{"id":3737,"date":"2023-07-03T12:43:14","date_gmt":"2023-07-03T02:43:14","guid":{"rendered":"https:\/\/blog.amt.org.au\/?p=3737"},"modified":"2023-07-03T12:43:20","modified_gmt":"2023-07-03T02:43:20","slug":"knead-protection","status":"publish","type":"post","link":"https:\/\/blog.amt.org.au\/index.php\/2023\/07\/03\/knead-protection\/","title":{"rendered":"Knead Protection"},"content":{"rendered":"\n<h4 class=\"wp-block-heading\"><em>AMT&#8217;s preferred insurer, <a rel=\"noreferrer noopener\" href=\"https:\/\/fentongreen.com.au\/industries\/allied-health-practitioners\/#four\" target=\"_blank\">Fenton Green<\/a>, covers some common queries and explains the fundamentals of professional indemnity insurance.<\/em><\/h4>\n\n\n\n<p><strong>What does professional indemnity insurance cover me for?<\/strong><\/p>\n\n\n\n<p>Professional indemnity insurance, also known as professional liability insurance or errors and omissions insurance, protects professionals and businesses against claims arising from negligence, errors, or omissions in the course of providing professional services. It provides financial protection and legal defence in the event that a client or third party suffers financial losses as a result of your professional activities.<\/p>\n\n\n\n<p><strong>What does &#8220;claims made&#8221; mean?<\/strong><\/p>\n\n\n\n<p>Professional Indemnity policies are written on a claims made and notified basis. This means that your insurance policy only covers claims made while the policy is active. Even though you may have had insurance at the time you provided your client with the service, you may not be eligible to rely on the benefits of the insurance policy because you can only notify an insurer of claims during an <strong>active policy period<\/strong> or within an extended reporting period, as per the policy wording. Your insurance may not cover the business or a person after the policy expires, leaving you exposed if claims are made after the policy expiration date. Companies or individuals ceasing business still have exposure to claims being made after their business ceases, arising from their previous business activities. This means you are vulnerable if claims are made after the policy expiration date. <\/p>\n\n\n\n<p>This is where runoff cover comes in &#8230;<\/p>\n\n\n\n<p><strong>What is runoff cover?<\/strong><\/p>\n\n\n\n<p>A runoff cover policy is designed to cover you against claims for work done while in practice but arising after you have ceased to practice. It is insurance against a future loss. Massage therapists should hold a runoff policy until the likelihood of claims no longer exists.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Things to consider when taking out a professional indemnity policy<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Limit of Indemnity <\/strong>&#8211; You&#8217;ll need a <em><strong>minimum $2 million<\/strong><\/em> limit to be eligible as a provider with all private health funds.<\/li>\n\n\n\n<li><strong>Reinstatements<\/strong> &#8211; The policy should have at least one automatic reinstatement.<\/li>\n\n\n\n<li><strong>Excess or Deductible <\/strong>&#8211; This must be at a level that your business can confidently sustain as an uninsured loss.<\/li>\n\n\n\n<li><strong>Insured Persons <\/strong>\u2013 Must cover the acts of employees, directors and contractors of the company.<\/li>\n\n\n\n<li><strong>Legal Entity Name <\/strong>\u2013 Make sure your correct legal entity name is included on the policy. A legal entity name is the name of the entity that appears on all official documents or legal papers. It can be different to business names. If it\u2019s a company, it will be the full company name including the proprietary limited. Examples of legal entities:\n<ul class=\"wp-block-list\">\n<li>John Smith T.as John Smith Massage Therapist<\/li>\n\n\n\n<li>John Smith Massage Therapy Pty Ltd<\/li>\n\n\n\n<li>John Smith &amp; Peter Smith T.as John and Peter Massage Therapy<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Legal \/Defence costs <\/strong>&#8211; Must be in addition to the minimum limit or level of cover, meaning you have $2,000,000 of compensation in the event of a claim, and legal and defence costs are paid in addition.