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Insurance for Physiotherapists

Instant Physiotherapists insurance that combines professional indemnity, public liability and products liability

Starts from $487 per year

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What is covered under this insurance policy for Physiotherapists?

Physiotherapy insurance under the allied health professionals insurance covers physiotherapists and is designed to include both professional indemnity insurance and public and products liability insurance.

The policy is suitable for physiotherapists working remotely, with an institution or running their own practice. 

Insurance for physiotherapists can cover those working full time, part time as a student or as a freelancer . 
Public Liability

Public liability insurance protects you and your business against any liability if someone is injured on your premises or while you are providing your physiotherapy services in Australia.

Professional Indemnity

Professional indemnity insurance protects you for claims made against your physio business in the course of providing your professional services in Australia.

Property Damage

Products liability insurance protects you for claims made against your physiotherapy business for any products sold or supplied by you to a third party in Australia.

Investigation Costs

Investigation costs cover legal costs and expenses in responding to an investigation from an official body on a complaint made against you or your business physiotherapist business.

Defamation

Protects you and your business against any actual or alleged defamation, or harm to the reputation of a third party online or in public in relation to the provision of your physiotherapist services.

other benefits

Value added benefits of the physiotherapist insurance policy

Contract Review

This entitles you to four contract reviews each year you have your physiotherapist insurance. This can be used for any contract that might impact your insurance policy. An example of this might be retaining a contractor.

Complimentary Legal Advice

This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.

Whistleblower Hotline

You and your business employees can access a Whistleblower Hotline that is provided by our insurance partner at no additional cost to you.

events covered
Physical Injury

After a series of physiotherapy sessions with you to treat their carpal tunnel syndrome, a client alleges you’ve worsened their condition.

Trips, Slips and Falls

During a group physiotherapy session, your client falls and blames you for not providing a safe environment.

Negligence

You’re treating a sports person for an injury to their ankle. You suggest dry needling but are not properly qualified for this - a couple of sessions on this and therapy to the ankle exaggerate the injury as they do not take into account past injuries to the ankle leading to further damage so that it cannot bear weight, the sportsperson misses an important program and misses tryouts for the Olympics, blaming your inappropriate advice and treatment.

Error of Judgement

Your client accuses you of preparing a physiotherapy program that made their recently injured shoulder worse, leading to them returning to work earlier than necessary and further damaging the shoulder - which now requires a full reconstruction. The client needs to take months off work as a labourer

Bad Professional Advice

You recommend some home exercises to a client suffering from backache but the exercises lead to further deterioration of their condition necessitating bedrest and time off from work.

Third Party Damage

In a physiotherapy session at a client's home, you knock over and break an expensive heirloom .

exclusions

What is not covered (exclusions) under physiotherapist insurance policy?

Abuse

Abuse excludes cover for any insurance claim that might arise from actual or alleged verbal, physical, sexual abuse, molestation, assault, battery or violence.

Dishonest / wilful acts

Dishonest and/or wilful acts exclude cover for any insurance claim that might arise from dishonest, fraudulent or criminal acts.

Alcohol and Drugs

This excludes cover for any insurance claim that might arise from use of alcohol, illegal drugs, narcotics and intoxicants

*For all policy exclusions, please refer to the policy wording and general terms & conditions.

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Other occupations covered

Check out some other occupations covered under the Allied Health Professionals insurance policy

Natural therapists
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Massage therapist
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Speech Pathologist
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Counselling therapist
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Psychologist
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Other 20+ therapy Professions
See More
how upcover works

How upcover works

To get your instant quote, all you need to enter is your occupation as a physiotherapist and your expected income! No emails, no name, no personal information!

Get instant proof of insurance instantly

Whether you need to get physiotherapist insurance to win that client or to conduct therapy sessions at your workplace, having a certificate of insurance at your fingertips certainly helps!

With upcover, you can get your certificate of insurance instantly. Even better, you can share it with just one click!

The sky’s the limit!

With insurance limits of up to $10m professional indemnity and $20m public and products liability, plus reinstatements, physiotherapy insurance is the perfect solution for physiotherapists and physiotherapy service providers.
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FAQs

You asked, We answer

Why is physiotherapy insurance important?

Physiotherapists work on a broad range of health issues related to the muscles, bones, nerves and other systems of the body. Apart from massages, stretches, and exercises, physiotherapists also offer advice aimed at leading a better lifestyle and managing health issues.
A notable element of a physiotherapist's profession relates to giving advice and thus involves risk. Sometimes mistakes happen and things do not go according to plan. If your client holds you responsible, it could put everything you have worked for at risk.
Professional Indemnity insurance protects you and your business against any advice you give to your clients.

All physiotherapists are mandatorily required to be registered with the Australian Health Practitioner Registration Agency (AHPRA). They are also required to have insurance.

You may still be required to get insurance even if you are working as a part time physiotherapist or a contractor.

What can a physiotherapist be sued for?

While we hope it doesn't happen, physiotherapists can potentially be sued for:
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• Covering medical costs (current and future) for a client that is injured
• Loss of a client's earning capacity when the client is off work
• Additional compensation if the damage to the client is permanent/long-lasting
• Mental trauma, pain and suffering of the client from the injury

What limits are available with upcover?

You can get covered today with tailored physiotherapy insurance that provides public & products liability insurance limits available up to $20m, and professional indemnity limits available up to $10m.

Who is upcover?

upcover is an insurtech that works with the oldest insurance markets and global leaders in insurance innovation. All insurance products are underwritten by ProRisk. Our aim at upcover is to make it super easy for small businesses to buy insurance and be well-informed about their choices.

What occupations are covered under physiotherapist insurance?

1. Physiotherapist
2. Fitness Physiotherapy
3. Physical therapist
4. Physiotherapist services
upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd (AFSL 539078).
upcover is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”) and Mercurien Insurance Pty Ltd ABN 68 150 845 177,  AFSL No 480284 (“Mercurien”). upcover markets insurance products and services on behalf of Armada and Mercurien respectively. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance is underwritten by Professional Risk Underwriting Pty Ltd  ABN 80 103 953 073 AFSL 308076 (“ProRisk”) under an authority to bind cover on behalf of Swiss Re International SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”) or Mercurien on binding authority from Assetinsure Pty Ltd ABN 65 006 463 803, AFSL 488403. Armada, ProRisk, Mercurien and upcover and their employees act as agents of Swiss Re and Assetinsure Pty Ltd, not as your agent. Neither ProRisk, Armada, Mercurien or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs.
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Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available and consider whether it's appropriate before making any decisions about whether to buy a product.
© Copyright 2019 - 2023 upcover Pty Ltd ABN 17 628 197 437, CAR 1299211 of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078