Practice Medical Indemnity Insurance

Why may a Medical or Dental practice need Practice Indemnity Insurance?

Your medical or dental practice “business legal entity” may need its own medical or dental entity malpractice insurance cover in addition to your “Individual” medical or dental malpractice insurance.

Medical and dental practices have separate exposures that may not be covered by your individual practitioner insurance. Without the correct indemnity insurance in place for your practice, you may have a gap in cover. What if a malpractice claim is brought against your business legal entity ? Will you have insurance cover that will respond ?

You should consider practice indemnity insurance if:

  • your staff are involved in the care of your patients or work on patient files
  • a patient sees multiple practitioners
  • you have contractor or locum practitioners within your practice that may not be able to be located when a claim is made against the practice
  • there are divided responsibilities and obligations for patient care, and
  • several other situations

Protecting your practice and your practitioners 





Without a practice policy

A claim made against the practice would be shared across each practitioner’s individual policy or not be covered leaving you and your colleagues personally exposed.

With a practice policy

Your personal claims record is protected from actions of your partners, employees, contractors or locums – ensuring your practitioner indemnity insurance is protected.

What can be covered?

  • civil liability cover for acts, errors and omissions of employees, and for the indirect responsibility of the practice for acts, errors or omissions of medical practitioners and other healthcare professionals.
  • cover for your business so staff members’ actions do not impact upon your individual practitioner indemnity insurance policy.
  • cover for principals, partners, directors, officers, employees, volunteers and students of the practice in their capacity as employees of the practice, and cover for the spouses and estates of those people in so far as they are brought into the claim.
  • employee disputes cover; for employee contract disputes, including complaints under anti-discrimination or equal opportunity legislation for non-medical practitioners.
  • cover for the fees and costs of a public relations consultant to assist in creating a response where necessary.
  • statutory liability cover for defence costs in relation to breach of occupational health and safety law or environmental law.
  • optional public liability insurance; covers claims for personal injury or damage to someone else’s property.

General insurance services are provided by Experien General Insurance Services Pty Ltd ABN 77 151 269 279 AFS Licence No. 430190 (EGIS) trading as Experien Insurance Services.

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General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness. Consider our disclosure documents, which include our FSG and Product Disclosure Statements (PDS) for some products.
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