Indemnity Insurance cover period runs from 1 April to 31 March each year. If you join part way through the year, the Insurance premium is still due 1 April each year. The Insurance Company does not accept pro-rata.

Comprehensive NHPNZ endorsed liability insurance cover is available to approved student members.

As a Student Member, you need to be training with a “recognised training establishment” or Professional Association of the Natural Health Practitioners of New Zealand.

Download from the website, and complete a ‘Student Membership Application’ form and send it in to the office of the Natural Health Practitioners of New Zealand with your payment. Your Insurance Certificate, student membership certificate and a tax invoice receipt will be posted to you.

This is a fully comprehensive insurance cover. Comprehensive Cover includes:

Professional Indemnity/Medical Malpractice:

Designed to indemnify you, personally, for claims made against you by a third party alleging an (negligent) act, error or omission in the course of your normal business or practice which has caused them to suffer an alleged financial loss.

Public Liability:

Provides indemnify you and/or your business in respect of your personal legal liability for compensation as a result of damage to property or bodily injury arising out of your business or practice.

Employers Liability:

Protects you as an employer from loss resulting from claims made against you by employees suffering personal injury in the workplace, which are not covered by ACC.

Statutory Liability:

Provides indemnity in respect of defence costs and penalties (fines) in defending claims alleging unintentional breaches of specified New Zealand statutes.  These include Resource Management Act, Building Act, Fair Trading Act, Privacy Act, Consumers Guarantees Act and many more Acts of Parliament.

Employment Disputes Liability:

Provides indemnity for your personal liability where an employee takes a personal grievance action against you. These may include costs you are legally obligated to pay an employee, i.e. damages, judgments, settlements & deference costs.

The cover is for your practice of natural healthcare and training you may provide to others as part of this practice. If you provide training as a main part of your business or you are involved in selling products (other than as an incidental to your practice) you may need additional cover.

Professional Indemnity – Medical Malpractice:
$500,000 any one claim and in the annual aggregate
Broadform Public Liability:
$1,000,000 any one occurrence and aggregate for Products Liability
Employers Liability:
$500,000 any one claim and in the annual aggregate
(i.e. allocated split of up to $200,000 Defence Costs & up to $300,000 Damages)
Statutory Liability:
$500,000 any one claim and in the annual aggregate
Employment Disputes Liability:
$500,000 any one claim and in the annual aggregate

Please contact the Natural Health Practitioners of New Zealand office to arrange.

Cover starts as soon as the office of the Natural Health Practitioners of New Zealand receives your payment.

The Natural Health Practitioners of New Zealand insurance cover runs for 12 months from 1 April to 31 March of the following year.  Your Student Membership will need to be renewed annually during your training period.

No. This is because the insurance protects you for all work you have done in the
past (provided you are not already aware of a problem) not just for work done
after the insurance commences.

$1,000 per claim, except $500 for Public Liability, including costs and expenses

No. To reduce administration, which can be a large part of the insurance cost, you will only be given a Certificate of Insurance. A copy of the full policy is available for
inspection at the offices of the Natural Health Practitioners of New Zealand.

The insurance is provided by QBE Insurance Ltd and is arranged by The Insurance Brokers, the insurance adviser to the Natural Health Practitioners of New Zealand.  Our Broker, Lesley Scher, has considerable experience in arranging covers of this type and has access to a panel of specialist legal advisers to assist you with claims.

Immediately contact the Natural Health Practitioners of New Zealand Inc Office. They will assist you with the procedures to follow and the formally send notification to insurers.

It is important you do not admit liability.

Do not enter into correspondence or discussion with the claimant without the insurers consent and input.

Do not incur any costs without prior written approval of the Insurers.

Do not offer to settle the claim or pay compensation with the prior written approval of the insurers.