Professional Indemnity Insurance


All accredited professionals are required to have appropriate professional indemnity insurance in place.

The Professional Indemnity Insurance Policy outlines information on how to ensure appropriate coverage.

FAQs

What is Professional Indemnity Insurance (PII)?

Professional indemnity insurance protects you as the professional against claims of negligence made against you by a client. It covers the costs and expenses of defending a legal claim, as well as any damages payable.

What does Professional Indemnity Insurance cover?

Professional indemnity insurance protects you as the professional against claims of negligence made against you by a client. It covers the costs and expenses of defending a legal claim, as well as any damages payable.

Professional Indemnity Insurance typically covers the following:
  • Breach of duty
  • Alleged negligence
  • Error or omission in practice

Professional Indemnity Insurance typically does not cover:
  • Illegal acts
  • Public Liability claims
  • Criminal Prosecution

It is important that the ESSA professional consults with their Insurer or employer to determine what is covered under their insurance policy.

What indemnity level do I need?

ESSA cannot give advice regarding the specific level of cover that you need. When making your decision, you should consider the amount of time you are working (part time or full time), the setting in which you work (private or public), the client groups you see and if the organisation or setting you are providing services to requires you to have a specific level of indemnity cover.

Guild Insurance has advised ESSA that the majority of members insured with Guild usually settle on a limit of $5 million professional indemnity and $10 million public liability. However, it is important you choose a limit that satisfies your particular needs. For additional individual advice, you will need to talk with your business or insurance advisor.

I work part-time, do I still need PI Insurance?

Yes. You still need insurance for any part-time work. Some insurers, including Guild, offer part-time insurance.

What is the difference between Professional Indemnity and Public Liability?

Professional indemnity insurance protects you as the professional against claims of negligence made against you by a client in a professional capacity.

Public Liability protects you for your civil liability in respect of any claims for Bodily Injury, Property Damage or Advertising Liability as a result of an Occurrence in connection with your business.

If I am not working with clients do, I need to have Professional Indemnity Insurance?

All ESSA accredited professionals need to ensure they have appropriate Professional Indemnity Insurance for any practice undertaken.

Even if you are not working with clients directly, you will still need insurance to cover any practice where you are using the knowledge and skills of an exercise and sports science professional. This insurance may be held personally or through an employer.

I volunteer at a local sports club/ community centre, do I still need to have Professional Indemnity Insurance?

Professional Indemnity Insurance is designed to protect both you and the users of your services. It is important to have Professional Indemnity Insurance that covers all activities you perform as an exercise and sports science professional, including volunteering. If the organisation does not have professional indemnity that covers you, you will need to ensure you have personal PII insurance.

What type of insurance evidence do I need for my ESSA accreditation?

If you have your own insurance, you need to keep a copy of your certificate of currency. If you are covered by a third-party (such as your employer) you will need written confirmation by your employer that you are covered, such as a certificate of currency or a letter from the employer.

I am a student; do I need Insurance?

If completing placement through your university, the university will cover you.

If you wish to undertake additional work experience, yes. Either personally or through a third party e.g. your employer.

ESSA student members (who have not yet completed their undergraduate or post graduate degree) have access to the FREE student master insurance policy with Guild Insurance.

This means they can work and be insured but must be:
  • supervised either directly or indirectly, and
  • the supervisor must be appropriately qualified.

If the student can’t meet these conditions, they will need to seek other insurance options outside the free ESSA student insurance policy. For more information about the student master insurance policy and to sign up, students can go here.

When do I need to talk to my insurer?

You should talk to your insurer any time your practice situation changes.

As part of most policies, you are obligated to advise your insurer of any circumstances or incidents that may give rise to a claim. This is mainly done at the time of the incident or during the renewal process, e.g. If a client makes a complaint against you, or you think they might, you should contact your insurer for advice.

For more information about Guild Insurance please go to guildinsurance.com.au or call 1800 810 213 to discuss your needs.


Updated August 2021