What’s covered

Medical and health professionals can choose AAMI Business Insurance covers for common risks to your business, such as:

• Public & Products Liability (injury) – for example, a patient or visitor slips on a wet floor in your reception area and is injured.
• Public & Products Liability (damage) – for example, water from a burst pipe in your practice damages a neighbouring property.

Optional covers for an additional premium

• Portable valuables – for example, you accidentally drop your work mobile phone while travelling between clinics and it’s damaged.
• Theft – for example, an unknown person breaks into your medical practice and steals specialist equipment used by you in your business.
• Tax Probe – for example, your business’ GST is audited, and you need to pay your accountant’s fees.
• Commercial Motor – for example, your insured business vehicle is damaged en route to visiting a patient at their home.

Which medical professionals do we cover?

What’s not covered

• Dissatisfied customer – for example, a client complains that your diagnosis was wrong and demands you provide a refund.
• Liability – for example, any liability linked to you prescribing medicines or remedies designed to improve a patient’s performance, appearance, or relieve their pain or illness.
• Unlocked vehicle – for example, you leave your vehicle unlocked and someone steals your stethoscope.
• Wear and tear – for example, your handheld air polisher starts losing power after months of heavy use on multiple patients.
• Workers Compensation – for example, a team member strains their shoulder while lifting a heavy box of orthopaedic shoes. This would typically be covered under Workers Compensation Insurance.