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Primary Healthcare Nurse Insurance

What is Professional Indemnity Insurance?

Professional Indemnity Insurance is insurance that is specifically designed to protect anyone who provides advice to a third party and in return are paid for that advice. Some insurance policies have been specifically designed for certain occupations in order to ensure that they cover the specific risks and exposures relative to that occupation, including any breaches of specific Acts or Laws governing that occupation. For example:

The cover provided by a Professional Indemnity Insurance policy will be encompassed within the Insuring Clause contained in the relevant Insurers policy wording. An example of a typical Insuring clause is as follows:

The Insurer agrees to indemnify the Insured against civil liability for compensation arising from any claim first made against the Insured during the period of cover and notified to the Insurer during the period of cover as a result of a breach of professional duty in the conduct of the Insured\'s profession.

Professional Indemnity Insurance Policies are "Claims Made" policies

Insurance policies either operate on an "Occurrence" or "Claims Made" basis. If a policy is on an Occurrence basis it means that irrespective of when the claim was discovered or notified, a policy will only respond if the incident occurred within the policy period. A "Claims Made" policy however will only respond to claims that were made in the policy period, irrespective of when the incident leading to the claim occurred.

As the Insuring clause above implies, Professional Indemnity Insurance policies are typically "Claims Made" policies, so provided the Insured was not aware of the claim at the time they took out the policy, if a claim is made during the policy period the policy will respond.

What are the key elements of a Professional Indemnity Insurance Policy?

Professional Indemnity Insurance Policy Limit

The policy limit is the maximum amount that the insurer will pay in relation to any one Professional Indemnity Insurance claim during the policy period.

In many cases this will also be the maximum amount the Insurer will pay in total during the policy period.

For example, the limit may be expressed as "$1,000,000 any one claim and $1,000,000 in the Aggregate during the policy period"


Some policies provide a higher aggregate limit so that if the Limit is totally used up during the period it will be reinstated once or a number of times. In the above example if the policy provided say 1 Reinstatement, the Limit would be expressed as "$1,000,000 any one claim and $2,000,000 in the Aggregate during the policy period"

"Costs Exclusive" or "Costs in Addition" v "Costs Inclusive" Policy Limits

All Professional Indemnity policies cover both costs associated with defending a claim (e.g. Legal Costs) and any civil damages that are paid as a result of a claim.

If a Professional Indemnity policy limit is defined as "Costs Exclusive" or "Costs in Addition" then any costs incurred in defending a Professional Indemnity claim will be paid in addition to the policy limit, whereas if "Cost Inclusive" then costs form part of the policy limit.

For example, say an insured had a $1,000,000 Policy Limit any one claim and a successful claim was made against them and accepted by the Insurer totalling $1,500,000, comprising $1,000,000 damages and $500,000 costs incurred in defending the claim.

If the Limit was Costs Exclusive the amount paid by the insurer would be the full $1.5M, whereas if the Limit was Cost Inclusive then the Insurer would only pay up to the Limit or $1M.

Therefore a policy with a Limit which is "Costs Exclusive" or "Costs in Addition" provides greater cover.

Professional Indemnity Insurance Policy Excesses

The excess or deductible under a Professional Indemnity policy is no different to that under any other policy, being the amount the insured will contribute to each and every claim.

Using the example above if the excess was $10,000 then the amount the insurer will pay will be reduced by this amount. Generally the higher the excess the lower the premium as the Insured is carrying more of the risk.

Like Limits excesses can also be either Costs Exclusive or Inclusive. If Costs Exclusive then the excess does not apply to costs, only damages, and vice-versa if Costs Inclusive.

Other Professional Indemnity Policy Extensions

These will differ from policy to policy however some examples include cover for:

  • Breaches of Trade Practices Act & Other Legislation
  • Loss of or Damage to Documents
  • Dishonesty of Employees
  • Present or Former Principals, Employees & Others
  • Defamation, Libel & Slander
  • Infringement of Copyright or Patents
  • Enquiry Costs
  • Joint Venture / Consortium - Own Liability
  • Continuous Coverage
  • Appointed Sub-Consultants
  • Newly Created or Acquired Subsidiaries
  • Run-Off Cover to end of Policy Period
  • Severability
  • Estates and Legal Representatives
  • Fidelity

Who Needs Professional Indemnity Insurance?

Professional Indemnity Insurance is recommended for anyone who provides advice as part of their business or profession, as anyone can make a mistake no matter how experienced they are or how much expertise they have.

In many cases it is compulsory under law to have a minimum level of Professional Indemnity insurance and in these cases professionals cannot maintain their accreditation/s without it. For example Accountants and Lawyers are required to have PI Insurance, and from 1 July 2011 Tax & Bas Agents were also required to have a policy in place in order to renew their Tax Registration.

It is increasingly common for consultants and contractors to maintain Professional Indemnity cover in order to respond to tenders, and this is particularly the case in order to participate in any government run project tenders.

In the case of IT professionals, they often require both Professional Indemnity Insurance and Public Liability insurance particularly if they are developing software or applications that are ultimately going to be used by members of the public.