<\/li>\n\n\n\n<li><strong>Covered Modalities <\/strong>\u2013 Make sure your insurer or broker understands all the modalities that you practice and can extend cover for these. It&#8217;s important that you clarify this with them to ensure there are no grey areas in the event of a claim. You&#8217;ll need to have some sort of formal training or hold qualifications to obtain cover for a modality. <\/li>\n\n\n\n<li><strong>Retroactive cover <\/strong>\u2013 Make sure you have unlimited retroactive date or a retroactive date that aligns with the date you started trading.<\/li>\n\n\n\n<li><strong>Run off cover <\/strong>\u2013 You should check with your current insurer to ascertain whether they offer runoff cover. In the event that you cease practising, you will have cover in place for past work performed while you were practising.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Professional indemnity claims do happen<\/strong><\/h3>\n\n\n\n<p><strong>When should I contact Fenton Green or my insurance broker?<\/strong><\/p>\n\n\n\n<p>You need to contact your insurer as soon as you become aware of a potential circumstance that may give rise to a claim. Your insurer will then provide you with advice on how to proceed.<\/p>\n\n\n\n<p><strong>What must occur for something to be considered a claim?<\/strong><\/p>\n\n\n\n<p>There must be a written demand received from your client regarding the loss they have suffered as a result of your treatment. You also need to notify your insurer if a complaint against you is made to the <a href=\"https:\/\/www.ahpra.gov.au\/Notifications\/Further-information\/Health-complaints-organisations.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">Health Care Complaint entity in your jurisdiction<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How to prevent professional indemnity insurance claims<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Have appropriate documentation<\/strong> in place for all clients. This includes having clients fill out documentation when coming to visit, documenting their health history and noting any pre-existing health conditions or injuries. Keeping good file notes and client records is crucial. In the event of a professional indemnity claim, one of the first things the insurer will request is a copy of your client file and notes.<\/li>\n\n\n\n<li><strong>Know your mandate\/scope<\/strong> and refer any difficult cases to an appropriate health care practitioner. Some professional indemnity claims arise when therapists provide treatments they are not fully confident to perform or don&#8217;t provide regularly. We recommend that, if a client requests a treatment and you are not fully confident in your skills (such as dry needling), that you decline this request and refer the client to another therapist that specialises in this area.<\/li>\n\n\n\n<li><strong>Review your client list regularly<\/strong>. If some of your clients develop complex injuries or conditions that are outside of your area of expertise, referral to a therapist more equipped to deal with their case is strongly advised.<\/li>\n\n\n\n<li><strong>Manage your obligations under the AMT code of practice and ethics<\/strong>. Regularly review the AMT Code to ensure you are following all your obligations. Always act professionally and ethically when treating clients to avoid any complaints.<\/li>\n\n\n\n<li><strong>Have appropriate insurance<\/strong>. We cannot stress how important it is to get good cover and have good advisors. Professional indemnity and public liability insurance is critical if you do find yourself faced with a claim or allegations from a client. It is one of the most stressful things any practitioner can go through so you need to have your insurer and your broker as partners. They will work with you throughout the duration of a claim: these are long tail events that can therefore take a protracted amount of time to resolve. It&#8217;s so important to have someone advocating for you in these extremely challenging circumstances.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Some real-world claims examples involving massage therapists<\/strong><\/h3>\n\n\n\n<p>In periods of change and instability or difficult economic times there can be an increase in professional indemnity claims. We have seen an increase in complaints and claims since the advent of the COVID-19 pandemic. We see a number of claims on a weekly basis at Fenton Green.