Instant Cover for members of Osteopathy Australia

Osteopathy Australia has partnered with upcover to help you find simple, affordable and quality osteopathy insurance.
FEATURED IN
"Very easy to use, gave me a price in seconds. I liked that I did not have to answer too many questions to get a price. First time business owner and I'd highly recommend them."
Jamie SMITH
"Completing the application and the transaction was fast and painless. The pricing was competitive and I got a deal too!"
Heather Miller
"I've tried many insurance companies for my business and they all asked me for long forms to be filled to get a price. upcover was able to get me a price for my business insurance in seconds."
Andrew Collins
other benefits

Value added benefits of upcover’s osteopath insurance

Contract Review

This entitles you to four contract reviews each year you have your osteopathy insurance. This can be used for any contract that might impact your insurance policy. An example of this might be retaining a contractor.

Complimentary Legal Advice

This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.

Whistleblower Hotline

You and your business employees can access a Whistleblower Hotline that is provided by our insurance partner at no additional cost to you.

cover for all situations

This Osteopath insurance extends cover to the following listed

Cervical manipulation
Employees
Sole traders
Businesses
Telehealth
Operates alongside union umbrella insurance (need insurance in order for umbrella to respond)
Rehabilitation classes
Training
Clinical research subject to endorsements
Clinical research
Group exercise (Pain management sessions)-10 pax
Yoga
Dry needling
Dry cupping
One on one exercise
Kinesio taping

In addition to the regular work, this insurance covers your training business at:

Online sessions
Australia wide
Worldwide cover (excl USA & Canada)
Client's home
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events covered
Physical Injury

After a series of osteopathic sessions with you to treat their carpal tunnel syndrome, a client alleges you’ve worsened their condition.

Trips, Slips and Falls

During a group osteopathic session, your client falls and blames you for not providing a safe environment.

Negligence

You’re treating a sports person for an injury to their ankle. You suggest dry needling - a couple of sessions on this and therapy to the ankle exaggerate the injury as they do not take into account past injuries to the ankle leading to further damage so that it cannot bear weight, the sportsperson misses an important program and misses tryouts for the Olympics, blaming your inappropriate advice and treatment.

Error of Judgement

Your client accuses you of preparing a osteopathy program that made their recently injured shoulder worse, leading to them returning to work earlier than necessary and further damaging the shoulder - which now requires a full reconstruction. The client needs to take months off work as a labourer

Bad Professional Advice

You recommend some home exercises to a client suffering from backache but the exercises lead to further deterioration of their condition necessitating bedrest and time off from work.

Third Party Damage

In a osteopathic session at a client's home, you knock over and break an expensive heirloom .

exclusions

What is not covered (exclusions) under osteopath insurance policy?

Abuse

Abuse excludes cover for any insurance claim that might arise from actual or alleged verbal, physical, sexual abuse, molestation, assault, battery or violence.

Dishonest / wilful acts

Dishonest and/or wilful acts exclude cover for any insurance claim that might arise from dishonest, fraudulent or criminal acts.

Alcohol and Drugs

This excludes cover for any insurance claim that might arise from use of alcohol, illegal drugs, narcotics and intoxicants

*For all policy exclusions, please refer to the policy wording and general terms & conditions.
WHY UPCOVER

Instant Insurance Cover

Acclaimed Claims Service

Market Leading Insurance

Cancel Anytime Insurance

100% Online Process

Instant Proof of Insurance

Why upcover

Why choose upcover for osteopathy professionals insurance?

upcover’s got your back with business cover!

At upcover we understand the trauma of going through a complaint, responding to a legal proceeding or investigation. The allied health professionals insurance aims at working as a safety net to minimise your out-of-pocket expenses, in paying legal bills, responding to or even settling a dispute - so you don’t have to lose focus on running your business, or part with your hard-earned savings.

