Cover · Clinics
Whole-of-clinic cover for the practice you built
When a complaint names the practice and not just a doctor, the clinic entity needs its own protection. Praxis Practice insures the business itself — entity professional indemnity, public liability for your premises, vicarious liability for your team, and cyber & privacy breach cover built in as standard — then bundles every practitioner’s individual cover under one renewal.
Cyber is built in — not bolted on
What the policy insures
Cover written for the entity, not the individual
A practitioner’s policy protects the doctor. The clinic carries its own, separate exposures — and a single incident can trigger both. Praxis Practice insures the business layer in its own right, across four cover lines that an individual policy is not designed to reach.
Entity professional indemnity
Cover for the practice business itself when the clinic — not just a doctor — is named as a defendant. Modern claims increasingly target the entity for systemic failures rather than a single clinician’s judgement: a results-management system that let an abnormal pathology report slip through, a recall register that wasn’t actioned, telehealth delivered in the clinic’s name, a privacy breach, or a defamation arising from the practice’s own communications. The doctor’s personal policy doesn’t answer when the allegation is against the business.
Public liability for your premises
Third-party injury or property damage at your rooms — the visitor who slips in the waiting room, the contractor hurt on site, the child injured on the play mat, damage you cause to a leased fit-out. This is occupier’s and general liability for the physical place you run, the layer an individual practitioner policy is never designed to reach because it follows the doctor, not the building.
Cyber & privacy breach cover
First-party breach response and third-party privacy liability when your clinical or practice systems are compromised: forensic investigation, legal advice, patient notification, credit and identity monitoring, ransom and extortion costs, business-interruption loss while you’re locked out, and your liability to patients and regulators for the exposure of health information. Included as standard, not referred to a third party or sold as an afterthought.
Vicarious liability for your team
The clinic’s liability for the acts and omissions of the people who work under its name — employed and contracted nurses, allied-health practitioners, receptionists, practice managers and administrative staff — acting within the scope of their work for the practice. When a patient sues the clinic for something a staff member did, the entity policy responds, rather than leaving the business to fund its own defence.
Why a clinic also carries management exposure
Running a practice is running a business, and businesses attract claims that have nothing to do with clinical care: an employment dispute with a departing registrar, a discrimination or bullying complaint, an alleged breach of director’s duties, a workplace-safety investigation, a tax or regulatory inquiry into the entity. These management-liability exposures sit alongside professional indemnity rather than inside it.
How Praxis treats it
Praxis Practice is built around the clinical and cyber exposures a medical practice faces every day, and we’re candid about the edges: broad management-liability cover (employment practices, statutory liability, directors’ and officers’ cover) is a distinct class of insurance. We’ll map what your entity policy covers, flag where a separate management-liability policy is the right tool, and make sure nothing important falls in the gap between the two.
What ‘cyber as standard’ actually pays for
A modern clinic is a software business that happens to deliver healthcare. Three of the most common ways that bites — and what the built-in cover does when it does.
Ransomware locks the practice
Staff arrive to find the clinical software encrypted and a ransom demand on screen — no appointments, no records, no scripts. Cyber cover funds the forensic team that contains and investigates the attack, the specialists who restore systems from backups, the legal advice on whether and how to respond, and the business-interruption loss for the days you can’t bill. The advisory-only cyber bundled with most indemnity policies does none of this.
A patient-data breach
An emailed referral goes to the wrong recipient, a laptop is stolen, or an attacker exfiltrates the patient database. Health information is among the most sensitive personal data there is. Cover meets the cost of the privacy-law assessment, notifying affected patients, standing up a response line, offering monitoring, and your liability to patients and the regulator — the response obligations that arrive within days, not months.
A system outage on a normal Tuesday
A cloud outage or a failed update takes your booking and records platform down mid-clinic. Even without a malicious actor, the interruption costs real money in lost sessions and overtime to catch up. The business-interruption element of cyber cover responds to the lost income and reasonable extra costs of getting the practice running again.
Health information is among the most sensitive personal data there is, and the obligation to respond to a breach arrives in days, not months. Built-in cover means the response starts on day one — not after a coverage argument with a third-party insurer.
Who it’s for
Built for practices that have outgrown a single policy
If more than one healthcare professional works where you practise, a practitioner-only policy usually won’t reach the entity’s own liabilities. These are the practice shapes where clinic cover earns its place.
Group GP & family practices
Several GPs, practice nurses and reception staff under one roof, one ABN and one set of clinical systems. The entity carries the recall registers, the results-management workflow and the patient database — so the entity needs cover when those systems are what fails.
Day procedure & specialist clinics
Day surgeries, endoscopy suites, dermatology and ophthalmology rooms running procedural lists. Higher patient throughput, more equipment and an on-site environment mean meaningful public-liability and entity exposure on top of each proceduralist’s own indemnity.
Multi-disciplinary & allied health
Practices blending medical, nursing, physiotherapy, psychology and other allied-health providers. With several professions sharing records and referrals, the clinic is the common thread a claimant names — and the vicarious-liability layer is exactly what answers.
Telehealth-enabled practices
Clinics delivering phone and video consults, asynchronous care and remote monitoring under the practice brand. Telehealth provided in the clinic’s name, and the systems that route and store it, are an entity exposure as much as a clinician one.