<\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h4 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Claims Example One<\/mark><\/strong><\/h4>\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Summary of Matter<\/mark><\/strong><\/p>\n\n\n\n<p class=\"has-vivid-cyan-blue-color has-white-background-color has-text-color has-background\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">A client presented at the therapist&#8217;s clinic for a remedial massage. During the treatment the claimant heard his chest pop followed by immediate pain. The client suffered a fracture to their rib as a result of the treatment. The client was unable to attend his job as a carpenter for 8 weeks. They claimed loss of income of income and damages for $20,000. The claim was settled for $25,000 including legal costs.\u00a0<\/mark><\/p>\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Issues Raised in Matter<\/mark><\/strong><\/p>\n\n\n\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\"><em>The practitioner did not have accurate file notes of the treatment provided. The client did not complete a new client intake, noting pre-existing injuries. It was discovered during the litigation process that the client had broken their ribs in the past.<\/em><\/mark><\/p>\n<\/div><\/div>\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\">Claim Example Two<\/mark><\/strong><\/p>\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\">Summary of Matter<\/mark><\/strong><\/p>\n\n\n\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\">A therapist had a regular engagement to provide corporate relaxation massages to a business. The therapist brought their massage table and set up in the boardroom of the business. The therapist was performing a massage on a client when their massage table collapsed. The client suffered a dislocated shoulder and ligament damage as a result. They required surgery and time off work due to the injury. The claims costs associated with the matter were roughly $30,000 plus legal costs.<\/mark><\/p>\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\">Issues Raised in Matter<\/mark><\/strong><\/p>\n\n\n\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\"><em>The practitioner did not maintain their equipment. It&#8217;s important to make sure that business equipment is regularly updated.<\/em><\/mark><\/p>\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-luminous-vivid-orange-color\">Claim Example Three<\/mark><\/strong><\/p>\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-luminous-vivid-orange-color\">Summary of Matter<\/mark><\/strong><\/p>\n\n\n\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-luminous-vivid-orange-color\">A client presented at the therapist&#8217;s clinic for dry needling. During the session, the therapist used a needle close to the client&#8217;s lung cavity. The client suffered a pneumothorax (punctured lung) requiring urgent hospital care and has a number of complications as a result. The client claimed loss of income and medical costs of $45,000 including legal fees.<\/mark><\/p>\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-luminous-vivid-orange-color\">Issues Raised in Matter<\/mark><\/strong><\/p>\n\n\n\n<p><em><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-luminous-vivid-orange-color\">The practitioner did not have the relevant experience in dry needling. They did not keep up to date with professional development in this area.<\/mark> <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-luminous-vivid-orange-color\">There were also allegations that the infection control of the practitioner was adequate: the client suffered numerous infections following the incident.<\/mark><\/em><\/p>\n\n\n\n<p>Questions about professional indemnity insurance? Please contact <a href=\"https:\/\/fentongreen.com.au\/contact-us\/\" target=\"_blank\" rel=\"noreferrer noopener\">Fenton Green<\/a>. <\/p>\n\n\n\n<p><em>Image credit: Nick Youngson http:\/\/www.nyphotographic.com\/<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Confused about what professional indemnity insurance covers? AMT&#8217;s preferred insurer tackles some common queries and provides some real-world examples of claims against massage