A client complains to a regulator about your record-keeping and consent process. The regulator opens an investigation and requests a written response and an interview. You engage a lawyer to prepare your response, attend meetings and handle the documentation.

Investigation costs can help pay reasonable legal fees if a regulatory body investigates your practice in relation to healthcare services.

You sell a resistance band to a client for home rehabilitation. It snaps during use, causing a fall and shoulder injury. They say the band was defective, hold your practice responsible for supplying it and seek medical costs, lost income and damages.

Product liability is designed to help if a product you sell or supply causes injury or property damage. It is designed to cover legal defence costs any settlement or compensation payment.

After a session, a client says your advice made their condition worse. They need extra treatment and time off work. They claim you did not meet professional standards and seek compensation for treatment costs and lost earnings.

Professional indemnity is designed to help if a client claims your treatment or advice caused financial harm. It is designed to cover legal defence costs any settlement or compensation payments.

A client arrives for an appointment. The foyer has been mopped but there is no warning sign. They slip, fracture a wrist and smash their phone. They claim your clinic did not keep the premises safe and ask for medical bills and lost income.

Public liability is designed to help if someone is injured or property is damaged because of your business operations. It is designed to cover legal costs any settlement or compensation payments.

Claims, complaints, or circumstances you knew or ought to have known about and should have disclosed before purchasing insurance. This includes ongoing disputes, threatened claims, or situations likely to result in a claim.

Insurance is designed to protect against unknown future risks, not existing problems. Prior circumstances must be disclosed when applying for cover.

Accidents involving vehicles requiring compulsory third party insurance, property damage from vehicle use, or injuries during transport, except where specifically included for emergency patient transportation when providing direct care.

Vehicle-related incidents are covered by separate motor vehicle policies and CTP insurance. Mixing these with professional indemnity would duplicate coverage and complicate the claims resolution process.

Claims arising from hiring, firing, discrimination, harassment, wrongful termination, or unfair treatment of employees. This includes workplace relations disputes, wage claimsand unfair dismissal allegations.

Employment matters are separate business risks, not professional service failures. They're intended for management liability or employment practices liability policies, not allied health professional indemnity.

Any actual or alleged dishonest, fraudulent, or criminal conduct by you as the insured practitioner, business owner, principal or director, including deliberately reckless behaviour, wilful breach of professional standards, or intentional harm to clients or third parties.

Insurance doesn't cover intentional wrongdoing by you as the policyholder. This is uninsurable as a matter of public policy. Note: Some policies include employee fidelity coverage for dishonest acts by your staff – this is a separate provision. Check your policy wording for details.