals Civil Liability Insurance cover?

Preferred risks

  • Revenue of under $10m
  • Less than 500 employees
  • AHPRA regulated healthcare professionals,
    such as Chinese medicine, nurses, occupational
    therapists, optometrists, osteopaths, pharmacies,
    physiotherapists, podiatrists and psychologists
  • Non-AHPRA Regulated Healthcare Professionals,
    such as acupuncturists, audiologists, counsellors,
    dieticians, life coaches, masseurs, naturopaths,
    nutritionists, occupational therapists personal
    trainers and yoga instructors
  • Beauty therapists, such as aromatherapists,
    hairdressers, nail and beauty salons, laser clinics,
    spas and saunas
  • Medical establishments, such as GP clinics, health
    clinics, community clinics and specialists
  • Educational institutions and research organisations,
    such as schools, universities, technical colleges,
    day care centres and youth camps

Risks usually declined

  • ‘Medical practitioner’ as defined by the Medical
    Indemnity (Prudential Supervision and Products
    Standards) Act 2003
  • Cosmetic Surgery
  • Radiologists
  • Dermatologists
  • First response (paramedics)
  • Chiropractors
  • Gymnasium owners or operators
  • Aged care and permanent stay facilities
  • Skin Cancer clinics
  • Marijuana related occupations
  • Any risks associated with animal testing
  • Manufacture, production or importers of
    pharmaceutical and/or implantable medical
    device products

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