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Allied Health Professional

Perfect for disability workers, beauticians, fitness & yoga practitioners and 300+ other types of wellness occupations

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— The Basics

What is

Allied Health Professional

Allied health insurance protects practitioners from professional liability claims, regulatory investigations, and workplace risks. A strong policy covers treatment allegations, privacy breaches, legal costs, and compensation, helping you bounce back quickly.

At upcover, we connect you with policies that protect your practice without risking your savings.

— Why it Matters

Why is it important?

Accidents and complaints can happen, even when you do everything right. A client may dispute fees, or someone could be injured in your rooms. Sorting it out takes time, and legal bills can add up fast.

This cover may help with defence costs and compensation, so one claim does not knock your cash flow off course and you can keep focusing on your clients. At upcover, we match you with cover that fits.

— The Basics

What is

Allied Health Professional

Allied health insurance protects practitioners from professional liability claims, regulatory investigations, and workplace risks. A strong policy covers treatment allegations, privacy breaches, legal costs, and compensation, helping you bounce back quickly.

At upcover, we connect you with policies that protect your practice without risking your savings.

— Why it Matters

Why is it important?

Accidents and complaints can happen, even when you do everything right. A client may dispute fees, or someone could be injured in your rooms. Sorting it out takes time, and legal bills can add up fast.

This cover may help with defence costs and compensation, so one claim does not knock your cash flow off course and you can keep focusing on your clients. At upcover, we match you with cover that fits.

upcover is trusted by business owners and insurers alike

60,000+

Businesses

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Customer Rating

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Insurance Partners

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Businesses Covered

Choose from over 1,000+ business types

Businesses & Sole Traders

Disability Support & Care

Nurse

Nursing Aged Care

Social Workers

Care Support Workers

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Coverage Highlights

What is Covered under

Allied Health Professional

Insurance

Here’s what this policy typically helps with. Exact cover depends on your insurer and wording.

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Public liability

Designed to cover third-party liability if a client or visitor is injured, or their property is damaged, because of your practice or services. Includes compensation and legal defence and investigation costs.

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Defamation and reputation cover

Designed to cover claims that statements you made while providing healthcare services harmed someone's reputation. Includes compensation payments and legal defence costs.

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Product liability

If you sell or supply products (like braces, supplements, rehab gear), this cover is designed to cover claims where defective products cause bodily injury or property damage to third-parties. Includes coverage for damages and legal defence costs.

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Regulator investigation costs

Designed to cover legal costs if a regulatory body investigates your practice in relation to healthcare services.

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Professional indemnity

Designed to cover claims for professional negligence, errors or omissions in your treatment, advice or healthcare services that result in financial loss to a client. Includes compensation payments and legal defence costs.

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Claims Examples

Common

Allied Health Professional

Insurance Claims

Simple, real-world examples to help you better understand how coverage might work with this policy.

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SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

WHY IT'S EXCLUDED

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

Product Reaction

SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

WHY IT'S EXCLUDED

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

WHY IT'S EXCLUDED

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

SCENARIO

A client complains to a regulator about your record-keeping and consent process. The regulator opens an investigation and requests a written response and an interview. You engage a lawyer to prepare your response, attend meetings and handle the documentation.

WHAT IT'S COVERED

Investigation costs can help pay reasonable legal fees if a regulatory body investigates your practice in relation to healthcare services.

Regulator enquiry costs
SCENARIO

You sell a resistance band to a client for home rehabilitation. It snaps during use, causing a fall and shoulder injury. They say the band was defective, hold your practice responsible for supplying it, and seek medical costs, lost income and damages.

WHAT IT'S COVERED

Product liability is designed to help if a product you sell or supply causes injury or property damage. It can cover legal defence costs and compensation payment.

Injury from sold product
SCENARIO

After a session, a client says your advice made their condition worse. They need extra treatment and time off work. They claim you did not meet professional standards and seek compensation for treatment costs and lost earnings.

WHAT IT'S COVERED

Professional indemnity is designed to help if a client claims your treatment or advice caused financial harm. It can cover legal defence costs and compensation payments.

Treatment injury claim
SCENARIO

A client arrives for an appointment. The foyer has been mopped but there is no warning sign. They slip, fracture a wrist and smash their phone. They claim your clinic did not keep the premises safe and ask for medical bills and lost income.

WHAT IT'S COVERED

Public liability is designed to help if someone is injured or property is damaged because of your business operations. It can cover legal costs and compensation payments.

Client slip in clinic
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Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.

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Benefits

Why Businesses trust upcover

Get quotes in minutes, adjust your cover as your business evolves, and lean on expert support to help you make confident insurance decisions.

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Who It’s For

Who needs

Allied Health Professional

Insurance?

Types of businesses who might be contractually required or recommended to take out this insurance.

