Make a claim
Popular Searches

We've been helping Australians for 100 years

Learn more

Health and medical business insurance

You can get a $150 Virtual Visa Gift Card^ with a new business insurance policy

Use promo code BUSINESS

Offer ends 28 November 2025. Excludes Motor Trade Insurance. T&Cs apply. Policy must be held for a minimum of 30 days from making the first complete payment.

BUSINESS
Get a quote

What type of Health Services can get Business Insurance?

Whether you’re a dietician, massage therapist or healthcare centre operator, explore a range of covers to help protect your business.

Allied health professionals

If you work as an allied health professional, such as a physiotherapist, chiropractor, psychologist or dietitian.

Other health professionals

If you offer other health services as part of your practice. For example, if you work as an acupuncturist, aromatherapist, beauty therapist or Bowen therapist.

Why might health and medical professionals consider getting Business Insurance?

Health and medical professionals often work closely with the public, offering services and advice to their patients or clients. These responsibilities can put your business at risk of certain things going wrong, such as if:

  • Your important medical equipment is accidentally broken or stolen from your practice
  • You have to temporarily or permanently close your practice because of an accident or disaster.

Professional Indemnity Insurance can protect your business if you provide negligent or mistaken professional advice or services that negatively impact your clients.

You can also add cover for other parts of your business like your equipment, stock, vehicle or business premises when you build your business insurance policy.

Cover options

Here are some of the covers available when you get your Business Insurance. You can mix and match to create a policy with the covers you’re looking for.

Public liability

For compensation claims if your business accidentally causes an injury or property damage and you’re found to be liable for it2.

Property

Covers insured property like buildings, contents or stock, for damage from fire, flood, storms and other covered causes2.

Theft

Covers insured property like business contents and stock from loss or damage due to theft2.

Glass

For certain accidental breakages of items like your shopfront windows, glass shelving and display cabinets2.

Money

Cover for specified business cash, for loss caused by theft or accidental damage2.

Business interruption

Cover for certain loss (as detailed in your PDS), if your business is interrupted by specific types of damage2.

Computer and electronic equipment

Cover for your office's computer systems or electronic equipment, for sudden and unforeseen breakdown or damage from specified events like fire or storm2.

Machinery

Cover for sudden and unforeseen breakdown of your specified business machinery2.

Employee dishonesty

Cover for loss of money or goods caused by employee fraud or dishonesty2.

Portable property

Covers insured property like tools and devices while they're away from your business premises, against specific events like theft from a locked vehicle2.

Tax investigation

For professional costs if investigated or audited by the ATO or a government revenue office about taxes payable by your business2.

Commercial motor

You can insure the vehicles or trailers used in your business, with different levels of cover available2.

Personal accident and illness

This can provide you with a weekly benefit, if you can't do your regular work due to a covered injury or illness2.

See more

Why choose NRMA Business Insurance?

We're flexible

Mix and match our policy cover options and pay your premium by the month at no extra cost 

We mean business

Speak to our Australian-based consultants specialised in business insurance

We're here to help

Contact us by phone, web chat, at a branch or via our claims helpline

Need your certificates or tax invoice?

There are 3 ways to get a copy of your Certificate of Currency, Certificate of Insurance or tax invoice:

  1. Check your email to see if you received your policy documents on the date of purchase.
  2. Log in to your account and read our step-by-step process on how to find your documents online.
  3. If you don’t have an account, chat to us or call us on 132 818.

A Certificate of Currency is proof that you have an active policy.

A Certificate of Insurance shows what your policy covers, the amount covered and the period of cover.

FAQs

Health and Medical Business Insurance FAQs

Read more

What types of Business Insurance might health professionals want to consider?

The most common type of insurance for businesses is Public Liability Insurance. Professional Indemnity Insurance is another type of Business Insurance, which is designed for businesses that offer professional services or advice.

What does Professional Indemnity Insurance cover?

If a claim is made against your business and you’re found liable for causing injury, damage or financial loss to your client, you could face legal fees and damages. Professional Indemnity Insurance is designed to cover these costs and stop them putting pressure on your business’s cash flow.

What's the difference between Public Liability Insurance and Professional Indemnity Insurance

Public Liability Insurance protects you and your business if it’s shown your negligence led to someone being injured or having their property damaged.

Professional Indemnity Insurance protects you in case of damage caused by your negligent or mistaken professional advice or services. For example, if you offer tax advice as part of your accounting practice and the information turns out to be incorrect and negatively impacts your customer.

You can get Public Liability Insurance, Professional Indemnity Insurance, or both when you get a quote.

Get a quote

Where can I find my Business Insurance certificates and documents?

There are 3 ways to get a copy of your Certificate of Currency, Certificate of Insurance or tax invoice:

  1. Check your email to see if you received your policy documents on the date of purchase.
  2. Log in to your account and read our step-by-step process on how to find your documents online.
  3. If you don’t have an account, select the chat button or call us on 132 818.

A Certificate of Currency is proof that you have an active policy.

A Certificate of Insurance shows what your policy covers, the amount covered and the period of cover.

Contact us

Speak to us

Can’t find what you’re looking for? We’re here to help.

Talk to us over the phone or chat to us online.

You can also ask us to contact you about a Business Insurance quote.

Things you should know

^The Virtual Visa Gift Card Offer applies in conjunction with the purchase of a new NRMA Business Insurance, NRMA Professional Indemnity Insurance or NRMA Information and Communications Technology Liability Insurance policy taken out online, over the phone or at a branch between 12:00am AEDT 10 October 2025 and 11:59pm AEDT 28 November 2025. Promo code BUSINESS must be applied to be eligible for this Offer. Policy must be paid for by the policy due date, and cannot be cancelled within 30 days after making the first complete payment. A valid email address must be provided. Virtual Visa Gift Cards can be used in person, online and/or over the phone at retailers that accept the Virtual Visa Gift Card. Offer will not be applied to any renewal of your policy. See the full terms and conditions for the Gift Card Offer.

  1. You can save up to 10% on the ‘base premium’ for the first year when you purchase an eligible new NRMA Business Insurance policy online. The base premium is the premium we have calculated but does not include any government or statutory charges. Any discounts only apply until you reach a minimum premium, so your discount might be limited by the minimum premium (in which case the discount applied may be significantly below the maximum advertised discount). If your base premium is $220 (the minimum base premium for NRMA Business Insurance) you will not receive a discount under this Business Insurance Online Offer. This offer is available on eligible products only, excludes Motor Trade Insurance, Professional Indemnity Insurance, Information and Communications Technology Liability Insurance. The offer may be withdrawn at any time and is subject to its full terms and conditions. When we calculate your premium on renewal, we may limit any increases or decreases in your renewal premium by considering factors like your previous year’s premium. Cover is subject to standard underwriting and policy terms.

  2. Terms, conditions, limits and exclusions apply. See the relevant Product Disclosure Statement for further details.