Other Professions

If your profession isn't listed here, feel free to give us a call on 1800 210 213 and we'll be happy to help you.

Training professional indemnity and public liability insurance

What you can be covered for as a working professional

General indemnity and liability insurance

If you're forced to defend your professional reputation, you'll want the best support behind you.
Our policies include three types of insurance in one designed specifically for working professionals combining: professional indemnity insurance, public liability insurance, and product liability insurance.

Professional indemnity

Professional indemnity insurance covers claims against you for errors, omissions or negligence in your work. If your advice or service leads to a client’s loss or injury, this cover can help pay legal costs and compensation.

Public liability

Insurance that covers you if someone is injured or their property is damaged because of your business activities, whether it happens at your premises or somewhere else, like a park or a client’s home.

Product liability

Insurance that covers you if a product you sell or supply causes injury or property damage. This includes things like a client getting sick or injured from items such as foam rollers, orthopaedic pillows or massage tools.

 

Extra benefits of this insurance policy

 

  • Nil Excess Icon Of Dollar Sign Crossed OutNil basic excess on liability claims
  • Two Palm TreesRun-off cover which protects you when you’ve ceased practising permanently
  • Law IconCover for legal costs and expenses associated with complaints to your registration body, disciplinary proceedings or a coronial inquiry
  • Cooling Off IconProvides a 21-day cooling-off period, allowing you to change your mind after purchasing coverage
  • Cooling Off IconOngoing education through our RiskHQ, providing you with relevant and informative information on the risks that matter to you
  • 24/7 Support IconRound-the-clock support with 24 / 7 claim support line availability

To find out more or to get your hands on our policy wording, simply call us on 1800 810 213.

FAQs

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.

Partnership with leading industry associations

Guild is the principal partner of many leading industry associations and has been for years.

We work closely with your association to tailor an insurance policy suited to your unique needs.

Insurance for students studying

As a student, we understand you’ve got enough to worry about between completing your studies, getting enough practice hours in and preparing yourself for working with clients. The last thing on your mind is insurance cover. But one small accident could set you back for life.

To find out whether your studies are covered by insurance, click here.

Chiropractic Student

Not just an insurance policy
Risk articles with RiskHQ


You can visit RiskHQ at any time to read up about the unique risks you face as a working professional. We cover a variety of risk management topics, from managing complaints, to social media risks, maintaining your business, and much more.

Insurance for your Businesses

If you run a clinic and need insurance for your premises, equipment, and more, visit our information on business insurance.

Business Insurance

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*Coverage up to $20 million requires your selection of cover up to this limit during the quote and purchase process.