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Other Allied Health Practitioners

Dietitians, podiatrists, audiologists, and remedial therapists face unique risks from treatment complications and regulatory scrutiny that may require cover.

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Osteopaths

Osteopaths provide manual manipulation for musculoskeletal conditions. Treatment complications and adverse reactions during adjustments that require insurance coverage.

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Psychologists

Psychologists treat vulnerable clients and face misdiagnosis claims, boundary complaints, and duty of care breaches that require comprehensive insurance protection.

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Occupational Therapists

OTs face claims from equipment recommendations and workplace assessments. Treatment plans affecting client independence create professional liability risk that requires appropriate cover.

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Physiotherapists

Physiotherapists face claims from injury allegations during manual therapy and exercise programs. Hands-on treatment creates liability exposure that requires insurance protection.

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Exclusions

Typical Exclusions under

Allied Health Professional

Insurance?

Common examples of what is generally outside cover. Check the insurer policy wording to confirm the details.

Tab 1
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SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

WHY IT'S EXCLUDED

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

February 23, 2026

SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

WHY IT'S EXCLUDED

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

WHY IT'S EXCLUDED

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

SCENARIO

Claims, complaints, or circumstances you knew or ought to have known about and should have disclosed before purchasing insurance. This includes ongoing disputes, threatened claims, or situations likely to result in a claim.

WHY IT'S EXCLUDED

Insurance is designed to protect against unknown future risks, not existing problems. Prior circumstances must be disclosed when applying for cover.

Prior Known Circumstances
SCENARIO

Accidents involving vehicles requiring compulsory third party insurance, property damage from vehicle use, or injuries during transport, except where specifically included for emergency patient transportation when providing direct care.

WHY IT'S EXCLUDED

Vehicle-related incidents are covered by separate motor vehicle policies and CTP insurance. Mixing these with professional indemnity would duplicate coverage and complicate the claims resolution process.

Motor Vehicle Incidents
SCENARIO

Claims arising from hiring, firing, discrimination, harassment, wrongful termination, or unfair treatment of employees. This includes workplace relations disputes, wage claims, and unfair dismissal allegations.

WHY IT'S EXCLUDED

Employment matters are separate business risks, not professional service failures. They're intended for management liability or employment practices liability policies, not allied health professional indemnity.

Employment Disputes
SCENARIO

Any actual or alleged dishonest, fraudulent, or criminal conduct by you as the insured practitioner, business owner, principal or director, including deliberately reckless behaviour, wilful breach of professional standards, or intentional harm to clients or third parties.

WHY IT'S EXCLUDED

Insurance doesn't cover intentional wrongdoing by you as the policyholder. This is uninsurable as a matter of public policy. Note: Some policies include employee fidelity coverage for dishonest acts by your staff as this is a separate provision. Check your policy wording for details.

Dishonest or Criminal Acts
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Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.

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Price Factors

Factors Affecting Cost of

Allied Health Professional

Insurance

Your premium is based on your details and the cover options you choose. There is no one set price for every business.

What Affects your

Allied Health Professional

Insurance Premium?

Profession

Some specialties carry higher risks. For example, hands-on therapists providing manual treatment face greater exposure compared to practitioners offering advice-only services.

Revenue

The higher your annual turnover, the greater your potential exposure to claims. Insurers use revenue as a key measure of the scale of your practice and risk profile.

Coverage Limit

Your chosen cover limit directly impacts your premium. Limits typically range from $5 million to $20 million. Higher limits provide greater financial protection but also cost more.

Excess Amount

The excess you're willing to pay directly affects your premium. Higher excesses can lower premiums, while lower excesses mean you pay less out of pocket when making a claim but cost more.

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Explore More

Explore our Coverage Library

Browse from a range of cover types to match your business’ unique needs.

Public & Products Liability

Covers third-party claims from injury or property damage

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Professional Indemnity

Covers claims arising from professional services & errors

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Medical Malpractice Insurance

Covers claims arising from medical treatment or advice

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Business Pack

Can include glass, business interruption, theft, contents.

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FAQs

Allied Health Professional

Insurance Queries

What is allied health professionals insurance in Australia?

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Allied health professionals insurance is designed to cover certain civil liability risks linked to providing healthcare services. It commonly includes professional indemnity, public liability and related covers.
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What is allied health professionals insurance in Australia?

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Who needs allied health insurance?

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If you provide healthcare services, treatment or advice to clients, you likely need allied health insurance. This includes professions like physiotherapy, psychology, chiropractic, occupational therapy, podiatry, dietetics and many more.
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Who needs allied health insurance?

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What does allied health professional indemnity insurance cover?

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Professional indemnity is designed to cover claims arising from the provision of healthcare services, such as allegations of treatment error, omission or advice causing your client financial loss.
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What does allied health professional indemnity insurance cover?

