Professional Indemnity Insurance
As an Allied Health Professional your career is one of your biggest lifetime assets. At VAHPA we understand the importance of protecting your job and your career as an Allied Health Professional. That is why VAHPA provides members with professional indemnity insurance that you can rely on.
We have partnered with PSC Insurance Brokers to develop a package tailored especially to meet the needs of VAHPA members.
Under our policy, if you are a VAHPA member, you are protected from the cost of a claim made against you. Our safety net policy provides members with:
$10 million cover for Allied Health Professionals
We provide cover that is considered appropriate by regulatory bodies and it covers you to the level of risk for the full scope of treatments and practices that you are registered and qualified to perform as an Allied Health Professional.
Meets national registration requirements
Our insurance satisfies the requirements for Allied Health Professionals under the national registration standards of the Australian Health Practitioners Regulation Authority (AHPRA).
No excess and no waiting period
In the event of a claim, you receive immediate assistance. There is no waiting period, no excess, no ‘deductibles’ and no charge for making a claim.
Unlimited run-off and retroactive cover
We provide run-off cover that protects you even after you retire with no ongoing costs and at no additional charge. Retroactive protection is also included for unknown events that may have occurred prior to you becoming a VAHPA member.
Working holiday extension
Our policy covers you for work anywhere in Australia and also includes an extension for Allied Health Professionals working overseas, except in the USA and Canada. This means that if you go to the United Kingdom on a working holiday you can keep up your VAHPA membership and retain the benefit of our Professional Indemnity Insurance.
Self-employment or contract work extension
VAHPA members who perform work as a contractor and those who are self-employed are also covered by our PII. There are some caveats on this form of coverage, for instance, income derived from self-employment is not to exceed $100,000. If you are working as a contractor or are self-employed it is important to contact VAHPA to discuss indemnity insurance arrangements. If you are operating as a sole trader, your business must be in your own name.
Member Assist Team
Should a claim be lodged against you our expert Member Assist Team will help you every step of the way. Backed up by an experienced industrial and allied health professional team, we will guide you through the processes and support you along the way.
Full scope of treatments
Members are covered for the full scope of practice that you are registered and qualified to perform as aa Allied Health Professional under AHPRA standards. For physiotherapists, this includes dry needling and for radiographers, cannulation.
Important
The policy will not cover dishonest criminal acts, fraud, fines and penalties that are imposed, or known circumstances of existing claims against members not disclosed when joining. Our professional indemnity insurance is:
- Included with your membership – there is no extra cost
- Free to claim with no excess
- Inclusive of public and products liability and legal benefits
- Underwritten by CGU
- Fully compliant with relevant professional registration boards
Your Disclosure
- You have no known claims or circumstances, at the time of joining VAHPA, that may give rise to a claim.
- You have a duty to disclose any relevant information that would lead to a potential claim or affect the insurer’s risk. If an incident occurs, you must notify VAHPA as soon as possible and VAHPA will lodge a notification with the insurer (members are not to send notifications directly to the insurer).
Isn’t my employer’s insurance enough?
While most employers carry indemnity insurance, but it is important to note that this cover does not necessarily protect you from a negligence claim. An employer’s insurer may sue an Allied Health Professional for acting outside the scope of normal duties so as to recoup their financial loss.
Certificate of Currency
Certificates of Currency are available on request via the Members Portal.
If your activation link has expired or if you have problems with log in, phone the Member Assist line on 1300 322 917 or send us an email .