Insurance for Healthcare Business Owners
Medical Practice Insurance NZ
Exclusive Insurance helps healthcare business owners protect their premises, equipment, staff and day-to-day operations. We arrange practical business insurance for medical, dental and allied-health practices, and explain your options in plain language.
Protecting Your Healthcare Business
Running a medical, dental or allied-health practice means looking after patients and running a business at the same time. Your premises, fit-out, equipment, team and income all need protecting if something goes wrong — a fire, a break-in, a storm, a staff dispute or a cyberattack. Exclusive Insurance works with practice owners across New Zealand to put the right business insurance in place, review it as the business grows, and help you through a claim if you ever need to make one.
What Insurance Does Your Practice Need?
Every practice is a little different, so the right mix of cover depends on how you operate. The types below are the ones healthcare businesses most often ask us about. We help you choose what fits your practice, and explain what each type may help protect against — in simple terms, with no obligation.
Cover Types
Who Is This For?
Why Exclusive Insurance Services?
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Get specialist advice tailored to your situation. No obligation, no pressure.
Frequently Asked Questions
We lease our premises — what do we need to insure?
Usually the landlord insures the building itself, while you insure your own fit-out, contents and equipment, plus cover like business interruption and public liability. The details depend on your lease, so we help you check what you are responsible for and arrange cover to match.
How do we protect expensive medical equipment?
Equipment can generally be insured for repair or replacement if it is damaged, lost or stolen, and some policies can also cover sudden breakdown. We help you list and value your equipment so the cover reflects what you actually own, subject to the terms of your policy.
What happens if a fire forces us to close for a while?
Business interruption cover may help replace the income you lose and cover ongoing costs such as wages and rent while you repair and reopen after insured damage. The amount and length of cover depend on the policy you choose, so it is worth reviewing these limits in advance.
Are we covered if we are hit by a cyberattack?
Cyber insurance may help with the cost of responding to a data breach or ransomware attack, restoring your systems, and meeting your privacy obligations. Cover and limits vary between insurers, so we help you choose a level that suits your practice.
We run more than one clinic — can they be covered together?
Yes. Multiple locations can usually be arranged under one insurance programme, which can make managing your cover and renewals simpler. We tailor the arrangement so each site has the protection it needs.
Can you review our existing insurance?
Yes. We can review your current policies, explain in plain language what they do and do not cover, and suggest options where there may be gaps or savings — with no obligation to switch.
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About this page
Reviewed by Adi Sehgal
Verified adviserDirector & Principal Adviser
This page is general information about the class of cover. Actual cover, terms, premiums, limits, exclusions and eligibility vary by insurer, policy wording, underwriting decision and individual client circumstances. Nothing on this page constitutes personalised financial advice.