Professional Indemnity Protection

• Professional Indemnity and Public Liability protection is provided by a discretionary mutual deed through Red Union Workers' Mutual Limited. It is not a contract of insurance, and you do not hold an insurance policy.
• Protection is granted subject to the Constitution, Rules and Protection Wording of the Mutual. The Board decides whether to grant protection and how much to pay, in good faith. You have an automatic right to have a claim considered by the Board, not an automatic right to be paid.
• Work Journey Cover is different. It is genuine insurance for work-related commuting, arranged through our broker with AIG Australia Limited as the insurer.

Read the full disclosure in the Red Union User Agreement.

You must be:

• a financial member or a financial affiliate member, and maintain that status while you are working;
• a non-working member or affiliate who is registered with NPAA in that capacity;
• a student registered with NPAA (covered for the entire period of your studies, including clinical placements); or
• an Honorary Life Member of NPAA.

You must also work as an employee in one of the roles listed in the next question.

• Registered nurses, enrolled nurses, nurse practitioners and midwives.
• Ancillary and related services: care workers, assistants in nursing, dental nurses, orderlies and administrators.
• Paramedics, ambulance officers and pharmacists.
• Allied health: physiotherapists, podiatrists and psychologists.
• Alternative and natural therapies: acupuncture, aromatherapy, naturopathy, massage and reflexology.
• Training, education and voluntary work in these services.

• Doctors. Medical practitioners are not in the eligible class, even if they belong to an association such as AMPS.
• Anyone who is not an employee. If you work as an independent contractor you are not covered for that work. If you are an employee for part of your week, you are covered only for the employed part.
• Anyone working in the USA or Canada.
• Radiographers and sonographers.

• Civil liability for loss arising from an actual or alleged negligent act, error or omission when you provide your professional service.
• Representation if you are summoned to give evidence before a coronial inquest.
• Unintentional defamation arising from your professional service, including allegations of inappropriate cultural safety practice.
• Good Samaritan acts, where you voluntarily provide life-saving or life-extending services at the scene of a medical emergency or while doing voluntary community service.
• Legal representation at an AHPRA or National Board hearing, where the Mutual has agreed in writing first.
• Public Liability, to $10 million, for claims from members of the public arising from your work.

• Criminal offences, and the defence of criminal charges. Also claims arising from deliberate, reckless, dishonest, fraudulent or malicious acts.
• Any allegation of abuse, harassment or conduct of a sexual or physically violent nature, including the cost of responding to it, whether or not it is proven.
• Telehealth and virtual consultations.
• Cyber loss and data breaches.
• Workplace, unfair dismissal, discrimination and enterprise bargaining matters. NPAA support covers these, not the Mutual.
• Claims where you are entitled to cover from your employer or another valid arrangement. Protection responds only above it.
• Nutraceutical and aesthetic products and services, as listed in the Protection Wording.
• Claims from anyone who is not financial, unless you registered with NPAA as having ceased practice. In that case cover continues for another 84 months (seven years). Non-working members who remain registered are still covered.

No. No member or affiliate pays any excess on a claim. The Mutual funds the first $1,000,000 of every claim from its own assets.

The Mutual holds excess of loss reinsurance with Tokio Marine Kiln Syndicates Limited (Lloyd's Syndicate 0510 KLN), placed through Price Forbes & Partners. It sits above the first $1,000,000 of each claim. The reinsurance is an arrangement between the Mutual and its reinsurer, so you have no right to claim on it and must never notify a claim to a reinsurer.

Tell us as soon as you become aware of a claim or a circumstance that could lead to one. Call (07) 3497 5048 or email hotline@npaa.asn.au. After your protection period ends you have an automatic 60 days to notify a claim that first arose during it. If you are notified of an AHPRA or National Board matter, tell us straight away. Do not admit liability or settle anything without the Mutual's written consent.

Write to the Mutual's Complaints Manager within 60 days of being told the decision, and the Mutual will respond within 30 calendar days. If you are still unhappy, you can take your complaint to the Australian Financial Complaints Authority (AFCA) at no cost to you. AFCA's determination is binding on the Mutual, not on you. AFCA: 1800 931 678, info@afca.org.au.

Work Journey Cover is insurance for work-related commuting, to and from work. It applies to incidents in New South Wales, South Australia and Western Australia only. It is arranged through our broker and is separate from the Mutual's discretionary protection. Sums insured and benefits are set in the AIG Policy Schedule.