Your treatment helps improve and enrich your clients lives, sometimes though, unfortunate events happen to even the most conscientious OT.

A client making an allegation about the treatment you provided or even alleging your advice resulted in them purchasing unsuitable equipment or products, or someone slipping and falling on your premises, are events that can quickly turn into challenging situations that can have detrimental consequences. It’s therefore important to make sure you’re balancing the valuable work you do with insurance that understands the risks of your industry so you can feel confident that you’ve found the right type of insurance for your business.

Cover benefits

Flexible Professional Indemnity cover limits
Choose a level of Professional Indemnity cover to suit your needs - $1 million, $2 million, $5 million, $10 million or $20 million. ₂

Public and Products Liability cover
$20 million combined public and products liability limit per claim and $60 million in the aggregate. ₂

2 hours complimentary legal advice
You could save hundreds of dollars on legal costs with 2 hours of complimentary legal advice on risks insured under this policy. Legal advice relating to your policy is not included. ₂

Unlimited retroactive date
This policy is intended to help provide cover for claims relating to events connected with your business that happened before you purchased your policy, provided you weren’t aware of a claim or facts or circumstances which could give rise to a claim before you purchased the policy. ₂

No excess
No excess for certain claims under the Professional Indemnity or Products Liability section. ₂

Run-off cover
You can be subject to claims for professional wrongdoing even after you retire or sell your business. Run-off cover extends your insurance policy to help respond to claims relating to events which arose while the business was operating. ₂

Why Aon?

OTA Special Member rates
Aon offer special member rates for OTA members – compare premiums now  GET A QUOTE HERE   ₂

Member joining offer for new Aon clients
OTA Members that are new Aon clients can get 15 months’ cover for the price of 12 months cover. ₁

Aon policy renewals
To maintain the OTA member rate on your Aon insurance policy, you must be an active member of OTA when you renew your policy.

Supported by OTA
Aon is proud of the long-standing partnership with Occupational Therapy Australia and the insight and understanding our team have gained by listening to the needs of OT’s. This has allowed Aon to develop a policy for the health sector, that’s easy to buy, manage and understand.  

Easy to manage
Get a quote and arrange your policy online or give one of our experienced specialists a call.

Trusted leaders
Aon is a leader in risk and insurance and has arranged cover for over 7,000 Occupational Therapists.

Other insurance to consider
Aon also arranges a range of other insurance for Occupational Therapists, including business insurance, cyber insurance, personal accident, management liability insurance and more.

Contact us today for a quote

t 1800 805 191  Mon to Fri 8:30am – 5:00pm AET
e au.ot@aon.com

Access the Aon online platform here GET A QUOTE HERE to obtain a quotation and arrange a policy.
 

Disclaimers

_{1    The 15 months cover for the price of 12 months offer is available when an OTA Member purchases a Combined Professional Indemnity, Product Liability and Public Liability Insurance for Health Professionals through Aon for the first time. Aon reserves the right to cancel this offer at any time. Terms and eligibility conditions apply. Call 1800 805 191 for more details.}

_{2   Subject to full policy terms, conditions and exclusions.}

_{The information contained in this communication is general in nature and should not be relied on as advice (personal or otherwise) because your personal needs, objectives and financial situation have not been considered. Before deciding whether a particular product is right for you, please consider your personal circumstances and the full policy terms and conditions available from Aon on request. All representations in this communication in relation to the insurance products Aon arranges are subject to full terms and conditions of the relevant policy. Please seek independent professional advice if needed. This communication is current as at the date of publication and subject to any qualifications expressed. Please contact Aon if you have any queries.}

_{Occupational Therapy Australia Limited ABN 27 025 075 008 (OTA), act as a referrer of the above listed insurance/s to Aon. Where you purchase this insurance as a result of a referral from OTA to Aon, OTA will receive a fixed fee from Aon’s total remuneration. Please feel free to contact us for further information.}

Introducing an easier way to buy business insurance, designed for health professionals*

To get a quote or find out more, CLICK HERE

Business Insurance Packs with the needs of health professionals in mind, saving you time and effort.

Not every business is the same - why should the way you buy business insurance be? Given the nature of Business Insurance packs, the process of taking out a policy can be time-consuming and confusing. Most standard applications involve various questions on all types of risk – even if they are not relevant to your type of business. 

That’s why Aon have created online business insurance pack with the needs of health professionals in mind, saving you time and getting you back to more important things, like running your business.

Designed to suit
Business Insurance is there to help protect your business and its assets against unexpected events. Our three pre-selected online options are designed to suit the most common business needs of health professionals and will only ask you questions relevant to the business risks of health professionals, without the long, time-consuming questionnaires.

