Treatment and assessment
Claims that assessment, diagnosis or therapy caused harm.
Psychologist Professional Indemnity
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Psychologist Professional Indemnity
Professional indemnity for registered psychologists and psychology practices.
In psychology the claim is often a notification rather than a lawsuit. A confidentiality breach, a boundary complaint, or a report relied on in a family law or medico-legal matter can trigger a regulatory process long before damages are ever claimed. Professional indemnity generally responds to the liability and, where the wording provides for it, the cost of defending the complaint.
What is it?
Psychologists are registered with the Psychology Board of Australia through AHPRA, across general, clinical, forensic, organisational, counselling and neuropsychology practice, in settings from private rooms and telehealth to schools, hospitals and employee assistance programs. The Board's registration standard requires practising psychologists to have professional indemnity insurance arrangements covering the full scope of their practice, including private or contract work done outside a main employer.
What does psychologist professional indemnity cover?
Confidentiality and records
Exposure from disclosure, subpoenas and the client data you hold.
Regulatory notifications
Costs of responding to a notification or disciplinary process, where covered.
What affects the cost?
- Endorsements and areas of practice
- Forensic, medico-legal and court report work
- Employed, private practice or both
- Session and client volume
- Claims and notification history
Worth raising on the call
- Employer cover rarely extends to private or contract work you also do.
- Forensic and court report work is rated separately from clinical practice.
- Retroactive date and run-off matter because complaints can arrive years later.
Claims we are commonly asked about
Notes released without valid authority
A practice responds to a request from a client's former partner and releases session notes without a signed authority or a valid subpoena. The client lodges a notification with AHPRA, and the practitioner has to fund a formal response before any question of damages arises.
Family report challenged in court
A court-ordered assessment is criticised for reaching a conclusion beyond the collateral information actually gathered. A complaint follows the hearing and the file, the interview record and the reasoning are examined line by line.
Boundary complaint after therapy ends
A former client raises a complaint about contact that continued socially once treatment concluded. Even where no money is claimed, the notification runs a formal process with legal costs and a practising response attached.
Worth confirming in the wording
- Worth confirming whether the cost of responding to an AHPRA or Board notification is included and what sub-limit applies to it, since this is often where the real spend sits.
- Worth confirming whether telehealth sessions with clients located interstate or overseas fall inside the territorial and jurisdiction terms.
- Worth confirming whether supervision you provide to provisional psychologists or students is a declared insured activity.
Common questions
Does my employer's insurance cover my private practice?
Usually not. An employer's arrangement generally responds to work performed for that employer, so private clients, contract work, telehealth done independently or a side practice commonly sit outside it. The Board's registration standard is framed around the full scope of your practice, so it is worth checking the employer's policy wording rather than assuming.
Is professional indemnity insurance required for psychologists in Australia?
The Psychology Board of Australia's registration standard requires practising psychologists to have professional indemnity insurance arrangements that cover the full scope of their practice. The current wording of that standard should be checked directly with the Board or AHPRA, as standards are periodically reviewed.
What happens if a complaint arrives after I retire?
Professional indemnity is typically written on a claims-made basis, so a policy generally needs to be in force when the claim or notification is made, not when the session took place. Practitioners winding down commonly arrange run-off cover for that reason, and the available run-off period is set out in the policy terms.
What does psychologist professional indemnity cost?
It depends on your practice profile rather than being a flat figure. The main drivers are your endorsements and areas of practice, how much forensic, medico-legal or court report work you do, whether you are employed, in private practice or both, your session volume, and your claims and notification history.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See professional indemnity insurance for the wider picture.
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