Health Professionals Insurance

Professional Liability Insurance

Accident Compensation, Health & Disability Commissioner, Health & Disability Commissioner Act and other legislation mean that today’s health professionals and medical practitioners face increased risk of claims.  These legislative and social changes have made it necessary for you to take responsibility for your own professional protection and financial security.

Instead of relying on insurance or indemnity agreements from employers or unions, you can have your own specially designed insurance plan. This plan is portable, anywhere in New Zealand, which means you can take it with you if you change employment.  This is a significant advantage over the system where many health professionals rely on their employers for indemnity and may be left uninsured when they resign or retire.

At Aon, we understand the risks specific to health professionals. We’ve negotiated with one of New Zealand’s leading insurers to provide a tailored insurance package, at a competitive price. 

To find out more and apply please contact us on 0800 266 665 or email us at

We help cover the following policies under the Health Professionals Plan:
Professional Liability

This insurance provides cover for your liability to pay damages to third parties arising from your acts or omissions in the conduct of your health profession. This section has nil excess to pay. Cover includes costs awarded against you as well as legal and other defence costs, whether the case against you is successful or not.

Legal and Disciplinary Defence Costs

This section will cover legal costs and expenses incurred in the defence of any action or enquiry brought against you such as Medical Disciplinary Hearings, Committees of Enquiry, Courts Martial, ACC Enquiries, Privacy Complaints Tribunal, Coroners Courts and the like.

Loss of Earnings

Covers Costs as a result of attendance at a court of enquiry because of a claim against you.

Public Liability - optional policy

Covering your legal liability to the public for bodily injury and/or damage to third party property arising from your practice activities but excluding bodily injury resulting from a treatment process – covered by Professional Indemnity/ Malpractice above.

Statutory Liability - optional policy

Covering your defence costs and certain fines and penalties imposed on you by a regulator or statutory body because of your unintentional breach of the insured Acts such as the Health & Safety at Work Act.  This optional insurance is becoming more important for employers in particular, due to the changes to at work health and safety regulations.

Special criteria? Apply over the phone.

If you are a Health Professional and meet any of the criteria listed below, then we recommend you speak to one of our experts.

• You are a business owner with qualified staff and require cover for them.
​• You practice, or intend to practice overseas, or attend training/conferences and cover is required.

Speak to our Liability Insurance specialists today on 0800 266 665 or email

*Please note: we can only accept payment by Visa or Mastercard.

This website contains general information only and does not take into account your individual needs or financial situation. It is important to note that limits, excesses, terms and conditions and exclusions apply to the products and services outlined on this website. Please refer to the relevant policy documents for details of cover, the provision of which is subject to the insurer’s underwriting criteria that apply at the time. Please contact us if you have any questions.