Business Insurance
Cover for the clinical decisions you make every day
Medical malpractice insurance — professional indemnity in a clinical setting — protects healthcare practitioners against claims of negligence, and covers the legal costs of defending them.
Who needs medical malpractice cover
Malpractice cover applies across clinical and support roles — physicians, nurses, dentists, chiropractors, pharmacists, therapists, counsellors and allied health professionals, as well as medical facilities, alternative medicine practitioners, students and residents, and healthcare administrators.
It exists so that a claim doesn't stop you practising while it's being resolved.
Two kinds of liability to cover
A healthcare practice carries professional risk and everyday premises risk. They're covered by different policies, and most practices need both.
From our clients
“We used KeyInsure to insure our business pack and medical malpractice cover, and they could not have been more helpful and professional in our dealings with them. Regrettably we had a claim with our laser equipment breakdown, and the KeyInsure team was extremely supportive, responsive and efficient throughout the entire process, which was a big help. We recommend them highly.”
Balabala Laser ClinicCommon questions
Why practitioners carry it
- Legal costs are covered — Defence costs, settlements and judgments are met by the policy rather than by you.
- It's often a condition of practice — Licensing, accreditation and hospital privileges commonly require it, as do many employment contracts.
- Cover continues after you stop — Tail (run-off) cover responds to claims made after you retire or change careers, for work done while you were insured.
- Patients have recourse — Cover means a patient affected by an error has a path to compensation that doesn't depend on your personal finances.
What's included differs between insurers — your policy schedule will specify the scope, limits and exclusions.
Related cover
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General advice only. Consider the relevant PDS & TMD before acquiring any product.