Did you know you can update your policy details and download policy documents with the click of a button in PolicyHub? see what else you can do in PolicyHub |
As a health professional, you need to know that your insurance policy is always in fit form. Which is why we’ve made sure our policies are informed by health professionals to suit the unique needs of your profession.
You can keep thriving knowing you’re protected by an insurance company with your best interests as a health professional at heart.
Cover that protects you for what you do everyday.
Protects your business property, people and interruptions.
Professional indemnity insurance covers you for your civil liability when a claim arises from a breach of your professional duty. 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 (Speech Pathology 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
01/03/2025
01/04/2025
01/04/2025



Social media is a continually growing and changing online tool. How and when it should be used professionally isn’t straightforward, especially for health professionals.
It’s been recognised that many speech pathologists are using social media to seek clinical advice and support. While there are obvious benefits to doing this, as it allows you to access professional support from a wide range of people, this also carries risks which need to be carefully considered and managed.
Specific individual client advice
It’s not appropriate to use social media to seek advice or recommendations for a specific individual client. This is because the level of detail which would need to be provided about that client to obtain individualised advice is too great and should never be shared on social media, even if de-identified. All health professionals need to remember that social media is never private, even if ‘private’ professional chat groups are created. It’s too easy for information to be shared further or used in a way not intended. It’s also possible that a client could be identified by the information shared. A speech pathologist may be keen to seek advice from colleagues, in which case it’s appropriate to identify those with particular expertise in the field and contact them individually, rather than ask for specific advice on social media.
Asking clients for consent to share their personal information in order to ask questions about their care on social media is not an appropriate way to support decision making about future intervention. Although a speech pathologist may think about asking for consent to share information, social media is not an appropriate place to have individualised case discussions. Posting detailed health related information also poses numerous risks to a speech pathologist’s responsibilities under the Australian Privacy Principles. These include requirements to protect information from misuse or unauthorised access, and to dispose of personal information that is no longer needed. These requirements may be difficult or impossible to manage once personal information is shared on social media.
General advice
It’s acceptable to use social media to obtain general advice about a client group, such as if looking for tips when using telehealth for clients with autism. However, in these cases, the advice being sought must be broad, general, and applicable to various situations and clients. As soon as individual client characteristics are raised or discussed, this conversation can’t continue online.
Speech pathologists who are considering providing advice via social media should be mindful that advice should only be general in nature, e.g. useful resource or relevant journal article. Responses and advice provided via social media interactions carry a degree of risk as it’s unlikely all client details/circumstances will be shared as if you were in a more formal supervisory arrangement. When speech pathologists need professional support related to a client, social media can be a helpful place to “cast a wide net” and find someone with experience in the practice area. The following discussion about the individual client can then be held offline. When using social media to find supervision, mentoring, or peer support, speech pathologists should be careful to only share general information online. They should also verify the experience of the person offering that support, create an agreement that addresses client privacy and terms of the partnership, and document support sessions.
Case Study
Alex has recently started seeing a client who requires intervention in an area where she has little or no experience. She would like to extend her skills in this area of practice but has identified that she needs support and education to make decisions about how to manage this client.
Alex considers all her options and decides to:
Alex thinks about asking which interventions should be used with this client on social media, but decides not to because:
Additional considerations…
In summary, social media does have a place for seeking out or sharing professional clinical information of a general nature. However, whether asking for or providing advice, all clinicians need to carefully consider the circumstances of online interactions and be sure appropriate professional standards are being maintained.
Guild Insurance Limited ABN 55 004 538 863, AFS Licence No. 233 791. This article contains information of a general nature only, and is not intended to constitute the provision of legal advice. Guild Insurance supports your Association through the payment of referral fees for certain products or services you take out with them.
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.
Write a review Average rating: