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Medical Clinics & Health Professionals

Medical practitioners and clinics are key to improving the health of our nation. Whilst you provide this invaluable service to society, it is also vital you look after the health of your own business.

Whitbread specialise in composing insurance and risk solutions for medical professionals, insulating you from risk, and empowering you to build a brighter future for your business.

Regardless of the unwavering commitment you have to providing excellent care, claims against medical establishments have become commonplace in today’s increasingly litigious society. 

Medical practice Insurance is designed to protect your clinic against a variety of exposures that if left unmanaged, could put at risk the future of your business.

We have worked closely with insurers to deliver a superior product designed specifically for your needs. Substantial policy limits and broad policy wording will ensure that you have access to the best products available to protect your assets.

Five essential insurance solutions for Medical practices:

1. Business Insurance for Medical practices

Business Insurance will provide you with protection for damage to your property, loss of income, public liability claims, theft, electronic equipment breakdown, machinery breakdown, portable items and valuables such as mobile phones, laptops and specialist medical equipment.

2. Medical Indemnity Insurance

Medical Indemnity Insurance covers your practice for damages, claimant’s costs and expenses, as well as legal defence costs for claims made against the clinic. Additionally, it provides cover for the non-medical employees of the clinic who are not legally required to take out their own indemnity policy e.g. receptionists, practice managers.

As well as Medical Indemnity Insurance for your clinic, Whitbread can take care of Medical Indemnity Insurance for individual practitioners. Our specialist medical insurance advisers provide advice and solutions to help create a secure professional and financial future.

3. Management Liability Insurance

In today’s business world, legal action against companies and individuals is on the increase. The day to day events of wrongful termination and OH&S fines and penalties that are increasingly affecting businesses of all sizes. Without adequate protection from a Management Liability policy, you could quickly lose not only your business but also your personal assets.

4. Medical Legal Expenses Insurance

As a Medical Practitioner, you are open to a world of legal issues beyond medical indemnity. Medical Legal Expenses Insurance offers you specialised protection from a range of expenses specific to your business. E.g. employee disputes, disputes with hospitals / nursing homes, and witness practice expenses among many others.

5. Cyber Liability Insurance

As a business in the medical industry you likely use and store highly sensitive and confidential client information which makes you an attractive target for cyber criminals. Cyber Liability Insurance can protect your business from the extensive consequences associated with a breach. It includes cover for legal representation and for professional consultants who assist in repairing the damage to your reputation. It also includes financial compensation, including significant fines and penalties imposed by ASIC.

Whitbread develop insurance and risk solutions for clinics of all sizes, taking the care to work in partnership with you to understand the specific workings of your practice.

We believe our role involves more than simply providing insurance products – we seek to educate you, share our knowledge and expertise helping you make better decisions for your future.

In particular we cater for:

  • General practitioners
  • Medical clinics
  • Dentists
  • Medical Centre
  • Naturopaths
  • Physiotherapists
  • Day Surgeries
  • Psychiatrists
  • Podiatrists
  • Chiropractor
  • Psychoanalyst
  • Dieticians
  • Medical Imaging
  • Pathology
  • Ophthalmologists
  • Specialists

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Having a clear process to follow will help ensure you achieve the best possible outcome in what is a highly stressful situation, where decision making can be clouded.


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