Specialist PI Insurance for Nursing

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Tailored PI insurance for Nurses & Nurse Practitioners
Established in 2011

HPI Online is a specialist provider of professional indemnity insurance for Allied Health Practitioners. We are a division of Medisure Indemnity Australia, who are a specialist underwriting agency for healthcare, wellness and lifestyle related risks.

Cover designed for you

Whether you’re an enrolled nurse, registered nurse, or nurse practitioner, HPI Online provides coverage that is built specifically around the services you provide, whether that be in full time private practice, or just every now and then.

Nurses working in Cosmetics

Our policy provides coverage for cosmetic injectables, PDO and COG threads, PRP treatments, laser therapies, laser tattoo removal, skin needling and much more. For a full range of services, please click here.

Professional indemnity insurance built for Nursing

Since our inception in 2011, we’ve watched the constant evolution of the Nursing Industry, and continued to develop our insurance products to grow with you.

With more nurses than ever choosing to work in private practice, it’s important you choose an insurer who can provide peace of mind in what can be some of the most stressful times of your working life. HPI Online offers coverage for enrolled nurses, registered nurses and nurse practitioners, however we understand that while your nursing qualifications may fit into 1 of 3 categories, your scope of practice is much more expansive, and have built a bespoke insurance policy to meet these needs.

For a full range of services we cover, please click here.

Our insurance provides specialised coverage for your industry

Frequently asked questions

HPI Online policies include cover for your professional indemnity, and public liability insurance.
Depending on your category of practice, the policy extends to cover most services that fall within your scope of practice. For a full list of services included, please click here

We can include cover for PDO and COG* threads, provided you are a registered nurse, or nurse practitioner.
Claims relating to PDO and COG thread services do attract a higher excess.
Please note, cover for COG Threads is limited to $100,000.

No, this is an automatic inclusion. This includes tattoo removal, skin treatments, cool sculpt/fat freezing, hair removal etc.
Claims relating to laser services do attract a higher excess.
If you’d like confirmation of a particular service, please email our team at admin@medisure.com.au

As a nurse in Australia, determining the appropriate amount of Professional Indemnity (PI) cover is essential for protecting yourself against potential claims or lawsuits related to your professional duties. While specific requirements may vary based on your workplace or state regulations, here is some general guidance to consider when determining the amount of PI cover you need:

  • Assess your work environment: Consider the nature of your nursing practice, including the type of healthcare facility or specialty in which you work. High-risk areas may require higher levels of coverage due to the increased likelihood of critical situations and potential for errors.
  • Review state regulations and professional association guidelines: Different Australian states may have specific requirements or recommendations regarding the minimum level of PI cover for nurses. Additionally, professional associations like the Australian Nursing and Midwifery Federation (ANMF) may provide guidance on adequate coverage levels.
  • Evaluate potential risks: Reflect on the potential risks associated with your nursing practice. This may include factors such as the complexity of procedures you perform, the number of patients you handle, and the scope of your responsibilities. Assessing the potential severity and frequency of risks can help determine an appropriate coverage amount.
  • Consider your employment arrangements: If you work as an employee within a healthcare institution, they may provide a certain level of PI cover as part of their insurance policies. However, it is crucial to confirm the extent of this coverage and assess whether additional personal coverage is necessary to adequately protect yourself.

Remember, the decision on how much PI cover you need ultimately rests with you. It’s important to carefully consider your individual circumstances and seek guidance when necessary to ensure you have adequate protection in place.

What are my key policy benefits?

  • Public liability
  • $100,000 inquiry costs
  • Legal consultation
  • Compensation for court attendance
  • Good Samaritan acts
  • $250,000 lost documents
  • $25,000 public relations expenses
  • Spousal liability
  • $100,000 statutory liability

This list is not exhaustive, to read the full terms and conditions, please click here

Case Study

Navigating the landscape of insurance requirements can be complex, but you don’t have to do it alone. Our team at HPI Online is here to support you.

  • Following a complaint in relation to an adverse reaction, the case went through mediation, where both parties attempted to reach a settlement. The settlement was made without an admission of liability on Sarah’s part. Investigation, defence, and settlement costs were covered by Sarah’s insurance policy.

    Professional indemnity insurance played a crucial role in protecting Sarah throughout the claims process, covering legal expenses and potential compensation.