Insurance FAQ’S

Public Liability insurance is not legally required for tilers in Australia, but it is commonly expected. Many clients, builders and principal contractors require evidence of cover before work starts. Public Liability insurance is designed to cover your legal liability if a third party is injured or their property is damaged as a result of their business activities, subject to the policy terms, limits and exclusions.

The insurance therapy businesses 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.

Professional Indemnity insurance is designed to cover claims arising from professional negligence, errors or omissions in the services you provide. mental health practitioners registered with AHPRA are generally required to hold Professional Indemnity insurance as a condition of their registration. Even practitioners who are not AHPRA-registered may find that their professional association or employer requires current Professional Indemnity cover. Without appropriate cover, you may be unable to practise and 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.