Practice ManagementInsuranceAHPRA ComplianceRisk ManagementProfessional IndemnityPublic Liability
Why Practitioners Need Liability and Indemnity Insurance
Medically Reviewed by Derek Doran, BHSc (Acupuncture) · AHPRA Registered · AACMA Member · Updated September 17, 2026
September 17, 20267 min readBy Derek Doran
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Frequently Asked Questions
Do I need both public liability and professional indemnity insurance?
Most practitioners need both. Public liability covers accidents in the clinic space or at a patient's home, while professional indemnity covers complaints about clinical advice and treatment. They protect against different risks.
Is professional indemnity insurance required by AHPRA?
Yes. The Chinese Medicine Board of Australia requires AHPRA-registered Chinese medicine practitioners to hold appropriate professional indemnity insurance as a condition of registration.
Am I covered if I work from home or do mobile visits?
Only if your policy specifically says so. Standard home and contents insurance and car insurance usually exclude business activities. Tell your broker exactly where and how you practise.
What is run-off cover and why does it matter?
Run-off cover protects you against claims that arrive after you stop practising, retire, or sell the clinic. Some claims can surface years after the treatment, so this is worth checking before you let a policy lapse.
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Derek Doran, BHSc (Acupuncture)
AHPRA Registered (CMR0002211465) · AACMA Member
Derek is the founder of MediChi and a registered acupuncturist with clinical expertise in integrating Western diagnoses with Traditional Chinese Medicine treatment protocols.
Clinically reviewed: September 17, 2026