How it compares
What a clinic-first policy looks like
Most medical-indemnity providers lead with the individual doctor and treat the practice entity as a complement. Praxis Practice is built entity-first — the clinic is the customer, and the team are the insureds.
| Feature | Praxis Practice | Typical incumbent approach |
|---|---|---|
| Cyber & privacy breach cover | Included as standard ($1m) | Advisory-only, or excluded from the policy |
| Entity professional indemnity | Yes — up to $20m for the practice entity | Yes (often a secondary add-on) |
| Public liability for premises | Up to $20m, built in | Sometimes a separate product |
| Per-practitioner bundling | Individual indemnity bundled at a discount | Priced separately, doctor by doctor |
| Practice-manager portal | Dashboard, renewals & risk reviews in one place | PDF forms and phone-assisted servicing |
| Vicarious liability for staff | Employed & contracted team built in | Variable — check the wording |
Comparison reflects general market patterns and is indicative — it is not a representation about any named provider’s current product.
Bundle every practitioner at a discount
Add each doctor’s individual indemnity to the practice policy and the per-practitioner premium drops. Each clinician keeps their own rating — category, billings and working pattern — so nobody overpays, but the whole team renews on one date, on one invoice, instead of chasing a dozen policies with a dozen anniversaries.
- Per-practitioner indemnity bundled at a discount
- Each doctor still rated on their own work, not a flat rate
- Single renewal date across the whole team
- New starters and locums added mid-term, pro-rata
- Transparent monthly direct debit, no penalty fine print
Run cover like a system, not a filing cabinet
A dedicated portal for the person who actually administers the practice — see who’s covered, add and offboard staff, download certificates and book a risk review without a phone queue. The administrative work of cover, made self-serve.
- Live view of every insured practitioner & staff member
- Self-serve certificates of currency on demand
- Add starters & offboard leavers in minutes
- Scheduled risk reviews & medico-legal education
- One renewal date, one consolidated invoice
- Claims & incident logging with audit trail
A worked example
What a six-doctor group practice looks like
Take a metro-Victorian group practice with six full-time, non-procedural GPs billing in the $250k–$500k band, clean history, risk-education program completed, on the Praxis Practice tier at a $20m entity limit. Here’s how the entity premium assembles, with the per-practitioner bundling discount already applied.
| Risk-rated base (6 practitioners, bundled) | $17,350 |
| + ROCS support payment (~5%) | $868 |
| + GST (10%) | $1,822 |
| + Stamp duty (VIC) | $2,004 |
| Estimated annual total | $22,043 |
| or by monthly direct debit | $1,910/mo |
Why this is only a starting point
Per-practitioner bundling is reflected in the base above. See the full pricing breakdown →
Clinic FAQ
The questions practice owners ask
Straight answers on why the entity needs its own cover, how cyber and vicarious liability work, what bundling does to your premium, and where management liability fits.
Why does the clinic need its own cover if every doctor is already insured?+
Because a practitioner’s policy protects the doctor, not the business. When a claim is framed against the entity — a system or recall failure, a privacy breach, an injury on the premises, the act of an employed staff member — there is no individual whose policy answers. The clinic is a separate legal person with its own liabilities, and a single incident can trigger both the doctor’s and the entity’s exposure at once.
What counts as a ‘practice entity’ for this cover?+
The business that runs the practice — typically a company or trust that holds the lease, employs the staff, owns the clinical systems and bills under the practice name. If more than one healthcare professional works where you practise, or no single doctor meets the ‘sole practitioner’ test, you almost certainly have an entity exposure that a practitioner-only policy won’t reach.
Is the cyber cover really included, or is it an advisory service?+
It’s real first-party and third-party cover, written into the policy with a limit — up to $1m of breach response, business interruption and privacy liability. That matters because several established indemnity policies treat cyber as advice-only, and some wordings actively exclude cyber loss from their privacy and document cover. For a connected clinic running cloud records, online bookings and e-scripts, that exclusion is exactly where the gap bites.
How does bundling each practitioner’s indemnity work?+
Each doctor’s individual claims-made indemnity is added to the practice policy and rated on their own category, billings and working pattern — but at a bundled per-practitioner discount, on a single renewal date and one invoice. Instead of chasing a dozen policies with a dozen anniversaries, the practice owner manages the whole team from one place, and new starters or locums are added pro-rata mid-term.
What is the practice-manager portal?+
A dedicated dashboard for whoever actually administers the practice. It shows a live view of everyone covered, lets you add and offboard staff, download certificates of currency on demand, log incidents, book a risk review and handle renewal — without a phone queue or a stack of PDF forms. It’s how you run cover as a system rather than a filing cabinet.
Does the entity cover include management or employment liability?+
Praxis Practice covers the clinical, premises, cyber and vicarious-liability exposures of running a medical practice. Broad management liability — employment-practices disputes, directors’ and officers’ cover, statutory liability — is a distinct class of insurance. We’ll tell you plainly what the entity policy covers and where a separate management-liability policy is the right tool, so nothing falls in the gap between the two.
Can solo and part-time doctors in the practice still be covered?+
Yes. Bundled practitioners keep their own individual rating, so a part-timer or a new-to-practice registrar in the group is charged on the work they actually do, not as a full-time proceduralist. The entity cover sits over the top for the business’s own liabilities, and each clinician’s personal cover follows them.
How is a practice premium worked out?+
The entity premium is built from the same transparent stack as an individual policy — a risk-rated base reflecting the practice profile and the number of bundled practitioners, then the ROCS support payment, GST and your state’s stamp duty, with the per-practitioner bundling discount applied. Every layer is shown on the quote. The figure is an estimate, confirmed on application once your team and systems are assessed.
Cover your whole clinic in one place
Build a practice quote, or talk to the team about bundling your practitioners and setting up the practice-manager portal.