Insurance cover
To join the RAoA, some members are required to have Professional Indemnity and Public Liability Insurance at a level suitable for your business as required by your industry.
RAoA members have the option of accessing a range of insurance products tailored for reflexologists with our preferred insurance partner, Gallagher.
Who is Gallagher?
Gallagher is an international insurance brokerage, risk management and consulting firm, operating in more than fifty countries. It’s the chosen partner to more than 100,000 Australian businesses, from small businesses through to multinational corporations and iconic brands. Through Gallagher’s network of more than 30 regional and metropolitan branches across Australia, they understand local business communities because they are part of them.
As an RAoA Member, you need to know that your insurance policy is affordable and easy to access all whilst providing you with the right cover and if needed, the flexibility of additional options.
Gallagher is committed to making sure members have the right insurance coverage. Its dedicated team will work with you to provide access to insurance solutions which provide the appropriate level of cover for your business, supported by outstanding service.
Gallagher offers RAoA members the ability to receive a quote and buy their insurance online in a matter of minutes. Simply click the GET A QUOTE here and if you are happy with the quote, you can purchase your cover conveniently online.
Do you have questions before you buy? A Gallagher insurance expert can assist you. Call 1800 222 012 or complete an online contact form here.
Gallagher frequently asked questions
With Gallagher you have the benefit of combined insurance policy, designed to best suit the need of your profession. These insurance covers are:
- professional indemnity
- public liability
- products liability
Professional indemnity
Professional indemnity insurance protects your livelihood and your reputation, providing cover for what you do in your profession.
If someone takes legal action against you after you have provided a professional treatment or advice, your professional indemnity policy provides a range of covers that includes legal liability to pay compensation for personal injury to third parties or damage to their property, and financial loss arising out of any act, error or omission on your part.
Public liability
Public liability insurance is something we recommend for all businesses that interact with the public, even in small ways. No business is without some degree of risk. Protect yourself, your staff and members of the public by ensuring you’re covered for financial loss if a third party seeks compensation from you for a negligent action. An example of this might be an accident that happens on your premises, such as a slip and fall caused by a water spill.
Products liability
Products liability insurance protects you against liability for damages caused by goods sold or supplied by you.
Public liability cover is essential if you sell, supply or deliver products to members of the public. This cover protects you against being held liable for damage caused by goods sold or supplied by you, including damage caused by or associated with design defects, manufacturing defects or inadequate labelling, and is essential to protect you and your business.
We offer flexible pay by the month options including BPAY, credit card and spreading payments.
Yes. We understand that when you have a claim is when you need us most, so we provide a 24/7 claims service.
A nil basic excess applies to professional indemnity and liability policies.
However, an excess may apply to other sections of the policy and if this is the case it will be noted on your policy schedule.
Yes. You can access our legal experts, Sparke Helmore, for a free consultation on matters relating to your business, which could save you hundreds of dollars in legal fees.
Your combined policy is an ‘occurrence’ based policy wording. This means that you are covered for any incidents that may occur while the policy is in force, even if the claim is not made until some years after the event. Sometimes claims can be lodged some time or even years later.
Many policies only provide cover on a claims made basis. This means that you are only covered while the policy is current.
Yes. You can extend your policy to include retrospective cover. This benefit provides protection against any claims that may be made against you due to acts, errors or omissions, after your previous policy has expired and before the commencement of a policy with Gallagher.
Online activities may be covered if they directly relate to your occupation.
If you have changed your business to an online operation, any service you are providing online must be general in nature and in line with your occupation.
If you are conducting business activities outside of your general occupation, e.g. selling products such as candles, then we recommend you get in touch with us so we can discuss with you what you are doing and ensure your insurance cover is suitable for you.
If the activities or treatments you undertake in your occupation normally require physical contact (e.g. reflexology or massage) these cannot be performed online. If you are unsure if your activities are covered please contact us.
You must have a current professional indemnity policy in place to cover your legal responsibilities to pay damages and legal expenses arising from personal injury to a client or damage to their property.
Gallagher can issue you with a Certificate of Currency promptly, giving you instant confirmation of your cover so that you can remain on the health fund’s approved list.
Maternity reflexology
Gallagher wrote to RAoA members in 2023 regarding the coverage of maternity reflexology. To see their advice, click here.
Disclaimer
While every effort has been made by the RAoA Ltd to obtain group insurance at very competitive prices for members, it is the responsibility of each practitioner to choose an insurer that meets their individual needs.
