Australia-wide Healthcare Specialists | Backed by Reef Insurance Brokers Group
Insurance & Risk Protection for Australian Healthcare Practices
Business, Liability, Cyber & Practice Insurance for Clinics, Dentists, Specialists & Allied Health.
Protecting Australian Healthcare Practices Beyond Medical Malpractice with Business, Cyber, Liability & Risk Insurance for Clinics, Dentists, Specialists and Allied Health.
We help GP clinics, dental practices, allied health providers and medical businesses understand risk, identify insurance gaps, and build smarter protection around real-world operations.
Takes 2 minutes • No documents required • Australia-wide
Popular Practice Resources from the Vault
Why Healthcare Practices Choose Doc Insure
Healthcare businesses face unique exposures that standard insurance advice often misses. We focus on the risks that matter most — regulatory, operational, cyber, workforce and continuity.
Why Healthcare Practices Work With Us
Understand clinic-specific risks
We know contractor arrangements
We understand cyber/privacy exposure
Claims support when it matters
National service, personal advice
Regulatory Resilience
We provide clarity on regulatory grey areas — helping you understand your obligations, your exposure, and how your insurance responds in practice.
Digital Integrity
Patient data risk is not just IT — it is a clinical and regulatory exposure. We help practices understand breach exposure and insurance response.
Asset Protection
From fit-outs to diagnostic equipment and business interruption, we help structure cover around your real financial risk.
SERVICES
We don’t start with policies — we start with how your practice actually operates. From there, we structure insurance that aligns with your real risk.
Asset Protection
Asset protection programs that account for the unique risks faced by GPs, Dental, and Allied Health practitioners and clinics.
Core Liability
Critical protection for practice owners against civil actions, employment disputes, statutory fines, AHPRA or regulatory investigations, and data risks.
Business Continuity
Protecting your cash flow and income. Ensuring your income stays stable while you rebuild after a claim.
Insurance quotes for healthcare practices and individual practitioners
Specialist insurance support for Australian healthcare clinics, practices and practitioners with timley, obligation free quotes.
Quote Request Forms for Healthcare Clinics
Who is this for?
GP Clinics and Practices
Dental Practices
Allied Health Clinics
Specialists Rooms
Day Surgeries
Telehealth Clinics
Quote Request Forms for Individual Healthcare Practitioners
Who is this for?
GPs and Specialists
Dentists and Orthodontists
Allied Health Practitioners
Telehealth Practitioners
FAQ's
Most clinics don’t realise where their biggest uninsured risks sit until something goes wrong.
What insurance does a healthcare clinic need in Australia?
Most healthcare clinics need more than just professional indemnity or malpractice cover and Public Liability. Depending on your business, you may also need, business insurance, cyber liability, management liability, property cover, equipment breakdown and business interruption insurance. The right mix depends on your clinic size, services, staff and risk profile.
Is medical malpractice insurance enough for my practice?
Not always. Medical malpractice or professional indemnity insurance may respond to treatment-related claims, but it's not likely to cover business risks such as cyber attacks, employment disputes, theft, property damage or management liability exposures. Many practices need a broader, more robust insurance program.
Does my clinic need cyber insurance?
With the average data breach in Australia costing close to $4 Million, Cyber Liability insurance makes sense. If your practice stores patient records, uses email, takes online payments or relies on software systems, cyber insurance is worth investigating. Healthcare businesses are often targeted because they hold sensitive personal information. Cyber cover may assist with data breaches, ransomware, system interruption, forensic costs and notification expenses depending on the policy.
What is management liability insurance for healthcare practices?
Management liability insurance can help protect directors, owners and managers from risks such as employment disputes, workplace allegations, statutory investigations, employee theft and certain management-related claims. It is often overlooked by smaller clinics but can be highly valuable.
Are contractors covered under my clinic’s insurance?
Not automatically. Many healthcare clinics engage contractors, locums or practitioners under service agreements. How insurance treat these arrangements can vary depending on contracts, insurer wording and business structure. It is important to review contractor arrangements carefully to avoid unexpected gaps.
How much public liability insurance should a healthcare business have?
This depends on your clinic type, lease requirements, contracts and overall risk exposure. Many Australian healthcare businesses consider limits such as $10 million or $20 million, but appropriate limits vary. We can help review what may be suitable for your circumstances.
Can I insure just my clinic equipment and fit-out?
Yes. Many healthcare businesses insure to insure just contents, fit-out, diagnostic equipment, computers, stock and other assets. It is important to insure items for realistic replacement values and review sums insured regularly, especially after upgrades or expansions.
What happens if my clinic has to close temporarily?
Business interruption insurance may help in some situations if an insured event causes disruption to your operations. Depending on the policy, this can include lost income and ongoing expenses during the recovery period. Policy triggers and cover limits vary, so advice is important.
Why use a specialist healthcare insurance broker?
Healthcare businesses face unique risks involving patients, privacy, staffing, contractors, regulation and reputation. A broker who understands the healthcare sector can help identify exposures, compare options and structure cover that better suits your practice.