COVER STARTS FROM
$464.20
per year
Instant Cover
Cancel Anytime
Acclaimed Claims Service
Market Leading Insurance
Instant Proof of Insurance
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WHO WE COVER

It's quick, it's easy, it's upcover

Public and products liability and professional indemnity insurance are available from $464.20 per year*
Natural therapists
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Massage therapist
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Speech pathologist
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Counselling therapist
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Psychologist
See More
Other 20+ therapy Professions
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*This is based on an NSW business - a non-public company with average annual revenue of $100,000 and looking for an insurance cover of $10m in public liability and products liability and $1m in professional indemnity insurance with the Healthcare Professionals Civil Liability insurance policy. Please note insurance prices may vary for different occupations.
cover for all situations

This sports trainer insurance covers

Coaching for after-school programs
Coaching for holiday programs
Training routines
Contact sports training
One-on-one coaching
Non-contact sports training
Coaching through sports clubs
Competitions and matches played through clubs, leagues, federations and associations

This insurance covers your coaching and training services:

During school holidays
Outside of competition rosters
No limit on the number of hours you train and coach
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PROTECTS you Against

How does this insurance protect sports coaches?

upcover offers insurance that blends professional indemnity and public and product liability insurance, offering you tailored insurance solutions for sports coaches at affordable prices.

Professional Indemnity Insurance for rehabilitation counsellors (Limits up to $10m)

Professional indemnity protects you from claims made against your coaching and training business in the course of you providing your professional services.

Negligence

A young player collapses while playing netball. You’re the coach but do not administer proper first aid and CPR leading to serious health complications for the player and added stress to the family.  

Bad Professional Advice

A player was injured severely during a football league match for an A grade high school team. You suspected concussion, and knew this had occurred a number of times throughout the season, however each time you did not alert this or ensure the player left the field to properly recover and be medically assessed. This led to the parents claiming sustained short term memory loss, and difficulty learning in their final year exams.

Error of Judgment

You’re a football coach and conduct a game in a carpark rather than on the regular soccer field due to rain. A player ends up breaking their ankle from slipping over some oil. You can be sued for not playing the game at an appropriate and safe place.

Public & Products Liability insurance for sports coaches (Limits up to $20m)

Public liability insurance protects your coaching and training business against liability if someone gets injured on your premises or while you are providing your services.
Products liability insurance is for claims made against your coaching and training business for products supplied or sold by you to a third party. This might be a claim arising from a sports product or a product that injured someone.

Physical Injuries

A child gets injured while training for next season’s football season under your supervision. Turns out you were conducting the session without handing out the proper gear.

Trip, Slips & Falls

A player slips over a football that had not been cleared in the football field after a session, and fractures their ankle.

Third Party Damage

In a particularly wet season, your top team has missed three training sessions in a row. So that your players can continue to practice for the upcoming season, you arrange a new location for the group to train in a covered area. This was close to a residential area and led one student to damage an Audi that was parked nearby

ARE YOU READY?

Need a certificate of insurance?

Get covered and share your certificate of insurance in minutes

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support

Make a Claim

Had an adverse incident and want to make a claim to an award winning claims team? You can submit a claim online at any time.
Start by clicking on the link below.
Make a claim

Contact us

Give us, or our insurance partner, a call or drop us a line at any time. Our teams will endeavour to answer all enquiries within 24 hours on business days.
General Enquiries
hello@upcover.com
For questions relating to our product offering, information handling, policy coverage or anything else, please reach out here.
Cancelling your policy
support@upcover.com
You can cancel your policy at any time. Simply email us and tell us your business name, reason for cancelling, and we'll do the rest for you.
Making a compliant
COMPLAINTs@upcover.com
If you're unhappy with the service you've received by us or our insurance partner and wish to make a complaint, email us here.
If you want to reach out to the issuer of your policy, you can email ProRisk directly on enquiries@prorisk.com.au
FAQs

Commonly asked by our customers

Why is osteopath insurance important?

Osteopaths work on a broad range of health issues related to the muscles, bones, nerves and other systems of the body. Apart from massages, stretches, and exercises, osteopaths also offer advice aimed at leading a better lifestyle and managing health issues. A notable element of a osteopath's profession relates to giving advice and thus involves risk. Sometimes mistakes happen and things do not go according to plan. If your client holds you responsible, it could put everything you have worked for at risk.Professional Indemnity insurance protects you and your business against any advice you give to your clients.

All osteopaths are mandatorily required to be registered with the Australian Health Practitioner Registration Agency (AHPRA). They are also required to have insurance.

You may still be required to get insurance even if you are working as a part time osteopaths or a contractor.

What can a osteopath be sued for?

While we hope it doesn't happen, osteopaths can potentially be sued for:
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‍• Covering medical costs (current and future) for a client that is injured
• Loss of a client's earning capacity when the client is off work
• Additional compensation if the damage to the client is permanent/long-lasting
• Mental trauma, pain and suffering of the client from the injury

What limits are available with upcover?

