Who needs Allied Health insurance?

If you provide healthcare services, treatment or advice to clients, you likely need Allied Health insurance. This includes professions like physiotherapy, psychology, chiropractic, occupational therapy, podiatry, dietetics and many more. Whether you're a sole practitioner, run a clinic or are a student on placement, cover is available to suit your situation. In many cases, insurance is a requirement of your AHPRA registration or professional association membership.

What insurance do yoga teachers typically have?

The insurance yoga teachers commonly hold depends on how they operate and the services they provide. This typically includes Professional Indemnity insurance, which is designed to respond to claims of professional negligence or breach of duty, and Public and Products Liability insurance, which is designed respond to third party bodily injury or property damage claims arising from business activities. Both covers may extend to investigation costs, and depending on the policy, defamation. Additional covers such as Commercial Property, Business Interruption and Employee Fidelity may also be relevant depending on business structure and services offered.

Do yoga teachers need Professional Indemnity insurance?

Professional Indemnity insurance is designed to cover claims arising from professional negligence, errors or omissions in the services you provide. While it is not a legal requirement for yoga teachers in Australia, it is commonly held by yoga teachers across Australia. Many clients, professional associations and booking platforms may expect you to hold current Professional Indemnity cover before engaging your services. Without this type of cover, you could be personally liable for legal costs and compensation claims. Speaking with an insurance broker can help you understand the level of cover appropriate for your circumstances.

FAQs - All Your Insurance Related Questions Answered

Recently asked

Am I covered if a client claims I gave them bad advice about hair or skin care?

Yes, Professional Indemnity coverage may respond to claims arising from advice you provide as part of your beauty services. This includes recommendations about hair treatments, skincare routines, or product usage. The policy may cover legal costs any settlement or compensation if a client claims they suffered loss due to your professional advice.

Am I covered for mistakes in my professional services?

Yes, Professional Indemnity coverage is designed to respond to claims that your services or advice caused financial or economic harm to a client. This may include claims related to unsatisfactory results, errors in service delivery, or advice given to clients. Public Liability coverage may respond to claims of bodily injury during treatments. Coverage includes legal defence costs and any compensation you may be liable to pay.

Does this cover burns or injuries caused during treatments?

Yes, Public Liability coverage may respond to claims for injuries sustained during beauty treatments. This includes burns from styling tools, cuts from scissors or razors, injuries during waxing, or other treatment-related accidents. The insurer may cover compensation payments and legal defence costs, subject to policy terms.

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The information contained on this website is general advice only and has been prepared without taking into account your individual needs, objectives and financial situation. It should not be relied upon as advice. All insurance products are subject to the terms, conditions, limits and exclusions contained in the relevant policy wording and Product Disclosure Statement. Before deciding whether a particular insurance product is right for you, please consider your personal circumstances and read the relevant Product Disclosure Statement, Target Market Determination, Policy Wording, and Financial Services Guide.

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Recently asked

Am I covered if a client claims I gave them bad advice about hair or skin care?

Am I covered for mistakes in my professional services?

Does this cover burns or injuries caused during treatments?

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