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Common industry risks   

Understanding the risks in your industry and how our comprehensive coverage responds to protect your business.

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The Risks

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Risks Response

Employee Dishonesty

A staff member steals money or property from a patient during healthcare services, leading to a complaint or claim against your medical practice.

Medical Malpractice can include Employee Dishonesty, helping with eligible claims from staff theft of patient or client money or property in care

Public Liability

A patient or visitor slips in your clinic, or your practice accidentally damages property that belongs to someone else, during ordinary business.

Public Liability Insurance may respond to third party injury and property damage claims arising from your business activities.

Cyber and Privacy Liability

Patient health records, billing data or appointment systems are exposed, locked or misused after a cyber attack, staff mistake or privacy breach.

Cyber and Privacy cover may help with breach advice, response costs, legal support, and restoring healthcare data after any eligible cyber event.

Regulatory Complaints

A patient complaint leads to an AHPRA complaint & investigation about your care, records or professional conduct risks.

Medical Malpractice can include Regulatory Costs, helping with eligible investigations into healthcare services, records and professional conduct.

Professional Liability

A patient claims your diagnosis, treatment or advice caused harm, injury or financial loss, and makes a compensation claim against your practice.

Professional Liability may help cover eligible claims from healthcare services, including legal defence costs, settlements and claimant expenses.

Employee Dishonesty

The Risks

A staff member steals money or property from a patient during healthcare services, leading to a complaint or claim against your medical practice.

Risks Response

Medical Malpractice can include Employee Dishonesty, helping with eligible claims from staff theft of patient or client money or property in care

Public Liability

The Risks

A patient or visitor slips in your clinic, or your practice accidentally damages property that belongs to someone else, during ordinary business.

Risks Response

Public Liability Insurance may respond to third party injury and property damage claims arising from your business activities.

Cyber and Privacy Liability

The Risks

Patient health records, billing data or appointment systems are exposed, locked or misused after a cyber attack, staff mistake or privacy breach.

Risks Response

Cyber and Privacy cover may help with breach advice, response costs, legal support, and restoring healthcare data after any eligible cyber event.

Regulatory Complaints

The Risks

A patient complaint leads to an AHPRA complaint & investigation about your care, records or professional conduct risks.

Risks Response

Medical Malpractice can include Regulatory Costs, helping with eligible investigations into healthcare services, records and professional conduct.

Professional Liability

The Risks

A patient claims your diagnosis, treatment or advice caused harm, injury or financial loss, and makes a compensation claim against your practice.

Risks Response

Professional Liability may help cover eligible claims from healthcare services, including legal defence costs, settlements and claimant expenses.

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Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Limits and sub-limits might apply. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.

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Businesses covered

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Products

Coverages for Doctors

Medical Malpractice, Professional Indemnity, and more for Doctors from leading insurers

Public & Products Liability

Covers injury & property claims from your services, products or at your business

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Professional Indemnity

Covers negligence claims from third parties to help protect your business from professional errors

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Cyber & Technology

Includes Professional Indemnity and Cyber & Technology Liability insurance for tech businesses

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Medical Malpractice

Covers claims from medical services, treatment or advice provided by doctors, midwives & other medical professionals

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Claim examples

Doctors claim examples

Simple, real-world examples to help you understand what claims may involve.

Waiting room injury
SCENARIO

A patient slips near reception after rain is tracked into the clinic, then seeks payment for medical costs and time away from work from you.

WHY IT’S COVERED

Public Liability may respond to eligible injury claims linked to everyday business activities at the clinic, outside direct healthcare services.

Records email error
SCENARIO

Private patient results are emailed to the wrong person. You need advice on what to do next, who to notify and how to respond if a complaint follows.

WHY IT’S COVERED

Cyber and Privacy may help pay eligible costs for breach advice, patient notifications and regulatory response after health data is sent to the wrong person.

Delayed referral
SCENARIO

A patient alleges a referral was not made soon enough, and that the delay affected their treatment options or recovery after their consultation.

WHY IT’S COVERED

Medical Malpractice may help with eligible claims arising from healthcare services, including alleged negligence, errors, omissions and defence costs.

Medication side effect
SCENARIO

"A patient alleges they were prescribed the wrong dose of medication and needed further treatment after a serious reaction. Medical Malpractice may help respond to eligible claims alleging errors in diagnosis, treatment, advice or care."

WHY IT’S COVERED

Medical Malpractice may respond to eligible claims alleging negligence, errors or omissions in healthcare services, including defence costs.

SCEANRIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

WHY IT'S COVERED

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

Waiting room injury

SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

WHY IT’S COVERED

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

IS THIS COVERED?

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

SCEANRIO

A patient slips near reception after rain is tracked into the clinic, then seeks payment for medical costs and time away from work from you.

IS THIS COVERED?

Public Liability may respond to eligible injury claims linked to everyday business activities at the clinic, outside direct healthcare services.

Waiting room injury
SCEANRIO

Private patient results are emailed to the wrong person. You need advice on what to do next, who to notify and how to respond if a complaint follows.

IS THIS COVERED?

Cyber and Privacy may help pay eligible costs for breach advice, patient notifications and regulatory response after health data is sent to the wrong person.

Records email error
SCEANRIO

A patient alleges a referral was not made soon enough, and that the delay affected their treatment options or recovery after their consultation.

IS THIS COVERED?

Medical Malpractice may help with eligible claims arising from healthcare services, including alleged negligence, errors, omissions and defence costs.

Delayed referral
SCEANRIO

"A patient alleges they were prescribed the wrong dose of medication and needed further treatment after a serious reaction. Medical Malpractice may help respond to eligible claims alleging errors in diagnosis, treatment, advice or care."

IS THIS COVERED?

Medical Malpractice may respond to eligible claims alleging negligence, errors or omissions in healthcare services, including defence costs.

Medication side effect
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Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Limits and sub-limits might apply. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.

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FAQs

Doctors insurance queries

How do I make a claim?

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You should notify your insurer as soon as you become aware of a claim or circumstance that may give rise to a claim which could include a client complaint, you discovering an incident or an allegation of harm. Claims should be made in writing and handled in line with the claims notification requirements which will be outlined in your policy wording.
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How do I make a claim?

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What is a retroactive date?

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A retroactive date is the earliest date from which a claim can arise and still be covered under your policy. Professional Indemnity and certain other claims-made policies will only respond to claims arising from acts, errors or omissions that occurred on or after the retroactive date listed in your policy schedule. If an incident occurred before your retroactive date, it typically will not be covered even if the claim is made during the current policy period. Maintaining continuous cover without gaps helps protect your retroactive date — check your policy schedule or ask your broker if you are unsure of your retroactive date.
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What is a retroactive date?

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What is a Certificate of Currency?

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A Certificate of Currency is issued by an insurance company and is something you can use as proof that your existing insurance policy is valid. It contains all the information regarding your policy. You may be asked from time to time to prove your insurance - for loans to your business, for landlords of your premises, or for certain clients you might have. The moment you purchase your insurance from upcover you can send your proof of insurance to whoever requires it, at just a click of a button.
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What is a Certificate of Currency?

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How quickly do I need to report an incident to my insurer?

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You should notify your insurer as soon as you become aware of any incident, claim, or circumstance that may give rise to a claim. Professional Indemnity insurance typically operates on a "claims made and notified" basis, meaning both the claim must be made against you AND you must notify the insurer during the active insurance period (or discovery period if applicable). Late notification after policy expiry may not be covered unless you have purchased an extended discovery period. Prompt notification is essential to protect your rights under your insurance.
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How quickly do I need to report an incident to my insurer?

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