therapists. <\/p>\n","protected":false},"author":1,"featured_media":3740,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2,174],"tags":[906,680,905,904,907],"class_list":["post-3737","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-professional-practice","category-resources","tag-claims-made","tag-fenton-green","tag-insurance","tag-professional-indemnity","tag-runoff-cover"],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2023\/07\/insurance-policy.jpg?fit=1200%2C800&ssl=1","jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":4135,"url":"https:\/\/blog.amt.org.au\/index.php\/2025\/08\/18\/weve-got-you-covered\/","url_meta":{"origin":3737,"position":0},"title":"We&#8217;ve got you cover(ed)","author":"admin","date":"18\/08\/2025","format":false,"excerpt":"AMT is charting a new course with Guild Insurance and we're excited about the journey ahead. Read on for our launch announcement.","rel":"","context":"In &quot;AMT&quot;","block_context":{"text":"AMT","link":"https:\/\/blog.amt.org.au\/index.php\/category\/amt\/"},"img":{"alt_text":"Look. We have to cut Guild some slack for going with the \"stones and frangipanis\" cliche marketing image for massage. They're sticking with the tried and true imagery for natural therapies that they have likely been using for a long while. Text on the left hand side of the image says \"Peace of mind at your fingertips\".","src":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/08\/MAS502007_AMT_Why_Guild_Post_Facebook_1200x630_082025_WEB_ART_1.png?fit=1200%2C630&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/08\/MAS502007_AMT_Why_Guild_Post_Facebook_1200x630_082025_WEB_ART_1.png?fit=1200%2C630&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/08\/MAS502007_AMT_Why_Guild_Post_Facebook_1200x630_082025_WEB_ART_1.png?fit=1200%2C630&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/08\/MAS502007_AMT_Why_Guild_Post_Facebook_1200x630_082025_WEB_ART_1.png?fit=1200%2C630&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/08\/MAS502007_AMT_Why_Guild_Post_Facebook_1200x630_082025_WEB_ART_1.png?fit=1200%2C630&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":4141,"url":"https:\/\/blog.amt.org.au\/index.php\/2025\/08\/20\/introducing-amts-new-partnership-with-guild-insurance\/","url_meta":{"origin":3737,"position":1},"title":"Introducing AMT&#8217;s new partnership with Guild Insurance","author":"admin","date":"20\/08\/2025","format":false,"excerpt":"We're excited to announce our new partnership with Guild Insurance. Read on for more details.","rel":"","context":"In &quot;AMT&quot;","block_context":{"text":"AMT","link":"https:\/\/blog.amt.org.au\/index.php\/category\/amt\/"},"img":{"alt_text":"Black and white sketch showing a handshake with the word \"Teamwork\" written above the hands.","src":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/08\/shaking-hands-handshake-teamwork-staff-ab474225ab7dca72fc74fb44cd17498d-scaled.jpg?fit=1200%2C630&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/08\/shaking-hands-handshake-teamwork-staff-ab474225ab7dca72fc74fb44cd17498d-scaled.jpg?fit=1200%2C630&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/08\/shaking-hands-handshake-teamwork-staff-ab474225ab7dca72fc74fb44cd17498d-scaled.jpg?fit=1200%2C630&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/08\/shaking-hands-handshake-teamwork-staff-ab474225ab7dca72fc74fb44cd17498d-scaled.jpg?fit=1200%2C630&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/08\/shaking-hands-handshake-teamwork-staff-ab474225ab7dca72fc74fb44cd17498d-scaled.jpg?fit=1200%2C630&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":4245,"url":"https:\/\/blog.amt.org.au\/index.php\/2025\/09\/26\/21-resolutions-in-21-days-episode-17\/","url_meta":{"origin":3737,"position":2},"title":"21 resolutions in 21 days &#8211; Episode 17","author":"admin","date":"26\/09\/2025","format":false,"excerpt":"I learned the truth at seventeen That love was meant for beauty queens And high school girls with clear-skinned smiles Who married young and then retired. Episode 17 is the sanity clause we all needed.","rel":"","context":"In &quot;AMT&quot;","block_context":{"text":"AMT","link":"https:\/\/blog.amt.org.au\/index.php\/category\/amt\/"},"img":{"alt_text":"Brightly coloured rope knotted together in a messy way with a hooked carabeena for good mesaure looping some larger