Malpractice insurance is a term used for liability associated with alleged professional negligence, often in clinical work. Australian practitioners should identify their profession’s indemnity arrangements rather than assume one standard malpractice policy fits every service.
The distinction that matters
A practitioner’s individual arrangement and a clinic company’s liability are not necessarily the same. Treatment, advice, supervision and entity responsibility should be described separately.
What to check
- The profession and declared procedures.
- Individual, employer and clinic-entity interests.
- Notification, prior practice and run-off.
- Professional registration and indemnity standards.
Example to discuss
When a clinician works as a contractor, ask whose arrangement addresses their treatment and whose addresses an allegation against the clinic itself.
This is a hypothetical comparison, not a customer claim or a determination of cover.
Sources and further reading
General information only. The policy, schedule and applicable rules determine the actual position. For a personal decision, use an appropriately qualified adviser or the relevant provider.