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Insurance for Speech Pathologists

Instant speech pathology insurance that combines professional indemnity, public liability and products liability

Starts from $320 per year

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What is covered under the speech pathology insurance policy?

Speech Pathologists insurance under the allied health professionals insurance covers speech pathologists, speech therapists, and speech pathology service providers and is designed to include both professional indemnity, public liability and products liability.

The policy can cover child speech pathologists and public speech therapists.
Public Liability

Public liability insurance protects you and your speech pathology services against any liability if someone is injured on your premises or while you are providing your services.

Professional Indemnity

Professional indemnity insurance protects you for claims made against your speech pathology services in the course of providing your.

Third Party Property Damage

Products liability insurance protects you for claims made against your speech pathology services 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 speech pathology services.

Defamation

Protects you and your speech pathology services 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 services.

other benefits

Value added benefits of the speech pathology insurance policy

Contract Review

This entitles you to four contract reviews each year you have your speech pathology insurance policy. 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

You’re a paediatric speech pathologist working with a 5 year old child who is a late talker and suffers from stuttering. During one of your sessions, you provide a faulty assisted speech device to the child, which they accidentally swallow and choke on. Their parents accuse you of causing irreparable mental trauma to them, and permanent damage to their child.

Trips, Slips and Falls

A delivery person falls over some equipment at your clinic and fractures their arm.

Negligence

You’re working on an adult patient suffering from dysphagia and categorize them as a low risk patient. However, their condition suddenly worsens during a consult and the oesophagus blockage cannot be removed, requiring them to be admitted to intensive care.

The family blames you for not recommending proper treatment.

Error of Judgement

During a particularly busy day, the client files for two patients with similar names get interchanged accidentally leading to different treatments to be provided by their careers, resulting in severe reactions for one of them.

Bad Professional Advice

A patient suffering from Athetoid cerebral palsy finds it tough to control their face muscles and has drooling issues. You recommend acupuncture treatment that is incorrectly administered and worsens their drooling permanently.

Third Party Damage

You accidentally damage an expensive necklace of a client while administering treatment.

exclusions

What is not covered (exclusions) under speech pathologist 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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Other occupations covered

Check out some other occupations covered under the Allied Health Professionals insurance policy

Occupational therapist
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Massage therapist
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Reiki therapist
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Counselling therapist
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Physiotherapist
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Other 20+ fitness Professions
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how upcover works

How upcover works

To get your instant quote, all you need to enter is your occupation as a speech therapist or speech pathology services provider and your expected income!

No emails, no name, no personal information!

Get instant proof of insurance instantly

Whether you need to get speech pathologist insurance to win that client or to conduct therapy sessions at your workplace, having a certificate of insurance at your fingertips certainly helps!

With upcover, you can get your certificate of insurance instantly. Even better, you can share it with just one click!

The sky’s the limit!

With insurance limits of up to $10m professional indemnity and $20m public and products liability, plus reinstatements, speech pathologist insurance is the perfect solution for speech pathologists and speech therapists.
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FAQs

You asked, We answer

Why is speech therapist insurance important?

Speech therapists offer a broad range of services that include helping people with communication disorders, difficulties related to speaking, listening and swallowing. 

Since speech therapy entails helping people, who are often vulnerable, as children, disabled or with certain other impediments overcome or better manage their speech or swallowing related issues, sometimes mistakes or accidents happen while you’re doing your job. If your client or their guardian holds you responsible, it could put everything you have worked for at risk.

What can a speech pathologist be sued for?

While we hope it doesn't happen, personal trainers can potentially be sued for:
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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 speech pathologist insurance that provides public & products liability insurance limits available up to $20m, and professional indemnity limits available up to $10m.

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 speech pathologist insurance?

1. Speech therapy
2. Speech pathology service
upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd (AFSL 539078).
upcover is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”) and Mercurien Insurance Pty Ltd ABN 68 150 845 177,  AFSL No 480284 (“Mercurien”). upcover markets insurance products and services on behalf of Armada and Mercurien respectively. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance is underwritten by Professional Risk Underwriting Pty Ltd  ABN 80 103 953 073 AFSL 308076 (“ProRisk”) under an authority to bind cover on behalf of Swiss Re International SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”) or Mercurien on binding authority from Assetinsure Pty Ltd ABN 65 006 463 803, AFSL 488403. Armada, ProRisk, Mercurien and upcover and their employees act as agents of Swiss Re and Assetinsure Pty Ltd, not as your agent. Neither ProRisk, Armada, Mercurien or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs.
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Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available and consider whether it's appropriate before making any decisions about whether to buy a product.
© Copyright 2019 - 2023 upcover Pty Ltd ABN 17 628 197 437, CAR 1299211 of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078