Coronavirus help and support for our insurance customers

Physiotherapist Insurance

Specialist insurance for physiotherapists, designed to protect you and your clients.

  • Specialist insurance in five minutes from as little as £80.39 (£45.39 for students), with no hidden fees or charges* (T&Cs apply)
  • Discounts available for members of an approved professional body
  • Legal expenses and a 24-hour legal helpline included as standard

Get a quote for your physiotherapist insurance in minutes

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Features of our Physiotherapist insurance

Compensation and legal defence costs

Your policy provides cover for compensation and legal defence costs in the event of claims for professional negligence, breach of confidentiality and injury to clients or members of the public. Knowing that this can be covered by your insurance will give you greater peace of mind.

Taking your business worldwide

Our physiotherapist insurance policy covers you to work anywhere in the world and also includes cover for advice given over the telephone or on internet calls with services such as Skype. We can arrange cover for you for a variety of different work styles.

Extensive liability cover

Professional indemnity forms a vital part of our liability package, which also includes public liability, product liability, and libel and slander cover. With our package, you can be confident that your business is covered against a multitude of legal-related risks.

24-hour helplines for whenever you need advice

Our policy provides a dedicated legal helpline that is available 24 hours a day for individual policy holders, should you ever need to talk through any potential worries. For non-legal matters that you may want to discuss, there is also a 24-hour health ad wellbeing helpline provided by ARAG plc.

£80.39 price terms and conditions

* £80.39 a year price based on a massage therapist insurance policy taking on an indemnity with a limit of £1 million. Price available for new customers only. Price correct as of July 2021.

£1 million limit indemnity level policy is held by 52% of current customers (information correct as of April 2018).

Physiotherapist Insurance Claims

It's important that you have trust in your insurance company, particularly in the event of a liability case being brought against you as this can be a very stressful time. As specialist insurers to hundreds of healthcare professionals, we have the expertise to walk you through the process step-by-step, offering advice from quote to claim.

In the event someone raises an allegation or claim against you, or if you suspect this may happen, please contact us immediately. This will not prejudice your policy, so even if no claim arises you can still have peace of mind.

Need to make a claim?

Our claims handlers are available Monday to Friday between 9am and 5pm to support you. Furthermore, if you have a more urgent concern, we offer a 24-hour helpline.

01438 739 731

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Physiotherapist Insurance FAQs

Is there a restriction on the age of clients I can work with?

No, there is no restriction on the age of your clients. Full cover will be provided for the activities you are insured for regardless of the age of the clients you are providing a service to.

I sell product to some of my clients following our sessions, is this covered?

Yes, we understand that you will often sell products to your clients and so, as standard, we insure up to 20% of your annual turnover for product sales. If more than 20% of your turnover relates to product sales, please let us know as we will need to refer this to our insurer on your behalf for agreement.

I do more than one therapeutic activity, can I get cover for this too?

The short answer is yes. We have an extensive list of over 100 activities that we can cover as standard under our professional liability policy. Just let us know all the activities that you undertake and we will let you know if there are any that we cannot cover, or need to be referred.

How long do I need to keep records for to be compliant with GDPR?

We are not imposing any stipulation in our terms regarding record keeping, so we would always recommend you check if there are any specific requirements from regulatory bodies in your field. In the event of a claim being made, the Statute of Limitations would apply, but all our professional liability customers have access to a free legal helpline which would provide some guidance in this respect.

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