Don't get caught out, your medics should have malpractice insurance

There are four misconceptions out there that paid on-set medical response staff do not need their own malpractice insurance.

Taylor & Swift, Lawyers who specialise in medical negligence claims in Australia have advised that "medical staff in Australia are required by law to have Professional Indemnity Insurance*" (medical malpractice insurance).  Here are four common misconceptions:


Misconception One: Medical staff only need public liability insurance.

Fact: Public Liability does not cover medical malpractice. Industry specific professional indemnity insurance policies are designed and required for that purpose.


Misconception Two: Your corporate/association policy will cover your medical responders.

Fact: That is not completely correct, corporate policies normally have broad approach and do not cover specific medical malpractice incidents. This is made even more complex if the on-site medic is self-employed. Even as an employee, the hourly rate you pay for your medic should include them being covered by their own medical malpractice policy, as it helps ensure that there is adequate and appropriate cover for all aspects of the medical and emergency response.


Misconception Three: If a medic does nothing wrong they don’t need malpractice insurance.

Fact: Even if your emergency team do everything right, it does not stop them from being sued. Even if they are found not liable, there is likely substantial costs in defending any claim, even one based on unfounded allegations. In an employer group policy, there may not be sufficient cover for both your organisation and the individual medic to receive the best legal advice and representation.


Misconception Four: Paid medical staff are covered by the “Good Samaritan” legislation

Fact: This is not the case if the person is receiving remuneration for said medical service. This legislation was put in place to protect everyday Mum’s & Dad’s, even medical practitioners, when they provide first aid “without an expectation of being paid”. For example, passing an accident scene and rendering assistance. A paid on-set nurse, paramedic or medic on-set does receive remuneration to provide said service.


With the above in mind, SaveLife as well as having workers compensation and public liability insurances, has in place a $10 million dollar professional indemnity malpractice policy to cover our medical services.


* https://www.taylorandscott.com.au/compensation-lawyers/medical-negligence/5-common-questions-medical-negligence-claims-australia/

By Glen July 8, 2026
There's a particular kind of quiet that anyone who works in film, television or sport knows well. It's the quiet after the wrap. After the season ends. After the contract runs its course and the next one hasn't landed yet. The gear is packed away, the group chat goes still, and for the first time in weeks or months, the phone doesn't ring. If you've felt that quiet lately, you're not alone. And you're not doing anything wrong. The gap isn't a failure. It's the shape of the work. We tend to talk about these industries as though steady employment is the norm and the quiet stretches are some kind of interruption. For most people who actually make sport and screen happen, it's the other way around. The work comes in bursts. A production. A tour. A season. An event. And in between those bursts sit the gaps — sometimes short, sometimes long, almost always uncertain. This is true whether you're crew waiting on the next shoot or a physio, a medic, a coach or event staff waiting on the next season to start. Plenty of people assume the off-season is paid downtime. For a great many, it isn't. It's the same waiting, the same not-knowing, just with a different name on it. Knowing all this intellectually doesn't make it easier to live through. But it does change one important thing: the gap stops being evidence that something's wrong with you, and starts being what it actually is — a normal part of a professional cycle you've chosen, and chosen for good reasons. It's the not-knowing, not the resting Here's something worth sitting with. Most people who struggle in the gaps aren't actually struggling with the rest. A break, in itself, is fine — good, even. What wears people down is the uncertainty wrapped around it. The open-ended question of when. The quiet arithmetic running in the background about how long the money lasts. The strange loss of identity that comes when so much of who you are is tied to being on set or on the sideline, and suddenly you're neither. That's the real weight of the space between. Naming it honestly is the first step to carrying it better. Getting through it None of what follows is a magic fix. The gaps are real and so is the stress. But over years spent on sets and sidelines, watching how people move through these stretches, a few things consistently seem to help. Protect your routine, especially sleep. When there's nowhere you have to be, structure is the first thing to go — and it's one of the first things to protect. You don't need a rigid schedule. You need enough of a rhythm that your days don't blur and your sleep doesn't drift. Your body and your head both hold up better for it. Deal with the money stress honestly, not silently. The financial worry doesn't get smaller by being ignored; it just gets heavier and quieter. Look at the actual numbers. Make a plan for the lean weeks. Talk to someone if you need to. Certainty about your situation — even uncomfortable certainty — is easier to carry than a vague, growing dread. Stay connected to your people. The instinct when work dries up is often to go quiet, to withdraw, sometimes out of a bit of shame. Resist it. The community that got you your last job is the same one that hears about the next. Beyond the practical side, these are the people who understand exactly what this stretch feels like, because they're living it too. Keep yourself current. Certifications, tickets, skills, fitness — the quiet time is when they slip, and it's also the time you actually have to keep them sharp. Using a gap to stay ready means that when the call comes, you say yes without hesitation. Use the time — but don't punish yourself for resting in it. There's a balance here. Yes, the gap is a chance to learn something, tidy the loose ends, prepare. But it's also, genuinely, permission to breathe after a demanding run. You don't have to earn your rest by being relentlessly productive through it. The mindset that helps most The single most useful shift we've seen people make is this: treating the gap as part of the job, rather than a break from it. The waiting, the preparing, the looking-after-yourself between engagements — that's not time off from your career. That's your career, in its quieter phase. When you hold it that way, the quiet stops feeling like a verdict on your worth. It becomes what it is: the natural in-breath between one demanding stretch and the next. And the phone does ring again It's easy, in the middle of a long gap, to quietly believe this one might be permanent. It rarely is. The industries we work in run in cycles, and the people who look after themselves through the quiet — who keep their rhythm, their relationships and their readiness intact — are the ones who come back sharpest when things pick up again. And they always do pick up again. We spend our working lives looking after the people who make sport and screen happen — on set, on the sidelines, and, we hope, a little in the space between too. Look after yourself out there. We'll all be back at it before long.
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