Medical Malpractice HCPP

Healthcare Practice Protection

Berkley Insurance Australia’s Healthcare Practice Protection Policy will protect healthcare establishments and professionals against claims for compensation (including the claimant’s legal costs and expenses) arising out the provision of their Healthcare Services.


Berkley Insurance Australia
An APRA regulated insurance company


$20m for PI

Minimum Premium

$600.00 (or less if appropriate) plus taxes and charges (for individuals)

$900.00 (or less if appropriate) plus taxes and charges (for entities

Coverage Summary

  • Civil liability and Defence Costs Insuring Clauses

  •  Broad definition of Insured which includes past and present principals, partners, directors, employees, students, volunteers, committee members and council members.

  •  Breaches of consumer legislation

  • Costs of replacing or restoring lost or damaged documents owned by the Insured or for which they are responsible.

  •  Dishonesty of Insured Persons

  • Fiduciary duty

  • Defamation

  • Infringement of copyright or patents

  • Automatic 28 day coverage for subsidiaries acquired or created during the policy period

  • Fines & Penalties

  • Sub-Consultants

  • Contractual Liability

  •  Joint Venture Liability

  •  Costs incurred in the preparation of a claim covered under the policy

  • Court attendance costs where a principal, partner, director or employee is required to attend court

  •   Costs of retaining a public relations consultant to design and implement a publicity campaign to prevent or mitigate damage to the Insured’s reputation as a result of a claim.

  •  Mitigation Costs

  •  Emergency Defence Costs

  • Representation costs for regulatory inquiries, disciplinary proceedings or other proceedings.

  •  Access to our medical malpractice legal panel for verbal advice in relation to matters potentially covered under the policy

  •  Continuous Coverage

  • 60 day Extended Reporting Period

  •  Run-Off Cover

  • Severability

  •  Estates & Legal Representatives

  • Your civil liability arising out of a breach of professional duty by any Medical Practitioners for whose acts you are legally liable.

  •  Emergency First Aid

  •  Medicare and Medical Fund Fraud

  •  Privacy Complaints and Claims


Preferred Risks  

  •  Registered Health Practitioners
  • Allied Health Risks
  • Hospitals
  • Day Surgeries and Medical Centres
  • Pathology and Radiology Clinics & Laboratories
  • Aged Care Facilities


Decline List

  • Public/Government Hospitals
  •  Private Hospitals providing Accident & Emergency or Intensive Care Unit Services
  •  Independent blood banks
  •  Clinical Trials
  • Abortion Clinics
  • Registered Medical Practitioners
  •  Euthanasia Clinics
  • Chiropractors
  • Any risk where the Proposer’s headquarters are domiciled in the USA


Other Products

  • Association Liability
  •  Directors’ and Officers’ Liability
  • Management Liability
  •  Public and Products Liability


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