Professional Indemnity & Public Liability Cover for the Nursing Profession
MGA Insurance Group provides comprehensive tailored Professional Indemnity and Public Liability Insurance for Nursing Agencies and Individual Nurses across Australia.
Healthcare professionals operate under extraordinary pressure, making critical decisions that have lasting impacts on those in their care. The responsibility is immense. The need for protection is essential.
MGA Insurance Group – Insurance designed for those who dedicate their lives to healing others.
When concerns are raised, matters can escalate into formal complaints, investigations, or claims. Having insurance that reflects this exposure is an important part of protecting both professional practice and reputation.
The MGA policy offer protects your career, and professional responsibilities while ensuring you meet AHPRA requirements for Professional Indemnity and Public Liability. Cover can also extend to duties such as nursing care, education or training, nurse surgical assisting, cosmetic injectables and nurse practitioner services.
Our brokers work closely with agencies and nursing professionals to provide tailored coverage that protects their practice, team, and professional standing.
Professional indemnity protects your business against any civil liability claims arising out of the provision of Professional Services provided by or on behalf of the Insured, whether in the past, present or future, while Public Liability protects you against legal liability to pay compensation for personal injury, property damage and advertising liability.
We position limits aligned to contractual obligations, workplace requirements, and regulatory expectations.
When considering Professional Indemnity and Public Liability cover in nursing, it’s important to understand how policy limits apply.
Agency policies are designed to cover the entity and its employees, where the policy limit is shared for the entity, meaning multiple claims draw from the same overall cover.
Individually arranged cover is structured differently. The policy limit is not shared, it is allocated solely to the individual insured, protecting your practice without being impacted by claims made against the agency or other staff.
Professional Indemnity and Public Liability combine to provide protection across clinical services and business activities.
This includes claims arising from the provision of Professional Services, including:
Defence costs, investigation expenses, and court attendance costs are built into the policy structure.
Policies arranged through MGA Insurance Group include a range of extensions and protections designed for healthcare environments:
Run-off cover of up to 7 years is also available for both agencies and individuals (subject to terms), providing ongoing protection after ceasing operations or practice.
Midwifery activities are excluded under standard cover; however, extensions can be arranged for agencies where required. A limited write-back can also provide cover for certain midwifery services, excluding the actual birthing process, subject to underwriting.
A nurse is placed on temporary assignment with a third party. During the placement, a patient under the nurse’s care dies. The patient’s family sues claiming mental injury, depressive illness, loss of earning capacity and ability and a raft of personal injuries.
An agency nurse administers morphine to a patient who suffers respiratory failure resulting in hypoxic brain injury. The patient sues for ongoing medical expenses and mental injury.
Whilst providing post-operative care for a patient, it is alleged that the agency nurse did not contact the appropriate surgeon after noticing the patient’s responsiveness was getting worse. A claim is made against the nurse for negligence.
Cover is designed around the day-to-day exposures nurses and nursing agencies encounter, including placement services and emergency care. Extensions can be incorporated to align with the scope of services and contractual requirements.
The MGA Insurance Group Difference
Insurance is only part of the equation. The advice, structuring expertise and claims support provided by our brokers is where real value is delivered.
Industry Understanding
We work closely with nursing agencies and healthcare professionals, giving us a practical understanding of placements, workforce structures, and contractual risk.
Tailored Policy Design
Coverage is structured around your services and exposures, not forced into a generic wording.
Individual Limit Protection
In many workplace or group insurance arrangements, cover is shared across a collective policy limit, meaning multiple claims can draw from the same pool.
Through MGA Insurance Group, individual practitioners can access policies structured with their own dedicated limit of indemnity. This allows eligible clients to claim up to $20M for their own matter, rather than relying on a shared workplace aggregate.
Dedicated Claims Advocacy
If a claim arises, our brokers support you through the process, assisting in matters that are handled efficiently and with care.
Long-Term Partnership Approach
As your operations grow or change, we continue working with you, so your insurance reflects your evolving risk profile.
For more information or to request a proposal, contact one of our top insurance brokers:
