Save up to 10%*2,3

on your first year's premium when you buy a new Business Insurance Pack policy online.

What is insurance for Health Professionals?

Please note the below is not a Medical Indemnity Insurance.

As a health professional your work revolves around the treatment and wellbeing of your patients. It takes dedication and care to build a successful practice, so it’s important to help protect your hard work with Business insurance.

Health practitioners face risks as diverse as damage to expensive medical equipment or patients being injured while visiting your practice premises. From doctors to nurses to chiropractors, no matter your medical field it’s wise to make sure your business and its assets are covered if something goes wrong*.

Understanding and finding the right insurance for your Health profession can be confusing. Read on to learn how Allianz insurance covers could help protect your business.

Note: This cover is not a Medical Indemnity insurance cover pursuant to the Medical Indemnity (Prudential Supervision and Product Standards) Act 2003 (Cth). Please see the Product Disclosure Statement for a full list of what is and isn’t included in Allianz’s Business Insurance Pack before making a decision.

Fast, Simple and Convenient

Instant Certificate of Currency

Your proof of insurance, Certificate of Currency (COC), will be emailed instantly after purchase.

Pay by the Month at no extra charge*1

Pay monthly or annually at no extra charge to suit you and your cash flow.

Specialist Business Experts

Our experts can give general advice and help to arrange your business insurance. Call 1300 131 000 to talk to a business specialist.

Excellence in Claims

We're here when you need to make a claim.

You can submit a claim online 24/7 or call 13 10 13 to commence the claims process.

Allianz was awarded the 2019 Mansfield Gold award for Overall Excellence in Claims.

Health Professionals Insurance Covers:

Public Liability Insurance

Allianz Public Liability Insurance, also known as Public and Products Liability Insurance, covers you if a member of the public is injured, or their property damaged, at your business premises or while using your products or services. It covers compensation you are legally liable to pay plus your reasonable legal fees.

What if a patient slips walking into the practice premise, or a supplier injured themselves while making a delivery? Accidents like this can lead to expensive legal claims.

Public Liability Insurance is automatically included in a Business Insurance Pack policy when you quote online. For help with your quote, or to get a Business Insurance Pack quote without Public Liability cover, please contact our specialist small business team on 1300 131 000.

Note: This cover is not a Medical Indemnity insurance cover pursuant to the Medical Indemnity (Prudential Supervision and Product Standards) Act 2003 (Cth). Please see Product Disclosure Statement (PDS) for a full list of what is and isn’t included before making a decision.

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Commercial Property Insurance

Commercial Property insurance covers you for accidental damage to your property insured, such as your practice fit out, contents, and medical supplies in case of unexpected insured events such as storms and fires. Commercial Property cover can help you repair or rebuild your business if something goes wrong.

Your work area contains not only your furniture and fittings, but may also contain treatment equipment and medical supplies. These assets are often specialised, and expensive to replace.

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Commercial Vehicle Insurance4

Your vehicle can be one of the more expensive things you use in your business, so it’s important to protect it.

Allianz Comprehensive Commercial Vehicle Insurance can protect your vehicle in the event of accidental damage or theft, and cover your legal liability for damage to third party property caused by your vehicle.

Choose from 3 types of cover: Comprehensive, Fire and Theft or Third Party Property Damage only.

Helpful Tip: Do you use your personal vehicle for business use? Your personal car insurance may not cover you for damage to other cars or your own vehicle that occurs when used in connection for business. Check your personal car policy to see if you are covered.

Call Allianz to cover up to 20 vehicles on 1300 131 000, or buy online and add up to 2 vehicles, when you buy your Public and Products Liability insurance with a Business Insurance Pack.

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Get your cover in one place with our Business Insurance Pack

Our packs start with Public Liability, then you can customise your policy to suit your business.

Public Liability

Public Liability Insurance helps to protect you if you become legally liable to pay compensation for injury to third parties, or damage to their property, during the course of your work. Plus, covers your reasonable legal costs to defend a claim raised against you.

Additional Covers

Commercial Property

Cover for accidental damage to your commercial property, contents or stock, as a result of insured events such as a storm, fire or vandalism.

Business Interruption

Covers your lost income, profit or turnover if your business has to close as a result of unforeseen and defined insured events, like fire or storm.

Available when you insure Commercial Property.

General Property

Covers the cost of repairing or replacing tools of your trade or equipment in the event they are accidentally damaged at any location worldwide (unless otherwise noted).

Electronic Equipment

Cover for the repair or replacement of electronic equipment in your office, such as servers, computers and hard drives, in case of breakdown.


Covers the cost of repairing or replacing accidentally broken glass at your business premises, such as office windows, glass partitions, and skylights.

Commercial Vehicle

Comprehensive Commercial Vehicle Insurance covers accidental damage or theft of your business vehicles, and damage they may cause to third party property caused by your vehicle.

Management Liability

Choose from up to 4 covers, to protect your business against

  • Claims of wrongful acts by management (Directors & Officers Liability)
  • Employment practises breaches (Employment Practises Liability)
  • Theft by employees (Crime)
  • Fees incurred if your taxes are audited (Tax Audit)

This is a limited summary of some of our Business Insurance Pack covers only. Terms, conditions, limits and exclusions apply. For full details and before making a decision please consider the relevant Product Disclosure Statement (PDS)/Policy Wording, Supplementary PDS (where applicable) & PDS update (privacy notice) which are available on this website

Workers Compensation

If your business has employees, Workers Compensation insurance is mandatory in all Australian States and Territories. Workers Compensation insurance can cover your employees if they are involved in a workplace accident. Allianz will work to support your business through the claims management process.

Please note that Workers Compensation insurance is not available under the Business Insurance Pack and will need to be purchased as an additional policy.

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More cover options

Can’t find the cover that you need online? We have an extended range of insurance covers available through our team of specialists. We're open 8:00am - 7:30pm Monday-Friday AEST

   1300 131 000

Before you buy

Considerations for Health Professionals:

  • You may be required to hold a certain amount of Professional Indemnity insurance in order to practice as a health professional. Check the AHPRA regulatory requirements for your occupation here.

    *Note: Allianz’s insurance for health professionals is not a Medical Indemnity insurance cover pursuant to the Medical Indemnity (Prudential Supervision and Product Standards) Act 2003 (Cth)
  • If you rent your practice premises, your lease may specify the minimum amount of public liability cover you’re required to have – check before you buy.
  • Your lease or landlord may also specify a minimum amount of glass cover.

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