You can get covered today with tailored osteopathy insurance that provides public & products liability insurance limits available up to $20m, and professional indemnity limits available up to $10m.

What also osteopath insurances includes?

Includes cover for:

- Cover for work that falls within ordinary certifications and training of your AHPRA registered profession including upon request to the insurance partner or within scope of your services - cervical manipulation [remove if not osteopath], group exercise rehabilitation classes, training, clinical research subject to endorsements, telehealth services, Australia wide cover, Worldwide cover (excl USA & Canada)
- Clinical research, subject to no cover for publishing clinical research, or for setting up or running clinical trials.Cover for civil liability, litigation, defence costs up to the limit of liability of $20m or aggregate of up to $60m.
- Cover for regulatory disputes including investigations or complaints to AHPRA or another official body, under Statutory Liability cover section.
- Cover for privacy breaches or health records legislation breaches under Privacy & Health Records Legislation
- Unlimited retroactive date - so you have peace of mind for any claims made in the current policy period for any work you undertook in the past (just tell us you've had past insurance),
- 2 x reinstatements, for insurance limits of up to $20m PL, & $10m PI, there is an aggregate limit available, with two reinstatements if there are multiple unrelated claims of up to $60m PL and $30m PI. An aggregate limit refers to the total limit payable in one period of insurance even if a number of claims are made in the period of insurance.
- One hour complimentary legal advice on an issue that may become a claim per policy. This is available whether you have had a claim made or not and is offered by our insurance partners legal panel.
- Run off cover is available on inquiry from our insurance partner for additional premium for up to 7 years following retirement or ceasing your business operations.

What other activities can I be covered for with my Osteopath insurance offered by upcover?

It's important that you select the occupations that best describe your business. This can be one or a number with a % split for each. You can add as many activities to your osteopathy activity as long as it remains in allied health specific field - this includes dry needling, clinical massage service, therapeutic massage service, physiotherapy, yoga, and acupuncture.

Chiropractors are however not able to obtain cover.

Generally speaking, if you have the qualifications to perform Osteopaths services, this activity and this falls within your work as a then there would be cover under this insurance. There is no requirement for any qualifications whether Australian or overseas by our insurance partner. You need only to declare on the business details section of the quote that all staff are given adequate training, as do you "ensure that all staff are suitably qualified to perform the services that they are providing?".

Who is upcover?

At upcover, we are a digital insurance broker that works with insurers to build great experiences and offer market leading insurance products. Our insurance partner is an award winning underwriting agency, ProRisk and Assetinsure.The insurance products we offer are backed by reinsurer, Swiss Re, a AA- financial rated company by Standard & Poor's, and one of the oldest, and strongest insurance companies in the world. This means, if you need to make a claim your claims will be paid by Swiss Re, or AssetInsure so you can rest easy.

The insurance we offer is a market leading insurance product tailored for AHPRA registered professionals, and protects Osteopaths for Public and Products Liability insurance and, or Professional Indemnity insurance.

What occupations are covered under osteopath insurance?

1. Osteopathy
2. Osteopath
3. Osteopathic services

What is a certificate of currency?

A Certificate of Currency is issued by an insurance company and is something you can use as proof that your existing insurance policy is valid. It contains all the information regarding your policy. You may be asked from time to time to prove your insurance - for loans to your business, for landlords of your premises, or for certain clients you might have. The moment you purchase your insurance from upcover you can send your proof of insurance to whoever requires it, at just a click of a button.

How can I make a claim?

You can make a claim by filling up this online form here.

Just answer a few simple questions and submit your claims form in minutes.
Osteopathy Australia has referred you to upcover Pty Ltd (ABN 17 628 197 437). Osteopathy Australia may earn a commission from upcover when you purchase a business insurance policy as a result of this referral.

upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”). upcover markets insurance products and services on behalf of Armada. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance is underwritten by Professional Risk Underwriting Pty Ltd  ABN 80 103 953 073 AFSL 308076 (“ProRisk”) under an authority to bind cover on behalf of Swiss Re International SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”). Armada, ProRisk and upcover and their employees act as agents of Swiss Re and not as your agent. Neither ProRisk, Armada or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs.

Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available at upcover  and consider whether it's appropriate before making any decisions about whether to buy a product.
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Consider the Policy Wording For Allied Health Professionals Insurance Policy, General Terms & Conditions and the Financial Services Guide to decide if an insurance product offered by upcover is right for you.

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