A trusted leader
As a Health Professional, the service you provide helps your clients live richer and fuller lives. You’re in your chosen field because you love helping people, and it’s what you do best. That’s why when it comes to protecting your practice with insurance, it’s worth being with a broker you can trust.

Hassle free support
You can compare levels of covers and take out a policy online in just a few clicks. But if you need help, our team of friendly experienced brokers are a phone call away and can guide you through your options, so you can have confidence you’re making a better decision for you and your business.

Don’t just insure, be sure
Aon is committed to making life easier for small and medium allied health business owners with insurance that’s easy to understand, buy and manage. If you’re a small or medium business owner, your job is anything but small, so when it comes to protecting your business with the right cover, it helps to have an expert on your side.

As specialist brokers, Aon can arrange insurance tailored for risks commonly faced by small businesses, giving you the confidence of quality cover at a competitive price.

Talk to the team at Aon to find out more.

Aon’s team are here to support you and your business every step of the way.

To get a quote or find out more, CLICK HERE

Or chat to the Aon team today on 1800 805 191 between 8.30am and 5pm Monday to Friday (excluding public holidays).

Disclaimers

_{* On average, this question set and purchase journey for Health is shorter than the standard question sets to purchase business insurance packs.}

_{© 2022 Aon Risk Services Australia Limited ABN 17 000 434 720 | AFSL 241141 (Aon)}

<sub>The information contained on this page is general in nature and should not be relied on as advice (personal or otherwise) because your personal needs, objectives and financial situation have not been considered. Before deciding whether a particular product is right for you, please consider your personal circumstances, as well as the relevant Product Disclosure Statement (if applicable), Target Market Determination and full policy terms and conditions available from Aon on request. All representations on this page in relation to the insurance products Aon arranges are subject to full terms and conditions of the relevant policy. Please contact Aon if you have any queries

Health Professionals Business Insurance is arranged by Aon under a binder agreement on behalf of the underwriter, Zurich Australian Insurance Limited (ZAIL) ABN 13 000 296 640 AFSL 232507. When acting under a binder we will be acting as agent of the insurer and not as your agent. Our binder arrangements with the insurer are such that we remain your agent in the handling of any claim. If you purchase this insurance, Aon will receive a commission that is a percentage of the premium. Further information can be found in our FSG or provided upon request.</sub>

_{Please also note that Occupational Therapy Australia Limited ABN 27 025 075 008 (OTA), acts as a referrer of the above listed insurance/s to Aon. Where you purchase this insurance as a result of a referral from OTA to Aon, OTA will receive a fixed fee from Aon’s total remuneration. Please feel free to contact us for further information.}

Cyber Insurance arranged by Aon

Cyber Insurance can be an important policy to consider for any business with a digital footprint, as it may help protect your business from the costs associated with cyber events. 

An important aspect of cover that is typically available with Cyber Insurance is the assistance of a specialist cyber incident response team. They can provide initial support at the outset of a cyber event, helping businesses to reduce the impact of cyber events and restore operations as quickly as possible. Engaging an incident response provider can be expensive and time-consuming; however, under both CFC Cyber Insurance offers noted below, the policy cover includes incident response.^**

Not all insurance policies are the same, as not all needs of an insured will be the same. Aon can provide access to more than one cyber solution and helps enable you to determine what cover meets your business needs and objectives.

Insured’s are required to complete a proposal form before a quotation can be requested. This also enables you to discuss the policy differences with your Aon Broker so you can be sure you’re making informed decisions. When the quotation is provided, subject to underwriting criteria, Aon will provide 2 options for your review: CFC Micro SME Cyber Insurance and CFC Cyber Insurance (Advanced).

If you would like a quotation for Cyber Insurance click here to access a CFC proposal form.

Once you have completed the proposal form email to: au.ot@aon.com

If you have any questions, please call 1800 805 191 and ask for The Health New Business Team.

Get complimentary access to CFC’s Response App:
When you purchase a CFC Cyber insurance policy arranged by Aon, you’ll receive complimentary access during your cover period to CFC’s bespoke suite of risk management services, delivered through their award-winning app, Response. All you need to do is use your policy details to register

Examples of some of the differences in sub limits between the two offers are shown below:

Disclaimers

<sub>© 2023 Aon Risk Services Australia Limited ABN 17 000 434 720 | AFSL 241141 (Aon)

** Subject to full policy terms, conditions and exclusions.</sub>

_{Occupational Therapy Australia Limited ABN 27 025 075 008 (OTA), act as a referrer of the above listed insurance/s to Aon. Where you purchase this insurance as a result of a referral from OTA to Aon, OTA will receive a fixed fee from Aon’s total remuneration. Please feel free to contact us for further information.}

_{The information contained on this website is general in nature and should not be relied on as advice (personal or otherwise) because your personal needs, objectives and financial situation have not been considered. Before deciding whether a particular product is right for you, please consider your personal circumstances, as well as the relevant Product Disclosure Statement (if applicable), Target Market Determination and full policy terms and conditions available from Aon on request. All representations on this website in relation to the insurance products Aon arranges are subject to full terms and conditions of the relevant policy. Please contact Aon if you have any queries.}

What is Personal Accident Insurance?

