This content connects practitioners to established Australian standards and frameworks for risk management and insurance. It does not provide specific guidance for individual circumstances, assess your particular risks, determine what is appropriate for your practice context, or recommend specific insurance products or providers.

This Information Does NOT Constitute:

• Professional insurance advice

• Legal advice

• Financial advice

• Risk management consulting

• A recommendation of any specific insurance provider, broker, or product

• A guarantee of coverage or suitability for any particular circumstances

• An assessment of your insurance adequacy or risk management practices

No Warranties

Outdoor Health Australia (OHA) makes no representations or warranties about the accuracy, completeness, currency, or suitability of this information for any particular purpose. Risk management requirements and insurance products, regulations, and coverage options change regularly. Requirements are highly context-specific and vary based on your circumstances, location, activities, qualifications, participant populations, and organisational setting.

Your Responsibilities

You are solely responsible for:

• Staying current with changes to standards, regulations, and best practices

• Ensuring compliance with all applicable laws, regulations, and professional standards in your jurisdiction

• Obtaining appropriate insurance coverage for your specific activities and practice context

• Maintaining current qualifications, registrations, and competencies required for your practice

• Conducting your own comprehensive risk assessments appropriate to your specific circumstances

• Implementing risk management strategies suitable for your context

• Seeking independent professional advice from qualified insurance professionals, brokers, legal advisors, risk management consultants, and clinical supervisors as needed

• Reading all insurance policy documents carefully before purchasing

• Declaring your full scope of practice accurately to insurers

• Obtaining written confirmation of coverage for your specific activities

• Reviewing your insurance and risk management practices regularly as your practice evolves

Professional Registration

If you are registered with AHPRA or another regulatory body, you remain bound by your professional standards, codes of conduct, registration requirements, and regulatory obligations. Nothing on this page replaces, overrides, or modifies your professional obligations or scope of practice.

Dynamic Risk Assessment Required

Risk management in outdoor health is an ongoing, responsive process, not a one-off documentation exercise. The information on this page provides frameworks and connections to standards but cannot replace your professional judgment in dynamic, real-time decision-making.

OHA’s Role and Limitations

OHA is a volunteer-run national organisation promoting evidence-informed nature-based health services. OHA:

• Provides general information to support practitioner awareness and education
• Connects practitioners to established standards and frameworks
• Does not sell, endorse, or recommend specific insurance products or providers
• Does not assess the adequacy of any practitioner’s insurance coverage
• Does not provide professional insurance, legal, or risk management advice
• Does not have expertise in insurance underwriting or risk assessment

Insurance-Specific Limitations

Insurance coverage depends on specific policy terms, conditions, and exclusions. Each practitioner’s circumstances are unique. Coverage decisions are made by insurance companies based on their assessment of risk, policy terms, and applicable law. OHA has no control over or responsibility for:

• Insurance coverage decisions

• Policy terms, conditions, or exclusions

• Claims processes or outcomes

• Premium costs or availability of coverage

• Changes to insurance products or providers

External Links

OHA provides links to external organisations and resources for your convenience only. We do not endorse, control, or assume responsibility for the content, accuracy, availability, or practices of third-party websites or organisations. Inclusion of a link does not imply recommendation or endorsement. You should independently evaluate the suitability of any external resources for your needs and review the terms and conditions of any external sites you visit.

Standards and Content Currency

Standards, regulations, best practices, insurance products, and coverage options evolve. While we endeavor to keep this content current, we cannot guarantee that all information or links remain up-to-date. You are responsible for verifying currency of information, standards, and insurance options applicable to your practice.

Limitation of Liability

To the fullest extent permitted by law, OHA, its directors, officers, employees, volunteers, and members disclaim all liability for any loss, damage, injury, claim, or expense (whether direct, indirect, consequential, or otherwise) that may arise from:

• Reliance on information provided on this page
• Use of or inability to use linked resources
• Decisions made based on this content
• Any errors, omissions, or inaccuracies in the content
• Changes to external standards, insurance products, or resources after publication
• Insurance coverage decisions or gaps in coverage
• Claims denied by insurance companies
• Inadequate risk management practices
• Any actions taken or not taken based on this information
• Any other matter relating to this page or its content

Seek Expert Advice

Risk management and insurance are context-specific and complex. Professional guidance from qualified advisors is strongly recommended and often essential for your particular circumstances. Every practitioner must obtain independent professional advice about:

For Risk Management

• Legal professionals familiar with WHS law in your jurisdiction
• Risk management consultants with outdoor and/or health sector experience
• Clinical supervisors who understand outdoor health practice
• Professional associations relevant to your discipline

For Insurance

• Qualified insurance professionals and/or brokers
• Your professional association’s insurance guidance
• Legal advice regarding contractual insurance requirements
• Advice specific to your professional qualifications, registrations, scope of practice, business structure, risk profile, participant demographics, and geographic locations of practice

When in doubt, seek expert advice before making decisions.

Acknowledgment

By using this page, you acknowledge that you have read, understood, and agree to this disclaimer.

Last updated: 20 October 2025