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Psychologists Insurance

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Feel-good insurance for Psychologists

While you take care of the mental health of others, let us take care of your insurance. Protect yourself with our Professional Indemnity and combined Public and Product Liability for Psychologists. Quality cover and competitive premiums in minutes.  


What is typically included in our Psychologists Insurance? 

  • Combined Professional Indemnity and Public & Product Liability. 

  • Flexible limits based on your coverage requirements. This includes; 

  • $2m, $5m, $10m or $20m for Professional Indemnity 

  • $10m or $20m for Public Liability 

  • Telehealth coverage is provided worldwide as long as it is within your scope of practice, and you domicile within Australia. Jurisdiction is in Australia 

  • Statutory liability covers claims made against you during the insurance period by an official body for a statutory liability wrongful act. 

  • You are entitled to one hour of free legal advice for circumstances that may give rise to a claim covered by this policy. 

  

First Party Hacker Damage: 

  • Coverage includes reasonable costs and expenses incurred to repair or replace parts of your website or computer system damaged, destroyed, or altered by a hacker. This helps ensure that your digital assets are quickly restored to their pre-incident state. 

 

Third Party Cyber Liability: 

  • Multimedia Liability: Covers you for claims arising from unintentional intellectual property infringements, defamatory statements, or breaches of confidence related to your website or email communications. 

  • Computer Virus Transmission: Indemnifies you against claims resulting from negligent transmission of viruses, worms, or other harmful software that you might unknowingly spread through your digital interactions. 

  • Privacy: Provides coverage if you're accused of unauthorized collection or misuse of confidential data concerning your clients or potential clients. 

  

Coverage under the Cyber Liability endorsement is limited to $25,000 any one claim and in the aggregate inclusive of defence costs. If you require a Cyber Liability limit above $25,000, please speak to our team directly to assist you further.  

  

Additional information for Training & Education cover (Psychologists’ Training and Education Extension endorsement) 

This endorsement extends coverage to include activities such as tutoring, mentoring, and training of students, provisional psychologists, and other health professionals. It also covers psychoeducation, group therapy, and coaching psychology, provided that such healthcare services are provided by a suitably qualified Psychologist in accordance with industry recognised registration standards, professional codes and guidelines.  

  

Psychology Board of Australia Requirements 

The Psychology Board of Australia states that the minimum level of Professional Indemnity insurance a Psychologist is required to obtain is $2 million cover for any one claim and at least one automatic reinstatement or equivalent.  

  

Other requirements include: 

 

  • Civil liability cover that is sufficient to cover the psychologist’s practice including at least one automatic reinstatement, or the equivalent, under employer-based PII arrangements 

  • Unlimited retroactive cover, or the equivalent, and; 

  • Run-off cover, which should be maintained for at least seven years (Our Psychologists Insurance has an unlimited run-off cover) 

  

For more information contact the Psychology Board of Australia. 

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