Insurance for Osteopaths

Osteopaths work on a broad range of health issues related to the muscles, bones, nerves and other systems of the body. Apart from massages, stretches, and exercises, osteopaths also offer advice aimed at leading a better lifestyle and managing health issues.
A notable element of a osteopath's profession relates to giving advice and thus involves risk. Sometimes mistakes happen and things do not go according to plan. If your client holds you responsible, it could put everything you have worked for at risk.
Professional Indemnity insurance protects you and your business against any advice you give to your clients.

All osteopaths are mandatorily required to be registered with the Australian Health Practitioner Registration Agency (AHPRA). They are also required to have insurance.

You may still be required to get insurance even if you are working as a part time osteopaths or a contractor.

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

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

Includes cover for:
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- Cover for work that falls within ordinary certifications and training of your AHPRA registered profession including upon request to the insurance partner or within scope of your services - cervical manipulation [remove if not osteopath], group exercise rehabilitation classes, training, clinical research subject to endorsements, telehealth services, Australia wide cover, Worldwide cover (excl USA & Canada)
- Clinical research, subject to no cover for publishing clinical research, or for setting up or running clinical trials.
Cover for civil liability, litigation, defence costs up to the limit of liability of $20m or aggregate of up to $60m.
- Cover for regulatory disputes including investigations or complaints to AHPRA or another official body, under Statutory Liability cover section.
- Cover for privacy breaches or health records legislation breaches under Privacy & Health Records Legislation
- Unlimited retroactive date - so you have peace of mind for any claims made in the current policy period for any work you undertook in the past (just tell us you've had past insurance),
- 2 x reinstatements, for insurance limits of up to $20m PL, & $10m PI, there is an aggregate limit available, with two reinstatements if there are multiple unrelated claims of up to $60m PL and $30m PI. An aggregate limit refers to the total limit payable in one period of insurance even if a number of claims are made in the period of insurance.
- One hour complimentary legal advice on an issue that may become a claim per policy. This is available whether you have had a claim made or not and is offered by our insurance partners legal panel.
- Run off cover is available on inquiry from our insurance partner for additional premium for up to 7 years following retirement or ceasing your business operations.

It's important that you select the occupations that best describe your business. This can be one or a number with a % split for each. You can add as many activities to your osteopathy activity as long as it remains in allied health specific field - this includes dry needling, clinical massage service, therapeutic massage service, physiotherapy, yoga, and acupuncture.

Chiropractors are however not able to obtain cover.

Generally speaking, if you have the qualifications to perform Osteopaths services, this activity and this falls within your work as a then there would be cover under this insurance. There is no requirement for any qualifications whether Australian or overseas by our insurance partner. You need only to declare on the business details section of the quote that all staff are given adequate training, as do you "ensure that all staff are suitably qualified to perform the services that they are providing?".

At upcover, we are a digital insurance broker that works with insurers to build great experiences and offer market leading insurance products. Our insurance partner is an award winning underwriting agency, ProRisk and Assetinsure.The insurance products we offer are backed by reinsurer, Swiss Re, a AA- financial rated company by Standard & Poor's, and one of the oldest, and strongest insurance companies in the world. This means, if you need to make a claim your claims will be paid by Swiss Re, or AssetInsure so you can rest easy.

The insurance we offer is a market leading insurance product tailored for AHPRA registered professionals, and protects Osteopaths for Public and Products Liability insurance and, or Professional Indemnity insurance.

1. Osteopathy
2. Osteopath
3. Osteopathic services