Sml Shield

Trusted by over 400,000 with their insurance needs

Sml Star

Our service is rated ‘Excellent’ on Feefo

Sml Agent (1)

Over 2000 insurance specialists ready to support you

Sports Therapy Insurance

Tailored professional liability insurance for sports therapists.

A shield with a tick inside it on a big translucent blue circle
Sports Therapist And Patient
If you need additional assistance arranging your insurance, find out how our teams can support

One of the UK's leading independent insurance brokers

Trusted brand icon

Overall service rating 4.6 / 5

Based on 4300 customer reviews

Feefo Logo

Why choose sports therapy insurance with Towergate?


Tailored sports therapy insurance

Cover up to the limit of liability you need for your sports therapist work.


Flexible public liability insurance for sports therapists

Choose the amount of public liability cover that you need - from £1 million to £5 million.

Direct Debit

Pay for sports therapy insurance in instalments

You can pay for sports therapist insurance by Direct Debit.


24/7 legal helpline for sports therapists

If you have legal concerns for you or your business, talk with a lawyer to understand the situation.

About sports therapy insurance


Quick and competitive sports therapy cover

We can offer specialist sports therapists insurance cover at affordable prices, with cover available online quickly.


Sports therapy insurance available worldwide

Our cover for sports therapists is accepted for work anywhere in the world (as long as you are UK based), including working from your home.


Cover for training sports therapists 

We can cover you with the same insurance policy both when you are training and when you are qualified as a sports therapist, so we can support you throughout your whole career.


Professional indemnity and product liability insurance for sports therapists

Our professional indemnity cover protects you against allegations of professional negligence, malpractice and breaches of codes of practice, as well as sports injuries. It covers legal defence costs and expenses, and damages or costs awarded to your client.

Product liability insurance covers bodily injury, death, illness and disease for products administered or supplied by you in the course of treatment or therapy. (Note products that have been mixed, blended or tampered with are not covered).

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0330 123 5921 or email and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
Smiling women sitting on a rug on a parquet floor leaning on a sofa looking at her mobile

Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!

Sports therapy insurance FAQs

Yes, we cover a wide range of different therapies; just speak to a member of our team for details. We are however unable to cover aqua massage.

Yes, we can cover you whilst you’re in training just as we would if you’re qualified.

Please note martial arts classes when you are training have to be supervised.

Yes, but it’s a feature that we can add on for you so you must let us know if it’s something you require.

No, we do not need to know how many clients you will be seeing throughout the policy year.

If you prefer to spread the cost of your annual premium, we offer a quick and easy direct debit scheme.

When you choose to pay premiums in instalments, you will be paying under a Premium Finance plan. We will give you full details of the finance provider, and the additional cost of finance, when we provide you with your payment plan quotation. This will include the total payable, the number of monthly instalments and the cost of each, as well as the representative APR.

We do not need to see a copy of these. We will insure you on the utmost faith that you have experience and qualifications in the area you would like to be insured for. If a claim were made against you, we would then ask to see evidence of your qualification.

Yes, we do not specify how much experience you have or where you studied.

Yes, we can provide cover for you to work outside of the UK as long as you live and are based in the UK and do not have any assets in the country you would like to work in - for example, a house.

As a sports therapist, you may be able to work remotely and if you want to hop on a plane and work abroad, we can provide coverage in respect of civil liabilities in connection with your business for up to 60 consecutive days. This coverage can extend to a client’s property; a rented practice room; and even electronically, via the internet or the telephone. Cover is excluded for any action brought in any court of the United States or Canada.

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

Yes, liabilities for working from home is automatically covered in the policy. Just be aware you should notify your home insurer if you conduct part of your business from home as any property damage to your home will not be covered by our massage therapist policy and will come under your home insurance policy.

If you are having trouble finding insurance for your home because of your work, please contact us to discuss your needs.

This policy does not cover liability arising from any of the following;

  • Eczema sufferers’ electroencephalography, surgical or dental treatment
  • Any medical treatment
  • Any banned or restricted herbal ingredients as defined by the Medicines and Healthcare products Regulatory Agency (MHRA), or banned or restricted herbal ingredients as defined by the Medicines and Healthcare products Regulatory Agency (MHRA)
  • Cannabidiol (CBD) where not regulated as a novel food or a cosmetic within the United Kingdom
  • Any beauty therapies undertaken

We have provided a summary of the significant key exclusions, but please note that full terms, conditions, and exclusions can be found in the policy wording, a copy of which is available through the on-line quotation process.

Please contact us to discuss should you require further information on this matter. 

Read more FAQs

Sports therapy insurance articles and guides

Mitigate the Cyber Risks for Care Businesses Using Cloud Based Services

The risk of cyber crime is increasing, and care and medical organisations are no exception. Find out how to protect your business against this threat.

Read more

Top Tips for Renewing your Care Business Insurance

Read our top tips for renewing your business insurance.

Read more

Are you ready to scale up your business?

When your company is thriving, you may consider scaling up. This article looks at key considerations to take into account when scaling up your business.

Read more

Business Insurance Checklist

Get the best business insurance. Our checklist will help you understand what makes the best business insurance and what you can do to be best protected.

Read more

Do I need a public liability insurance certificate?

A public liability insurance certificate which offers a summary of your policy is a great way to show you’re covered and put your clients’ minds at ease.

Read more

Making Tax Digital for Businesses

Making Tax Digital (MTD) will affect all businesses and is a key element of the government’s plans to make it easier for businesses and individuals.

Read more