How do I get a quote from Doc Insure?
Simply complete one of our online quote request forms and we’ll review your needs and contact you to discuss suitable options. Alternatively, you can call us on 0473 007 606 and have a chat, or email us.
About Doc Insure
National Expertise. Digital Efficiency.
Doc Insure is a specialist division of the Reef Insurance Brokers Group. Our experience spans 2 decades and is built on a genuine interest and understanding the Australia Healthcare sector.
Operating 100% online from the Atherton region of Queensland, we have stripped away the overhead of traditional brokering to focus on what matters: High-level risk advisory for healthcare entrepreneurs across Australia. We don't just sell insurance; we architect clinical and operational resilience.
Who Do We Work With?
GP Clinics
Dental Practices
Allied Health Providers
Specialists
Multi-site Medical Groups
Healthcare Contractors & Practitioners
The Risk Intelligence Vault
Many practices don’t realise where their insurance gaps are until a claim occurs. This library of practical guides is designed to help you understand your risks before that happens.At Doc Insure we believe that risk management and knowledge are your first line of defence. Insurance is used to fund the gaps.Our comprehensive library of risk intelligence guides, specialist fact sheets and risk reports, are designed to help practices and practitioners better understand their risk, including a Data Breach Response Guide, Contractor Risk Management and Alignment Guide, and our Insurer IT Security Expectations Guide for 2026.We are constantly adding to and updating the library - check back frequently to get the latest risk intelligence.
Clinical and Regulatory Guides
HEALTHCARE RISK AND COMPLIANCE OVERVIEW
A high-level view of the key regulatory and insurance risks facing Australian healthcare practices in 2026.
WHAT INSURANCE DOES A HEALTHCARE PRACTICE ACTUALLY NEED?
Understand the core insurance covers required — and how they apply in a healthcare setting.
MANAGEMENT LIABILITY EXPLAINED FOR HEALTHCARE PRACTICES
A clear breakdown of employment, regulatory, and director risks — and how management liability insurance responds.
EMPLOYMENT PRACTICES (EPL) GUIDE
Explains employment-related claims including unfair dismissal, discrimination, and workplace disputes.
CONTRACTOR RISK IN HEALTHCARE: WHAT A PRACTICE NEEDS TO KNOW
Understand the risks of contractor arrangements and where insurance and legal exposure can arise.
ARE YOUR PRACTITIONERS ACTUALLY COVERED?
Identify common gaps in practitioner coverage and how different structures affect insurance response.
PERSONAL ACCIDENT INSURANCE FOR CONTRACTORS EXPLAINED
This guide explains how income protection works for contractors when workers compensation does not apply.
Digital, Data and Cyber Guides
HOW MUCH DOES A DATA BREACH REALLY COST?
Understand the full financial impact of a breach — from response costs to regulatory exposure.
WHAT HAPPENS IF YOUR CLINIC SUFFERS A CYBER ATTACK?
A practical walk through of what occurs during a cyber incident and how it impacts your practice.
AI DRIVEN CYBER ATTACKS: WHAT HEALTHCARE PRACTICES NEED TO KNOW
Explains how AI is changing cyber risk and why traditional protections are no longer enough.
CYBER INSURANCE EXPLAINED: COVER, GAPS AND RISKS
A clear breakdown of what cyber policies cover — and where practices are often exposed.
DATA BREACH RESPONSE GUIDE FOR HEALTHCARE PRACTICES
Step-by-step guidance on how to respond to a breach and meet regulatory obligations.
WHAT INSURERS EXPECT: CYBER SECURITY STANDARDS EXPLAINED
Outlines the security controls insurers increasingly expect when assessing cyber risk.
AI IN HEALTHCARE: WHO'S RESPONSIBLE?
Explores emerging legal and liability risks associated with AI use in healthcare practices.
Practice Assets Guides
IS YOUR PRACTICE UNDER-INSURED IN 2026?
Identify common areas where practices are under-insured and exposed to financial loss.
WHY HAS MY PREMIUM INCREASED?
Explains the key drivers behind rising premiums and what it means for your practice.
BUSINESS INTERRUPTION: WILL YOU PRACTICE SURVIVE A SHUTDOWN?
Understand how income protection works and where gaps can leave practices exposed.
BUSINESS INTERRUPTION RISK FOR HEALTHCARE PRACTICES
Explains why business interruption is often misunderstood and how it impacts healthcare operations.
PRACTICE ASSET PROTECTION AND INSURANCE EXPLAINED
Covers how to structure insurance for fit-outs, equipment, and operational assets.
CORPORATE TRAVEL INSURANCE FOR HEALTHCARE PRACTICES
Outlines the risks associated with business travel and how travel insurance responds.
HEALTHCARE PRACTITIONER COVERAGE CHECKLIST
A practical checklist to help ensure all practitioners are appropriately covered.
5 INSURANCE MISTAKES HEALTHCARE PRACTICES COMMONLY MAKE
Learn about the most common insurance mistakes that can leave healthcare practices exposed — and how to avoid them.
Let's chat
0473 007 606 | [email protected]