Professional Indemnity Insurance
VAHPA provides a broad range of benefits and protections for Victoria’s Allied Health Professionals. These include workplace advice and representation, collective bargaining, advocacy, professional indemnity insurance, free legal advice, and a range of additional member benefits and discounts.
Your Professional Safety Net
Your career is one of your most important lifelong assets. At VAHPA, we understand the importance of protecting both your professional standing and your livelihood.
That is why VAHPA includes Professional Indemnity Insurance (PII) as part of membership, providing peace of mind and practical protection when you need it most.
VAHPA has partnered with Austbrokers Countrywide to develop an insurance package tailored specifically for Allied Health Professionals.
What Our Professional Indemnity Insurance Covers
$20 Million Professional Indemnity Cover
VAHPA members are covered for up to $20 million for claims arising from their professional practice as Allied Health Professionals.
Our policy is designed to align with the scope of practice Allied Health Professionals are registered and qualified to perform, helping ensure members are appropriately protected across their professional duties.
Meets National Registration Requirements
The policy satisfies the professional indemnity requirements set by the Australian Health Practitioner Regulation Agency under national registration standards.
No Excess Or Waiting Period
If a claim arises, support is available immediately.
There is:
- no waiting period
- no excess or deductible
- no charge for lodging a claim
84 month Run-off And Retroactive cover
Members receive run-off cover for up to 84 months (7 years) after retirement at no additional cost.
The policy also includes retroactive cover for unknown incidents that may have occurred before joining VAHPA, provided there was no prior knowledge of a potential claim.
Working Holiday Extension
VAHPA’s policy covers members working anywhere in Australia and also includes an overseas working extension, excluding the USA.
This means members working overseas, such as in the United Kingdom on a working holiday, can maintain their VAHPA membership and continue to benefit from Professional Indemnity Insurance coverage.
Self-Employment And Contract Work Extension
VAHPA members who are self-employed or engaged in contract work are also covered under the policy.
Please note that conditions and limits apply. Coverage for self-employed Allied Health Professionals applies where gross annual income from self-employment does not exceed $125,000 per annum.
Member Support When You Needc It
Expert Member Response Team
If a claim is made against you, VAHPA’s experienced Member Response Team will support and guide you through the process.
Backed by industrial experts, our team is there to provide practical advice, representation, and support every step of the way.
Full Scope of Practice Cover
Members are covered for the full scope of treatments and procedures they are registered, qualified, and authorised to perform under relevant professional standards.
For example:
- Physiotherapists are covered for procedures such as dry needling
- Radiographers are covered for procedures such as cannulation
Important Information
The policy does not cover dishonest criminal acts, fraud, fines, or penalties that are imposed, or known circumstances that were not disclosed when joining.
VAHPA’s Professional Indemnity Insurance is:
-
included as part of membership at no additional cost
- free to claim with no excess
- inclusive of public liability, products liability, and legal benefits
- underwritten through Lloyd’s specialty insurance arrangements
- compliant with relevant professional registration requirements
Your Disclosure Obligations
When joining VAHPA, members confirm they are not aware of any existing claims or circumstances that may reasonably give rise to a claim.
Members also have a duty to disclose relevant information that may affect the insurer’s assessment of risk.
If an incident occurs that may result in a claim, members should notify VAHPA as soon as possible. VAHPA will then manage notification to the insurer on the member’s behalf.
Isn’t My Employer’s Insurance Enough?
While many employers maintain indemnity insurance, employer policies do not necessarily protect individual Allied Health Professionals in all circumstances.
For example, an employer or its insurer may seek to recover costs from an employee if they allege the practitioner acted outside the normal scope of their duties.
Individual Professional Indemnity Insurance provides an important additional layer of protection and support.
Certificate of Currency
Certificates of Currency are available on request through the Members Portal.
Need Assistance?
The information above is general in nature and does not constitute personal insurance advice.
If you require assistance accessing your Members Portal, your activation link has expired, or you need support with your membership, please contact VAHPA on 1300 322 917 and press option 2, or email info@vahpa.asn.au.