Nurses Liability Insurance

Nurses Liability Insurance for ACA members


ACA has formed a partnership with insurance and risk advisers Aon New Zealand to provide a range of insurance packages to ACA members, and nurses working for member entities under a special liability insurance package.

On-going changes within the regulatory environment, increased scrutiny on competencies and higher professional standards of practice mean that today’s health professional faces increased risk in their everyday activities.

Both legislative and social changes have made it necessary for nurses to take responsibility for their own professional protection and financial security.

Insurance or indemnities provided by an employer is nice to have, however it can leave you short on protection, restrict your involvement in the management of the claim, complaint or investigation and create a potential conflict of interest and your ability to independent representation.

ACA Member Nurses can access our specially designed professional liability insurance plan.

2022-2023 cover

Professionals Indemnity (Malpractice), Public Liability and Statutory Liability insurance cover.

Applications for renewals and new cover should be completed and returned to

Aon are pleased to advise that they have secured an agreement with Chubb Insurance New Zealand Limited (Chubb) to offer renewal terms for the Professionals Indemnity (Malpractice), Public Liability and Statutory Liability insurance covers with added Coronavirus exclusions.  The exclusions highlight the need for a facility to be pro-active and responsive following the experiences of the Covid-19 pandemic and whilst the management plans and policies will be the responsibility of the business, it is important that you know what is being done to protect them and their patients.  Please refer to the policy summary, here.

It is important that we remind you of the “claims made and notified” nature of the insurance policies.  This means that you must immediately notify any claims, potential claims or circumstances as soon as you become aware of them during the policy period.  Once the policies have expired, no claims or potential claims or circumstances can be notified against them.

Liability policies (excluding General/Public Liability) are provided on a “claims made” basis.  This means that it is the policy in place at the time you become aware of a circumstance or claim that will respond, not the policy in place at the time the event giving rise to the circumstances or claim occurred.  It is therefore vital that you advise Aon of any claims or matters currently involving you, that may require insurance notification before your current policy expires.

Run-Off Insurance

  • If you are not replacing your insurance cover and would like to continue to have indemnity cover against the risk of a claim or compliant being taken against you for past activities, we can arrange this under a run-off insurance policy.
  • Your insurer can arrange a 3 year run-off insurance based on the premium shown on the application form.  The run-off insurance is subject to completion of a No Claims Declaration each year until the 3 years of run-off expires.
  • If you are interested in taking up this offer for Professional Indemnity insurance in ‘run-off’ please confirm by return email to Aon, including the reason for your ceasing to practice and completion of the application form.

Please feel free to contact Helen Galbraith at Aon should you have any queries.

Application form and information about
protection and support

ACA Nurses Liability Insurance Application Form 2023-24 :

 Download here (Word)

If you  are joining the scheme on or after 1 December, please contact National Office for the current pro-rata rate before you submit and pay for your application.

ACA Nurses Liability information about protection and support | Download here

PLEASE NOTE: the Nurses Liability Insurance offered through ACA is available to nurses in ACA member care homes only.

For more information and queries please contact Alanna Pittar at Aon