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You take the aches and pains out of everyday life. We take the pain out of insurance by tailoring our policies to better protect your reputation and livelihood.
We’re hands-on to make sure our osteopath insurance policies financially protect what matters most to you.
Protects you for what you do as an Osteopath.
Protects your osteopath centres for building, contents and more.
Professional indemnity insurance covers you for your civil liability when a claim arises from a breach of your professional duty. For many professional policies at Guild Insurance combine professional indemnity, public liability, and product liability to cover more of your professional duties. Business insurance, on the other hand, is a broader category that encompasses various types of coverage designed to protect businesses from a wide range of risks. This can include property damage, theft, and liability claims from third parties.
For professionals providing advice or services:
For business owners protecting their operations:
If you are unsure of the cover you require, please contact us on 1800 810 213 to speak to an insurance specialist.
Unlike many of our competitors, we are a 100% owned direct insurer. Which means not only do we work with your association (Osteopathy Australia) with developing your policy, we work with them while administering it.
We partner with:
We don’t answer to an international head office, and your policy is secured right here in Australia. All decisions are made at Guild, by someone who has a relationship with industry experts and associations.
Endorsed by 10 out of 15
Ahpra regulated professions
24/7 Claim Support
Members have access to solicitors at Meridian Lawyers with over 100 years cumulative experience
01/02/2025
Super straight forward, and really informative for when I needed some guidance when first starting out as a health professional! :)
01/01/2025
Was a great experience. I had a few questions when applying so called and was talked through the process very easily. Thank you!
01/08/2025
Guild is our professional association recommended insurer. They meet my needs for insurance and offer lots of helpful insight into risk management
While there are laws for advertising any business in Australia, the Australian Health Practitioner Regulation Agency (Ahpra) has specific requirements for anyone advertising a regulated health service. These requirements apply equally to all types of health professionals regulated by Ahpra.
Clinical record keeping is unfortunately one of those dreaded risk management topics. Guild Insurance understands that it isn’t the most interesting topic for health practitioners to spend time thinking and talking about.
The law governs that any professional exercise the required skill to an appropriate level expected by that profession. A professional may be liable for financial loss, injury or damage arising from an act, error or omission of fault if the professional has not acted to the required level of skill deemed in that profession. Failure through this may result in the claimant (person who suffered the loss) be awarded for that loss, damage or injury.
Many professions require you to hold a professional indemnity insurance policy by law, such as Ahpra registered professions, but can be for other industries such as financial institutions also. Please check with your registration body or associations of your profession to know if it is required by law to have professional indemnity insurance. It is often also required by companies who take on contract workers that are not governed under the companies own insurance policy. It is acceptable for a company to ask you as the professional contractor to provide evidence of cover for professional indemnity before starting the contract period.
As stated above professional indemnity insurance covers you for breaches in relation to your professional duty. Liability insurance covers you for activity that results in personal injury or property damage as a result of your business activities that do not relate to your specific profession. An example may be someone who trips and is injured from spilled water within your office may be covered under liability, because it is your duty of care as business person to provide a safe environment. Whereas a person who suffers a loss or injury because of your professional treatment in relation to your job has caused it would usually be consider as an indemnity breach.
Generally business insurance is to cover the physical assets of your business for material damage loss and options for theft cover. It can also include cover for financial loss due to business interruption. Usually basic insurance does not cover breach of duty or flood cover, but if you speak to an insurance specialist it can often be added to your policy for a nominal fee.
Depending on the policy you are taking out, covers will often vary. At Guild insurance we specialise in making a policy to suit your business so that you are not over paying for covers you wouldn't normally need. The best thing to do is call 1800 810 213 to speak to an insurance specialist, they can find out what activities and structure your business is in to then provide you with adequate cover for you.
A certificate of currency (or COC for short) is a written document that confirms that your insurance policy is current and valid at a specific date and time. At Guild we provide easy access to your COC at any time within a few clicks of our online portal PolicyHub. If you are a new customer we can provide you with one post purchase.
