Insurance advice for Tasmanian medical practices.
Medical Practice Insurance Built For Tasmanian Clinics
Protect your practice, equipment, patient data and income with insurance designed around how your clinic actually runs. Local Tasmanian advice, backed by the national McLardy McShane network.
- Local brokers working with practices across Tasmania
- Access to major Australian insurers and specialist medical markets
- We deal with insurers so your practice manager does not have to
Insurance for real Tasmanian practices
General practice clinics
Specialist rooms
Dental practices
Physiotherapy and allied health
Psychology and counselling practices
Radiology and pathology collection
Day procedure and minor surgery
Practices that own their building
Multi site and group practices
Common issues we find when reviewing practice insurance
Many practices are underinsured or sitting on policies set up when the clinic first opened. When something goes wrong, the gaps only show up at claim time. When we review practice programs, some patterns appear again and again.
Medical equipment values out of date
Fit out, diagnostic and treatment equipment insured for values that no longer reflect replacement cost.
No cyber cover for patient records
Practices hold highly sensitive health data, yet many have no cover for a data breach, ransomware or system downtime.
Business interruption set too low
Indemnity periods and sums insured that would not carry the practice through a long rebuild or relocation.
Vaccine and medicine spoilage not covered
Loss of refrigerated stock after a power failure or fridge breakdown excluded or not selected.
Practice and doctor cover confused
Assuming a doctor's personal medical indemnity protects the practice entity, when it usually does not.
Key covers for Tasmanian medical practices
Practice property and fit out
Your building if you own it, plus fit out, furniture, fixtures and general contents.
Public and products liability
Protection if a patient or visitor is injured on your premises or property is damaged.
Medical equipment and breakdown
Diagnostic, treatment and IT equipment, including machinery breakdown and electronic equipment cover.
Refrigerated stock
Vaccines and medicines lost through fridge breakdown or power failure, where cover is available.
Cyber liability
Response costs, data recovery, business interruption and liability after a cyber attack or data breach.
Business interruption
Loss of income and increased costs after an insured event, so the practice can keep paying staff and rent.
Management liability
Cover for the practice and its directors for employment disputes, regulatory investigations and governance claims.
Theft and money
Theft of equipment, drugs and money from the practice, where cover is available.
Professional indemnity for the practice
Cover for the practice entity itself. Individual practitioners' medical indemnity is usually arranged through a medical defence organisation, and we make sure the two work together.
Workers compensation
Mandatory for employees including nurses, reception and admin staff. We help you work out how contracted practitioners are treated.
Cyber: one of the biggest risks for medical practices
Tailored cyber cover
Policies that respond to ransomware, data breaches and system outages, not just third party claims.
Accurate risk profiling
We present your IT, backup and security controls to insurers so you get fair pricing and appropriate cover.
Incident and claims support
Access to incident response specialists and active support from us through the claims process.
Most practices do not have an IT department on call. We make sure you have cover and a response plan in place before something goes wrong, so you can focus on your patients.
Simple three step process for your practice
1
Practice review and fact find
We start with a short call with the practice owner or manager and, where practical, a visit to the clinic. We look at your premises, equipment, staff, IT systems and income so we understand your full risk picture.2
Market approach and options
We go to appropriate insurers and underwriting agencies through the McLardy McShane network. You receive clear options that show sums insured, key inclusions and exclusions, excesses and pricing.3
Ongoing support and claims help
We stay in touch on renewals, changes and claims. When something goes wrong, you call us first. We help lodge and manage the claim and keep you updated.Local relationship, national strength
McLardy McShane Tasmania is your local brokerage partner in Hobart, backed by a national group that places hundreds of millions in premium with Australian insurers each year. That scale helps with market access and pricing, while you still deal with a local broker who understands Tasmanian medical practices.
- Local broker based in Sandy Bay, working with practices across Tasmania
- Access to major Australian insurers and specialist medical markets
- Help with claims and renewals so you are not dealing with call centres
Medical practice insurance FAQs
Usually not. A doctor’s personal medical indemnity, often arranged through a medical defence organisation, covers the individual practitioner. The practice entity, its premises, staff and data need their own cover. We make sure there are no gaps between the two.
Personal medical indemnity is usually arranged directly with a medical defence organisation. We focus on the practice’s business insurance and can work alongside your indemnity provider.
Yes. Cloud systems reduce some risks, but phishing, stolen logins and ransomware still affect cloud based practices, and your privacy and notification obligations still apply.
Yes. In many cases we can act as your broker with your current insurer and improve the structure and service, rather than changing insurers straight away.
We recommend an annual review, and a deeper review after a fit out, equipment upgrade, new site or change in the number of practitioners.
It depends on the arrangement. Practitioners engaged under service agreements may or may not be treated as workers, depending on how the arrangement operates in practice. We help you understand your obligations and make sure employees such as nurses and reception staff are covered.
Usually your current policy schedules, a list of equipment and fit out values, staff numbers and wages, practice turnover and details of your IT and backup arrangements. We can step through this with you on a call.
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McLardy McShane Tasmania
General advice only. Before acting on this information you should consider whether it is appropriate to your objectives, financial situation and needs, and read any relevant Product Disclosure Statement.
