Medical Practice

Medical Practice Insurance is an essential requirement for any medical practice. You need an insurance policy that can be tailored to meet your practice’s requirements and provides for a range of unexpected circumstances, ensuring the future revenue of your business.

Whitbread offer a Professional Services insurance wording which is underwritten by Vero Insurance Limited. Our Medical & Health Care professionals receive additional benefits as detailed in Vero’s exclusive Supplementary Wording such as increased policy limits.

For example; under Section 3 – Money the limit increases to $20,000 for Clothing and Personal effects, whereas the standard wording only provides a limit of $10,000.

The Professional Services policy wording has been designed for Medical & Health Care professionals service providers such as:

General Practitioners
Medical clinics
Day surgeries
Physiotherapists
Dentists
Psychiatrists
Dieticians
Psychoanalyst
Chiropractor
Podiatrist
Medical Centres

Note: The details shown are a summary of the policy wording, limits and conditions. For a full explanation of policy terms and conditions, refer to Product Disclosure Statement AAI Limited ABN 48 005 297 807 trading as Vero Insurance AFSL 230859. PDS V6408 V6 25/05/12A & SPDS V8390 01/10/12A. Please click here to download a copy of the wording and Supplementary PDS.

Covered Features

Property Insurance

Covers the damage to your property at your premises from certain sudden, unexpected or unforeseen occurrences.

Theft

Covers loss of or damage to your property due to theft.

Computer and Electronic Equipment Breakdown

Covers the breakdown of your business’ computers and electronic equipment such as photocopiers and faxes.

Money

Covers your business’ money whilst on your premises, in a safe or strongroom, in transit to or from your premises, or in custody, or the custody of a trusted employee.

Portable and Valuable Items

Covers the loss or damage to portable property such as tools, lap top computers, personal digital assistants throughout Australia and worldwide.

Business Interruption

Covers the loss of income and the additional increased costs of working which results from the interruption of your business caused by events covered under certain sections of the policy.

Legal Liability

Covers the legal liability of your business for personal injury to another person (other than employees) or damage to property owned or controlled by someone else.

Exclusive Wording

An exclusive supplementary wording with increased policy limits.

Preferential Pricing

Exclusive rates offered to Whitbread clients who purchase the Vero Professional Services insurance wording.

FAQ's:

Can I select the sections of the Professional Services policy I need?

Yes, the Professional Services insurance policy can be tailored to meet the needs of your practice. For example, you wouldn’t need to select the Commercial Motor section if your practice doesn’t own any vehicles. This will save you money on your policy.

As a property owner, do I need to have a separate policy to cover the building?

If you own the property where the business operates, the building can be included under this policy.

Are you able to cover property & equipment away from my practice?

Yes you can insure portable and valuable items such as medical bags and mobile phones under the policy anywhere in the world.

Does the policy cover spoilage of refrigerated vaccines?

Yes the Vero Medical Practice policy provides up to $10,000 cover for spoilage of vaccines due to a covered loss.

Do I need to advise Whitbread if we move locations?

Yes, you will need to contact us before moving to the new location so that we can make the necessary alternations to your insurance policy.