PACFA Insurance Requirements

All PACFA registrants in the Certified Practising and Clinical categories, as well as registrants of PACFA Member Associations listed on the PACFA register, are required to have both Professional Indemnity and Public Liability insurance for all aspects of their practice, across all locations in which they practise.

Minimum Coverage Requirements: 
  • Professional Indemnity Insurance: $2,000,000 per claim
  • Public Liability Insurance: $20,000,000 per claim

All registrants must maintain valid and adequate insurance coverage for the whole duration of their registration.

Employer Coverage:

If you are covered by your employer, PACFA requires:

  • An employer letter confirming your employment and coverage under their policy for counselling work, including both Professional Indemnity and Public Liability; 

If your employer does not provide coverage for your counselling and/or psychotherapy work:

  • You must arrange your own insurance that can meet the minimum coverage requirements. 
Overseas Registrants: 

For registrants based overseas, PACFA accepts insurance that meets the minimum requirements set by the relevant regulatory or registration body in the country where registrants practice. 

PACFA Professional Indemnity Insurance Standard 

PACFA has arranged insurance options for members through insurance.com.au to support access to affordable insurance that meets PACFA's Professional Indemnity Insurance Standard. However, PACFA does not endorse any particular insurance provider. Members are required to work directly with their insurer to ensure that all aspects of their individual scope of practice, including any additional or extended areas of work, are appropriately covered under their policy. 

 

Accessing Insurance through Insurance.com.au

Overview

PACFA has partnered with insurance.com.au as the preferred insurance provider for Healthcare Professionals Civil Liability Insurance (Professional Indemnity and Public & Products Liability). 

PACFA members have exclusive access to reduced premium for a limit of $20,000,000 for Professional Indemnity and a limit of $20,000,000 for Public & Products Liability. The Healthcare Professionals Civil Liability Insurance policy can cover a wide range of health modalities in addition to counselling and psychotherapy. To see the full list of modalities, click here. 

Professional Indemnity Insurance

How to Purchase Civil Liability Insurance (Professional Indemnity and Public & Products Liability through PACFA’s partner insurance.com.au:

  1. Visit the PACFA page on the insurance.com.au website.
  2. Once on the insurance.com.au PACFA page, select Get a Quote and follow the prompts.
  3. Ensure when asked if you are part of an association, you select PACFA to receive your eligible discount.

For more information, or if you require assistance with insurance, contact insurance.com.au on 1300 468 730 or [email protected]. 

Get a Quote Today! 

Student Members: Complimentary Insurance for placements

insurance.com.au offers complimentary Healthcare Professionals Civil Liability insurance via their website for PACFA Students.

Get started with a new policy Renew your current complimentary polcicy

Important Information

Professional Indemnity insurance is typically a ‘claims-made’ and notified contract, meaning an active policy is required at the time a claim is made for the policy to respond – not just when the service/advice was provided*. Complaints or claims can still be made months or years into the future. Without continuous active cover, counsellors and psychotherapists may be personally exposed to legal costs, compensation claims, and regulatory investigations linked to past services/advice provided, regardless of whether they are currently practising.
*Subject to unknown claims or circumstances, policy terms, conditions and exclusions.

It is important that you have an active Professional Indemnity policy in place whilst you are practicing. Through the PACFA partner page on the insurance.com.au website, you are able to purchase insurance for any of these listed modalities.

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