ropes.","src":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/09\/Gordian-knot.jpg?fit=800%2C535&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/09\/Gordian-knot.jpg?fit=800%2C535&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/09\/Gordian-knot.jpg?fit=800%2C535&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2025\/09\/Gordian-knot.jpg?fit=800%2C535&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":3574,"url":"https:\/\/blog.amt.org.au\/index.php\/2022\/03\/30\/amt-chairperson-autumn-2022-message\/","url_meta":{"origin":3737,"position":3},"title":"AMT Chairperson Autumn 2022 Message","author":"admin","date":"30\/03\/2022","format":false,"excerpt":"How well written are your treatment notes? Would they stand up to scrutiny in a courtroom? AMT Chairperson Subhadra Gerard is here to spell out the importance of record keeping.","rel":"","context":"In &quot;AMT&quot;","block_context":{"text":"AMT","link":"https:\/\/blog.amt.org.au\/index.php\/category\/amt\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2022\/03\/vinyl-1595847_640.jpg?fit=640%2C480&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2022\/03\/vinyl-1595847_640.jpg?fit=640%2C480&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2022\/03\/vinyl-1595847_640.jpg?fit=640%2C480&ssl=1&resize=525%2C300 1.5x"},"classes":[]},{"id":749,"url":"https:\/\/blog.amt.org.au\/index.php\/2018\/05\/04\/amt-position-statement-on-the-provision-of-mobile-massage-therapy-services\/","url_meta":{"origin":3737,"position":4},"title":"AMT Position Statement on the Provision of Mobile Massage Therapy Services","author":"admin","date":"04\/05\/2018","format":false,"excerpt":"AMT has released a position statement on the provision of mobile massage therapy services that describes the benefits and evidence to support in-home and corporate massage services.","rel":"","context":"In &quot;AMT&quot;","block_context":{"text":"AMT","link":"https:\/\/blog.amt.org.au\/index.php\/category\/amt\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2018\/05\/amt-position-statement-1.png?fit=560%2C315&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2018\/05\/amt-position-statement-1.png?fit=560%2C315&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2018\/05\/amt-position-statement-1.png?fit=560%2C315&ssl=1&resize=525%2C300 1.5x"},"classes":[]},{"id":3697,"url":"https:\/\/blog.amt.org.au\/index.php\/2023\/04\/11\/top-gun-or-is-it\/","url_meta":{"origin":3737,"position":5},"title":"Top Gun: or is it?","author":"admin","date":"11\/04\/2023","format":false,"excerpt":"There's a bewildering array of tools on the market for massage therapists but how do you sort the multi-function scraper from the gua sha tool? Liz Sharkey provides some guidance.","rel":"","context":"In &quot;Clinical Practice&quot;","block_context":{"text":"Clinical Practice","link":"https:\/\/blog.amt.org.au\/index.php\/category\/clinical-practice\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2023\/04\/51818229810_72efab2d55_c.jpg?fit=800%2C600&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2023\/04\/51818229810_72efab2d55_c.jpg?fit=800%2C600&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2023\/04\/51818229810_72efab2d55_c.jpg?fit=800%2C600&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/blog.amt.org.au\/wp-content\/uploads\/2023\/04\/51818229810_72efab2d55_c.jpg?fit=800%2C600&ssl=1&resize=700%2C400 2x"},"classes":[]}],"_links":{"self":[{"href":"https:\/\/blog.amt.org.au\/index.php\/wp-json\/wp\/v2\/posts\/3737","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.amt.org.au\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.amt.org.au\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.amt.org.au\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.amt.org.au\/index.php\/wp-json\/wp\/v2\/comments?post=3737"}],"version-history":[{"count":7,"href":"https:\/\/blog.amt.org.au\/index.php\/wp-json\/wp\/v2\/posts\/3737\/revisions"}],"predecessor-version":[{"id":3751,"href":"https:\/\/blog.amt.org.au\/index.php\/wp-json\/wp\/v2\/posts\/3737\/revisions\/3751"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.amt.org.au\/index.php\/wp-json\/wp\/v2\/media\/3740"}],"wp:attachment":[{"href":"https:\/\/blog.amt.org.au\/index.php\/wp-json\/wp\/v2\/media?parent=3737"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.amt.org.au\/index.php\/wp-json\/wp\/v2\/categories?post=3737"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.amt.org.au\/index.php\/wp-json\/wp\/v2\/tags?post=3737"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}