Allied Health Combined Liability: Finding the Right Cover for Your SME Clients

Healthcare, fitness and wellness are billion-dollar industries in Australia. As these sectors continue to adapt to and bounce back from COVID-19 lockdowns, they may need insurance protection to shield their small businesses against key industry exposures

The term “allied health” is used to describe a wide variety of health-related occupations (excluding doctors and dentists). This means that professions as varied as nurses, social workers, personal trainers, life coaches, and massage therapists all fall under the Allied Health umbrella.

BizCover for Brokers offers a combined insurance product that suits their needs.

What is Allied Health Combined Liability Insurance?*

Allied Health Combined Liability is a comprehensive packaged product including Professional Liability* and Public Liability* coverage that addresses the unique needs of allied health professionals. The Public Liability portion of these policies can be excluded if it is not required by an SME client.

These policies are convenient for your SME clients, because they offer two forms of essential protection in a single policy.

Combined Cover for Allied Health Professionals

Those working in the healthcare and wellness fields work closely with the general public. This creates a unique combination of risks around giving advice and interacting with customers. By packaging Professional Liability with Public Liability coverage, Allied Health insurance helps you provide your clients with a single policy that can protect their small businesses against their key exposures.

Who is Allied Health insurance for?

Allied Health helps protect a wide range of occupations in the healthcare and wellness industries, such as:

  • Aged & Disability Care
  • Personal Trainers
  • Life Coaches
  • Nurse & Nursing Services
  • Chiropractors
  • Beauticians

Claim **

Let’s see Allied Health in action with a real-world claim scenario from one of our partners:

There was a fire at the Insured’s day spa premises which caused extensive damage to the property. The landlord claimed for costs relating to property damage. The cause of the fire was the spontaneous combustion of towels that had been stacked on shelving shortly after removal from a dryer. The towels were packed whilst hot, and the presence of residue oils in the fabric of the towels contributed to the spontaneous combustion.

The Insured claimed under the policy, and the Insurer paid $65,000 to the Insured.

BizCover for Brokers’ Allied Health Offering

The B4B platform has great Allied Health options for your SME and micro-SME clients, featuring:

  • Cover options from two leading insurers—DUAL and Vero
  • Over 200 Allied Health occupations covered
  • Professional Indemnity limits up to $10 million
  • Public & Products Liability limits up to $20 million
  • Insured turnover up to $5 million


In 2021, BizCover for Brokers quoted 69% submissions received through our platform (Aged or Disabled Care Facilities and Professional Sports clients are not for us). With an average premium of $302 on our books, you might even help your clients save on their next Allied Health policy.

With the B4B platform, you can bind multiple at the same time with a single data entry. That means you can also bind Personal Accident & Illness, Cyber Liability or five other products in minutes. Help your SME clients fully protect their businesses while streamlining your brokerage—it’s a win-win!

Ready to bind your next Allied Health Combined Liability policy? Log in now to get started.


*The information in this article is general only and should not be relied upon as advice. BizCover for Brokers is a registered business name of BizCover Pty Ltd (ABN 68 127 707 975; AFSL 501769).

**The provision of claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Cover for a claim will depend on the specific circumstances around the loss and would be subject to the terms and conditions of the policy concerned.