Professional Indemnity Insurance Premium Pricing

Insurers generally set Professional Indemnity rates based on type of occupation. The rate is then applied to the Insured\'s turnover in order to work out a Base Premium. To this GST is added and then Stamp Duty is applied depending on the State/s the Insured operates in. Insurance brokers like express generally earn a commission from the Insurer which is part of the Base Premium. This generally ranges from 15% to 22.5%. Brokers may also charge a policy administration fee covering their general office overhead costs associated with the calculation, preparation and production of tax invoices and supporting documentation, insurer premium and statutory charges collection, and settlement to underwriters and relevant authorities. In the event your insurance is cancelled this fee is generally non-refundable.

Professional Indemnity Insurance Insurers

There are a number of APRA approved insurers that offer Professional Indemnity Insurance cover, and each tends to have preferred occupations that they like to write. This is however variable and depends on the number of claims that they have across their portfolio relative to each occupation. In addition to the Australian based insurers there are a number of Underwriting Agencies many of whom are agents of one of more Lloyds of London syndicates. As Lloyds is APRA approved so are the agencies that are acting on their behalf.


Primary Healthcare Nurse Insurance

Express Insurance Secondary Background

Nurses are professionals trained to care for people suffering from illness, injury, medical conditions or people in need.

Why do Nurses require Professional Indemnity Insurance?

There are many types of Nurses in Australia but the typical work activities include:

  • Assisting in first aid and emergency situations.
  • Assessment and management of patients.
  • Medication administration.
  • Observing, taking and recording patient vitals.
  • Assisting doctors, other nurses or other health care providers.
  • Supervising other nurses.

Any false advice or mistake whilst providing treatment could lead to a lawsuit and claim by patient against the nurse. Professional Indemnity insurance (PI Insurance) provides essential financial protection for Nurses by covering legal defence costs and damages payable in the event of a claim by a patient.

Public Liability Insurance for Nurses

If you or any of your employees visit a customers premises your actions could cause an injury to another person. Similarly, if an accident happens whilst a member of the public comes to your place of business and they are injured you could be held liable. Public Liability Insurance protects you in the event that such accidents occur and a claim is subsequently made against you.

Public liability insurance also covers you if damage is caused to third party property while at the customers business. An example would be if an employee broke a valuable item while making a delivery at a customer's home. The claim to replace the item would be covered by public liability insurance.

Key exposures for Nurses:

  • Negligence in patient care
  • Failure to provide correct care
  • Wrong treatment given to a patient
  • Mistakes in reporting patient details

Why purchase your Professional Indemnity Insurance through Express Insurance?

With Express Insurance, you can source a PI quote in seconds, and have the option of adding Public Liability Insurance. You can then proceed to buy the insurance and produce your Certificate of Insurance in minutes, or alternatively save the quote back to your email account for buying later.

And we save your details on Renewal of your insurance, making the process of renewing your PI Insurance even easier and quicker.

Throughout your experience with us our team of highly experienced PI specialists are a phone call away!

Please Note: Coverage under the policy will be subject to the particular circumstances relating to a claim and the full terms and conditions of the policy.

Policy Features


PI premiums are determined by your Turnover and PL Premiums by the number of staff under your employ. All insurers charge a minimum premium in both respects.

We believe we have negotiated highly competitive premiums for both classes of insurance, and will continue to monitor premium levels available in the market to ensure this remains the case.


From a compliance perspective and for your own protection you should have a minimum level of Professional Indemnity(PI) insurance. In the event that the services you provide for a client lead to a claim against that client they will generally look at claiming against the provider. PI insurance will protect you in the event that this occurs.

Nurses are professionals trained to care for people suffering from illness, injury, medical conditions or people in need.


We have designed the Insurance application process so it only takes an average of 5 minutes to complete your application. In most cases your application will be instantly approved online, and you can print your Confirmation of Insurance to prove that you have the requisite cover in place... It's that easy!! All other documentation, such as your tax invoice, policy schedule and wording will be emailed directly to you for your records.

If the policy can't be issued immediately because we require further information, we will contact you generally on the same day.


Approximately one month prior to the renewal of your policy you will receive a renewal reminder email with a link that will allow you to review your previous years cover and renew the policy even quicker!

* We have minimized the number of referral situations so that most applications will be automatically accepted. However, if for example you have prior claims we will contact you to facilitate completion of your application personally with the Insurer.


Your Insurance policy is arranged by Express Insurance acting as an agent of Berkley Insurance Australia, a registered business name of Berkley Insurance Company (ABN 53 126 559 706) and part of the W.R.Berkley Corporation.

Berkley Insurance Australia underwrites a significant portfolio of general insurance business in Australia. They are fully authorised and regulated by the Australian Prudential Regulator Authority (APRA) which is the prudential regulator of the Australian financial services industry.

The financial strength rating of Berkley Insurance Australia is "A+ (Strong)" by Standard & Poor's.

Charitable Contribution

For each nursing policy completed online we make a donation to Monash Cystic Fibrosis Foundation.

About Monash Cystic Fibrosis Foundation ( MCFF )

Monash Cystic Fibrosis Foundation assists member organisations to achieve common objectives by developing national education programs and collecting and distributing information about Cystic Fibrosis (CF) at national and international levels.

CF member organisations direct their activities to the provision of high quality health and welfare services to children and young adults with CF and their families.

Monash Cystic Fibrosis Foundation

Lodge a Claim

We will work with you to ensure that claims are handled in a professional manner and that you get a fair outcome from the Insurer. The first step is to lodge your claim as outlined below.

Please complete the claim form and email to australia@wrberkley.com