Medical Indemnity Insurance Broker

GPs in private practice must hold medical indemnity meeting AHPRA's $20 million minimum liability requirement. Cover includes AHPRA notifications, patient complaints, Medicare audit support, and coronial inquest representation.

Surgical specialties carry the highest medical indemnity premium levels due to the increased risk of adverse outcomes. General surgeons, orthopaedic surgeons, plastic and reconstructive surgeons, and vascular surgeons all require specialist cover structured around their procedure profile and annual billings.

Anaesthetists in private practice require specific medical indemnity cover for the unique risks of anaesthetic administration — including adverse reactions, awareness during procedures, and post-operative complications. Cover is structured around the types of procedures performed and the clinical setting.

Obstetrics carries among the highest long-tail liability exposure of any medical specialty — birth-related claims can arise years or decades after the event. Medical indemnity for obstetricians requires robust run-off cover provisions and coverage that accounts for the extended claims tail specific to obstetric practice.

Emergency physicians in private emergency departments and urgent care centres require cover structured around the high-volume, high-acuity environment of emergency medicine — including triage decisions, diagnostic errors under time pressure, and adverse outcomes in critical presentations.

Medical physicians across all specialties — cardiology, gastroenterology, neurology, oncology, respiratory, rheumatology, and endocrinology — require medical indemnity structured around their specific scope of practice, procedural risks, and annual billings in private practice.

Psychiatrists in private practice face specific risks around patient self-harm and suicide, confidentiality breaches, and duty of care obligations that differ from other medical specialties. Medical indemnity for psychiatrists is structured to address these unique exposures alongside standard clinical liability.

Paediatricians working in private practice and radiologists providing diagnostic imaging services both require medical indemnity structured around their specific clinical risks — paediatric adverse outcomes and missed diagnoses respectively. Pathologists and ophthalmologists are also covered under our healthcare panel.

AHPRA registration requires all physiotherapists and occupational therapists to hold professional indemnity insurance as a condition of practice. Cover includes treatment injury claims, patient complaint defence, and AHPRA notification costs.

Psychologists registered with AHPRA must hold mandatory professional indemnity cover. Social workers in clinical practice also require cover for the specific liability risks of mental health treatment, duty of care obligations, and confidentiality requirements in therapeutic practice.

Both chiropractors and osteopaths are AHPRA-registered professions with mandatory professional indemnity requirements. Cover is structured around the specific risks of manual therapy — including adverse neurological events, stroke following cervical manipulation, and patient injury claims.

Nurses and midwives working in private practice, as independent contractors, or in roles outside their employer's indemnity arrangement require their own professional indemnity cover. Nurse practitioners with extended prescribing and clinical decision-making authority particularly need cover that reflects their expanded scope of practice.

Dentists and dental specialists — orthodontists, oral surgeons, endodontists, periodontists — require professional indemnity structured around the specific risks of dental practice including treatment errors, nerve damage, failed procedures, and patient complaint management.

Both podiatrists and optometrists are AHPRA-registered professions with mandatory professional indemnity requirements. Cover includes clinical treatment errors, equipment liability for diagnostic tools, and patient complaint defence for both community-based and hospital-based practitioners.

Pharmacists require professional indemnity covering dispensing errors, medication counselling liability, compounding risks, and the professional responsibilities arising from an expanded scope of practice including vaccinations, medication reviews, and prescribing under collaborative arrangements.

Paramedics became an AHPRA-registered profession in 2018 and now require mandatory professional indemnity cover for private practice and non-employment roles. Other allied health practitioners including dietitians, speech pathologists, and radiographers also require cover for their specific clinical risks.