AMA VICDOC_Spring 2026_09.09.2026 - Flipbook - Page 4
Why Private Practice Doctors
Need Public Liability Insurance
And why your Medical Indemnity
policy isn’t enough
Most practitioners believe Medical Indemnity covers all practice risks.
Matures
In reality, it onlyAvant
covers professional
medical services. Public Liability is
essential for the everyday, non-clinical incidents that occur on your premises.
The Critical Difference
Real-World Scenarios
Medical Indemnity = Clinical Risk:
Claims arising from professional services,
misdiagnosis, or treatment errors.
Medical Indemnity typically provides no
cover for the following:
Public Liability = Operational Risk: Claims
for personal injury or property damage to
third parties (patients, visitors, or suppliers)
unrelated to medical treatment.
Waiting Room Accidents: A patient is
injured when a faulty chair collapses.
Protect Your Practice
Whether you own your practice or lease a
shared room, you may be legally responsible
for these incidents. Without cover, you face
the full financial burden of legal fees and
compensation.
Slips and Falls: A visitor fractures their wrist
on a wet floor.
Non-Patient Injuries: A pharmaceutical rep
trips over loose carpet.
Property Damage: A water leak from your
rooms damages a neighbouring office.
Most practices are required to have a $20M limit
to meet their contractual lease requirements.
Contact us for a review today:
Phone: 1800 262 346
Web: www.amainsurance.com.au
How AMA Insurance Brokers Can Help
We help you align your cover with your practice setup
and highlight any risky gaps between policies.
Disclaimer: The information above is general in nature and may not be relevant
to your individual circumstances. You should refrain from doing anything in
reliance on this information without first obtaining suitable professional advice.
You should obtain and consider the relevant Product Disclosure Statement
(PDS) before making any decision to acquire a product
04
AMACIS Pty Ltd trading as AMA Insurance Brokers ABN 40 064 488 106 AFS License No. 235312
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