Personal Accident Insurance can help protect individuals in the event of accidental injury or sickness that results in you being unable to work. Cover can be applied to meet your individual needs and can include weekly benefits, capital benefits and optional weekly business expenses cover to support you if you are injured or sick and are unable to work.¹

Why do I need to consider Personal Accident Insurance?

Protecting your financial position, should you injure yourself or become sick is very important to maintaining your lifestyle and protecting your family. With a personal accident insurance policy, you may be able to receive payments in the event you are not able to continue earning your regular income due to accidental injury or sickness.¹

To get a quote or find out more, CLICK HERE.

Disclaimers

^{1 Subject to the full policy terms and conditions, including any applicable exclusions.}

^{Personal Accident and Sickness Insurance is arranged by Aon as agent for the insurer, AFA Pty Ltd (ABN 83 067 084 333) AFSL no. 247122 (AFA), who act on behalf of Zurich Australia Insurance Limited (ZAIL), ABN 13 000 296 640, AFSL 232507. If you purchase this insurance Aon will receive a commission that is a percentage of the premium. Please let us know if you would like any further information.}

^{© 2024 Aon Risk Services Australia Limited ABN 17 000 434 720 AFSL no. 241141 (Aon)}

^{This information contained on this website is general in nature and should not be relied on as advice (personal or otherwise) because your personal needs, objectives and financial situation have not been considered. Before deciding whether a particular product is right for you, please consider your personal circumstances, as well as any applicable Product Disclosure Statement, Target Market Determination and full policy terms and conditions, available from Aon on request. All representations on this website in relation to the insurance products we arrange are subject to the full terms and conditions of the relevant policy.}

^{Please also note that the Occupational Therapy Australia Limited ABN 27 025 075 008 (OTA), act as a referrer of the above listed insurance/s to Aon. Where you purchase this insurance as a result of a referral from OTA to Aon, OTA will receive a fixed fee from Aon’s total remuneration. Please feel free to contact us for further information.}

Here are helpful Aon videos that will give you insurance information.

Housekeeping your insurance

This involves checking coverage amounts, updating personal information, removing outdated beneficiaries, and ensuring you're not overpaying for unnecessary coverage.

Professional Indemnity a claims made policy

This type of coverage is crucial for professionals, such as occupational therapists, as it protects them against legal claims arising from errors, omissions, or negligence in their professional services.

Understanding the purpose and intention of certain business policies

Business policies are designed to guide operations, manage risks, and maintain compliance with laws and regulations. They provide structure, define acceptable behaviors, and outline procedures to protect the company, employees, and stakeholders.

Contact us today for a quote

t 1800 805 191  Mon to Fri 8:30am – 5:00pm AET
e au.ot@aon.com

Access the Aon online platform here GET A QUOTE HERE to obtain a quotation and arrange a policy.
 

Disclaimers

_{1    The 15 months cover for the price of 12 months offer is available when an OTA Member purchases a Combined Professional Indemnity, Product Liability and Public Liability Insurance for Health Professionals through Aon for the first time. Aon reserves the right to cancel this offer at any time. Terms and eligibility conditions apply. Call 1800 805 191 for more details.}

_{2   Subject to full policy terms, conditions and exclusions.}

_{The information contained in this communication is general in nature and should not be relied on as advice (personal or otherwise) because your personal needs, objectives and financial situation have not been considered. Before deciding whether a particular product is right for you, please consider your personal circumstances and the full policy terms and conditions available from Aon on request. All representations in this communication in relation to the insurance products Aon arranges are subject to full terms and conditions of the relevant policy. Please seek independent professional advice if needed. This communication is current as at the date of publication and subject to any qualifications expressed. Please contact Aon if you have any queries.}

_{Occupational Therapy Australia Limited ABN 27 025 075 008 (OTA), act as a referrer of the above listed insurance/s to Aon. Where you purchase this insurance as a result of a referral from OTA to Aon, OTA will receive a fixed fee from Aon’s total remuneration. Please feel free to contact us for further information.}