Save up to 15%*2,3

when you buy a new Small Business Advantage Pack policy online.

What is insurance for Health Professionals?

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 make sure your hard work is protected with the proper insurance.

Health practitioners face risks as diverse as injury to patients, to damage to expensive medical equipment. From doctors to nurses to chiropractors, no matter your medical field it’s wise to make sure you’re covered in case something goes wrong*.

Understanding and finding the right insurance for your Health profession can be confusing, let us help. Read on to learn how Allianz insurance covers can 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 Product Disclosure Statement for a full list of what is and isn’t included before making a decision.


Fast, Simple and Convenient

Instant Insurance Certificate

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

Pay by the Month - no extra charge*1

Enjoy paying monthly and at no extra cost.

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.

Claims - we have your back

When misfortune strikes, Allianz is there for you. Lodge a claim by phone 24/7.

Health Professionals Insurance Covers:

Public Liability Insurance

Public Liability Insurance, also known as Public and Products Liability Insurance, helps to protect you if you become liable to pay compensation for injury to third parties, or damage to their property, during the course of your work.

What would happen if an elderly patient fell off a treatment table and injured themselves? Or a supplier injured themselves while making a delivery? When accidents like this occur they can lead to expensive legal claims.

Public Liability Insurance may also cover reasonable legal costs you incur in defending a claim against you. Cover may also be provided for reasonable legal costs you incur in defending a claim against you.

Public Liability is a compulsory cover that must be included in a Small Business Advantage Pack policy.

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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Material Damage Insurance

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

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

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Commercial Motor Insurance4

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


Comprehensive Commercial Motor 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.

You can choose from a range of cover levels including 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 Small Business Advantage Pack.

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Get your cover in one place with our Small Business Advantage Pack

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

Public Liability

In the event of a claim, this cover can 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.

Additional Cover Options

Commercial Vehicle

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

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.

Material Damage

Cover for accidental damage to property insured, such as office furniture and reference materials, from unexpected events like a storm, fire or vandalism.

General Property

Covers accidental damage to property insured used by you or your employees.

Business Interruption

Covers your lost income, profits or turnover if your office has to close as a result of unforeseen defined events, like fire or storm.

Glass

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

Management Liability

Covers you or your directors, officers or employees in the event of claims being made by third parties for alleged wrongful acts. 4 separate types of cover to choose from:

  • Directors and Officers Liability
  • Employment Practices Liability
  • Crime
  • Tax Audit

This is a limited summary of some of our Small Business Advantage 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 may be mandatory depending on the state/s you operate in. 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 Small Business Advantage Pack and will need to be purchased as an additional policy.


Learn more

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 9:00am - 5:00pm Monday-Friday ADST


   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: This cover is not a Medical Indemnity insurance cover pursuant to the Medical Indemnity (Prudential Supervision and Product Standards) Act 2003 (Cth)
  • If you rent your 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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