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protects you against

What is covered under this insurance policy for nurses?

Nursing insurance under the allied health professionals insurance covers nurses (RN or EN), nurse practitioners, in-patient nurses, doulas, nursing students and is designed to include both professional indemnity, public liability and products liability.

It includes insurance limits of up to $10m professional indemnity and $20m public and products liability, plus reinstatements. This policy also includes retroactive cover for otherwise uncovered matters arising from prior practice.

The policy is suitable for nurses working remotely, providing telehealth services, or in an institution.

The policy also covers nurses working full time, part time or as a freelancer.

Public Liability

Public liability insurance protects you and your business against any liability if someone is injured on your premises or while you are providing your nursing services in Australia.

Professional Indemnity

Professional indemnity insurance protects you for claims made against your business in the course of providing your professional nursing services in Australia.

Third Party Property Damage

Products liability insurance protects you for claims made against your nursing business in Australia for any products sold or supplied by you to a third party.

Investigation Costs

Investigation costs cover legal costs and expenses in responding to an investigation from an official body on a complaint made against you or your nursing services.

Defamation

Protects you and your business against any actual or alleged defamation, or harm to the reputation of a third party online or in public in relation to the provision of your nursing services.

other benefits

Value added benefits of the nurses insurance policy

Contract Review

This entitles you to four contract reviews each year you have your nursing insurance. This can be used for any contract that might impact your insurance policy. An example of this might be retaining a contractor.

Complimentary Legal Advice

This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.

Whistleblower Hotline

You and your business employees can access a Whistleblower Hotline that is provided by our insurance partner at no additional cost to you.

events covered

Physical Injury

Your elderly patient is an old person and you take them every morning for some light exercise. Although they usually walk with an A-frame you feel confident that they can walk without one and they fall, injuring their hip requiring a hip replacement.

Trips, Slips and Falls

You’re required to attend to your patient and have a duty to assist them in their bathing and washing, and you leave them unattended leading them to fall in the shower injuring themselves.

Negligence

A diabetic patient in your care is provided the incorrect insulin by you, leading to them entering into a coma for two days.

Error of Judgement

You accidentally administer more antibiotics than prescribed to your young patient leading to health complications and their guardian holds you responsible.

Bad Professional Advice

You tell a patient and their spouse that is terminally ill that they will recover. After the patient passes away, the spouse holds you responsible for giving them incorrect advice. .

Third Party Damage

You accidentally knock a number of items off the hallway entrance while exiting a patient’s home after an at-home visit, and break an expensive ornamental vase.

cover for all situations

The nurse insurance can include cover for the following listed:

Cosmetic injectables *

Employees

Sole traders

Businesses

Australia wide

Telehealth

IV infusions*

operates alongside union umbrella insurance (need insurance in order for umbrella to respond)

bowel cleansing

Providing medication

It doesn't cover

Activities you aren't qualified/certified to perform

Midwifery

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* Please ask our team, as this can be noted to your quote or policy, please be aware that additional premium might apply when you add these activities.

exclusions

What is not covered (exclusions) under the nursing insurance policy?

Abuse

Abuse excludes cover for any insurance claim that might arise from actual or alleged verbal, physical, sexual abuse, molestation, assault, battery or violence.

Dishonest / wilful acts

Dishonest and/or wilful acts exclude cover for any insurance claim that might arise from dishonest, fraudulent or criminal acts.

Alcohol and Drugs

This excludes cover for any insurance claim that might arise from use of alcohol, illegal drugs, narcotics and intoxicants

*For all policy exclusions, please refer to the policy wording and general terms & conditions.

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faqs

You asked, We answer

Why is nursing insurance important?

As a nurse, you’re accountable for the health and safety of not one - but many other people, and administering the care of someone’s loved one. Sometimes mistakes happen and things do not go according to plan. If your patient or their family holds you responsible, it could put everything you have worked for at risk.

Professional Indemnity insurance is included in this insurance in addition to public and products liability insurance. This protects you while you’re working as a nurse and administering the best possible care that you can to your patients. It protects you against any injuries, damage or negligence that might arise from poor professional advice or breaches of duty that might arise while caring for your patients. If you're unprotected, it could be devastating to your patient, their family, and to you and your business.

I already have insurance with my union, why should I consider separate insurance?

Unfortunately, your umbrella insurance provided for free from your union may only be umbrella insurance. This means it would only provide you with cover if you had another insurance policy - an employer, or your own - that didn't respond. It acts as a additional safety net for you if your existing insurance doesn't respond, it doesn't provide you with cover if your employer will not provide you with insurance, or if you work as a business or sole trader and don't hold an insurance policy first.

Does this insurance meet the requirements of AHPRA?

Yes, this insurance has been developed by our insurance partner to be tailored specifically to cover the needs of all AHPRA health professionals that require insurance in order to register with AHPRA.

Doesn't my employer already cover me?

In most instances your employer's insurance may already cover you for your nursing or Allied Health services, however in some instances they may also required you to take out insurance. You can take out insurance as an employee with upcover's market leading insurance offering for nurses.

What can a nurse be sued for?

While we hope it doesn't happen, nurses can potentially be sued for:
‍
1. Covering medical costs (current and future) for a client that is injured
2. Loss of a client's earning capacity when the client is off work
3. Additional compensation if the damage to the client is permanent/long-lasting
4. Mental trauma, pain and suffering of the client from the injury.

What limits are available with upcover?

You can get covered today with tailored nursing insurance that provides public & products liability insurance limits available up to $20m, and professional indemnity limits available up to $10m.

Is there anything about my nursing work that isn't covered, or that I should make sure if added to my policy?

If you have the certifications and training to perform your work as a AHPRA professional, and answer yes to this question from our insurance partner, and it falls within the ordinary scope of your work it should be covered by the policy. However, if you want additional certainty, it can help to add additional occupations such as cosmetic injectables, please raise this with our customer success team.

Who is upcover?

upcover is an insurtech that works with the oldest insurance markets and global leaders in insurance innovation. All insurance products are underwritten by ProRisk. Our aim at upcover is to make it super easy for small businesses to buy insurance and be well-informed about their choices.

What occupations are covered under nursing insurance?

1. Nurse
2. Nurse RN
3. Registered nurse
4. Nurse practitioner
5. Enrolled nurse
6. Nurse EN
7. Nursing
8. Nursing care - in patients home
9. Doula

Professional Indemnity & Public Liability Insurance For Nurses

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