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What does public liability insurance cover for allied health professionals?

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Public liability covers claims where someone is injured or their property is damaged in connection with your business — for example, a client tripping at your clinic. It doesn't cover claims related to the treatment itself.
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What does public liability insurance cover for allied health professionals?

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What's the difference between professional indemnity and public liability for allied health?

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Professional Indemnity covers claims arising from your professional advice or services involving financial loss to a client. Public Liability covers claims for physical injury or property damage caused by your business activities. Most allied health professionals need both.
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What's the difference between professional indemnity and public liability for allied health?

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Does allied health insurance cover treatment-related injury claims?

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Yes, Public Liability cover is included in this combined policy and is designed to cover claims where a client alleges your treatment caused them personal injury. Cover is subject to policy limits and exclusions.
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Does allied health insurance cover treatment-related injury claims?

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Does allied health insurance cover telehealth consultations and online consultations?

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Generally yes, where telehealth forms part of your declared healthcare services. Some internet or cyber-related risks, including territorial limits, may be excluded, so it's worth checking your policy.
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Does allied health insurance cover telehealth consultations and online consultations?

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Does allied health insurance cover group sessions, classes and workshops?

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Yes, where these fall within your declared activities as insured healthcare services. The policy is designed to cover claims arising from group settings in the same way as individual consultations, subject to policy terms.
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Does allied health insurance cover group sessions, classes and workshops?

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Does allied health insurance cover home visits and mobile allied health services?

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Yes, where home visits or mobile services are part of your declared healthcare activities. Public Liability and Professional Indemnity apply only within policy conditions and territorial limits.
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Does allied health insurance cover home visits and mobile allied health services?

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Does allied health insurance cover supervised staff, students, interns or assistants?

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The policy is designed extend to employees, students and interns acting under your direction and control. If you're legally responsible for their conduct, the policy may respond to claims arising from their work.
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Does allied health insurance cover supervised staff, students, interns or assistants?

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What is not covered by allied health professionals insurance (common exclusions)?

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Common exclusions include dishonest or criminal acts, conduct under the influence of alcohol or drugs, prior known claims, certain cyber risks, and the cost of re-performing or correcting faulty work. Full exclusions are set out in the policy wording.
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What is not covered by allied health professionals insurance (common exclusions)?

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How much allied health insurance cover do I need?

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The level of cover needed depends on your services, client exposure, contractual requirements and risk profile. You should contact our Specialty team to assist you in determining the level of cover that is right for you.
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How much allied health insurance cover do I need?

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How do I make a claim?

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You should notify your insurer as soon as you become aware of a claim or circumstance that may give rise to a claim. Claims should be made in writing and handled in line with the claims notification requirements outlined in your policy wording.
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How do I make a claim?

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Does cover apply across multiple clinics or business names?

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It can, provided all locations and related business names are disclosed on your policy. Undisclosed activities may not be covered, so keep your insurer updated if anything changes.
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Does cover apply across multiple clinics or business names?

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Does allied health insurance cover NDIS-related services and complaints processes (where applicable)?

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The policy is designed to cover NDIS services where they form part of your insured healthcare activities. Certain investigation costs or statutory matters may be included, subject to exclusions and policy sub-limits.
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Does allied health insurance cover NDIS-related services and complaints processes (where applicable)?

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Does allied health insurance cover fitness or wellness advice posted online or on social media?

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Cover may apply where online content forms part of insured healthcare services. However, some internet, media or cyber-related claims may be excluded, so check your policy or ask your broker.
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Does allied health insurance cover fitness or wellness advice posted online or on social media?

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Blogs

From our Blog

Coverage, risk management and compliance, explained in plain English.

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The Ultimate Guide to NDIS Support Worker Insurance

Discover everything you need to know about NDIS support worker insurance, including coverage options, benefits, and how to protect yourself from risks.

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Navigating NDIS Support Worker Insurance: Everything You Need to Know

As an NDIS support worker or sole trader, you play a vital role in empowering individuals with disabilities to live fulfilling lives. However, the nature of your work also comes with unique risks and responsibilities. Having the right insurance coverage is essential to protect yourself and your livelihood. This guide explores the ins and outs of carers insurance and NDIS support worker insurance, helping you make informed decisions tailored to your needs.

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Allied Health Professional

Are Telehealth Practitioners Covered?

Do you offer Telehealth services as a support worker or therapist?

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The information contained on this website is general advice only and has been prepared without taking into account your individual needs, objectives and financial situation. It should not be relied upon as advice. All insurance products are subject to the terms, conditions, limits and exclusions contained in the relevant policy wording and Product Disclosure Statement.  Before deciding whether a particular insurance product is right for you, please consider your personal circumstances and read the relevant Product Disclosure Statement, Target Market Determination, Policy Wording, and Financial Services Guide.