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Insurance for Therapists

Instant insurance for therapists. Combines professional indemnity, public liability and products liability insurance

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Instant Proof of Insurance

While you work your magic one client at a time, upcover protects you in just a few clicks!

As a therapist, you help your clients overcome some serious obstacles. Whether working on the human mind or body, the job of a therapist can be risky - you may even be required to purchase insurance before seeing a client.

With upcover's insurance cover for therapists, you can now massage your client's sore spots, cleanse their chakras with Reiki or help them overcome a speech problem as their speech therapist, all at affordable prices!

Get the best of both worlds!

With upcover's therapist insurance, you can now buy both professional indemnity and public and products liability at an affordable combined price - with added benefits too.
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Select from public and products liability insurance limits of up to $20m and professional indemnity limits of up to $10m.
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who we cover

It's quick, it's easy, it's upcover

With upcover, protecting yourself and your work is as easy as checking who's next on your appointment list.

upcover offers insurance cover for the following therapy professions.
Public and products liability and professional indemnity insurance are available from $280 per year*
Massage Therapist
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Speech Therapist
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Physiotherapist
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Counsellors
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Reiki Therapist
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Other 20+ Therapy Professions
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*This is based on an NSW business - a non-public company with average annual revenue of $100,000 and looking for an insurance cover of $10m in public liability and products liability and $1m in professional indemnity insurance with the Healthcare Professionals Civil Liability insurance policy. Please note insurance prices may vary for different occupations, for example physiotherapist insurance prices may start from $458.67.

Protect what you've perfected over years of hard work!

upcover saves time and effort by offering one affordable insurance product that covers both third party injuries and advice related complaints.

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PROTECTS you for

How does this insurance protect therapy professionals?

upcover saves time and effort by offering one affordable insurance product that covers both third party injuries and advice-related complaints.

upcover offers insurance that blends professional indemnity and public & product liability insurance, offering you tailored insurance solutions for therapists at affordable prices

Professional Indemnity Insurance for therapy  (Limits up to $10m)

Qualified, mistakes happen to the best of us.

‍Professional indemnity protects you from claims made against your therapy business in the course of you providing your professional services.

Injuries

You're a physiotherapist and a client claims you used the dry needling technique during a session that led to heart damage.

Bad advice

An occupational therapist recommends that a client can move on to solid foods but this leads the client to choke and sustain further brain injuries.

Negligence

A counsellor filling in for a regular client ends up being overly directive and opinionated in respect to the past advice and support provided, leading to a loss of trust and damage to the client and counsellor relationship.

Public & Products Liability insurance for therapists  (Limits up to $20m)

Public liability insurance protects your beauty business against liability if someone gets injured on your premises or while you are providing your services.
Products liability insurance is for claims made against your therapy business for products supplied or sold by you to a third party. This might be a claim arising from a faulty product or a product that injured someone.

Public liability insurance covers cases including:

Third Party Injuries

While giving massage therapy to a client, you press on a nerve too hard causing a neck injury.

Property Damage

An Amazon delivery person trips over some physiotherapy equipment while delivering your order and injures their shoulder (that's not how you get new clients).

Faulty Products

You resell a box of fidget toys for an autistic client, however, one fidget device is faulty resulting in a choking incident.

Get your certificate of insurance in a matter of minutes!

Whether you need therapy insurance to win clients for your business or to get that hairdresser job, 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 one click!

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COMING SOON

Other insurance requirements of a beauty professional?

Equipment insurance

Your fitness business depends as much on having the right equipment as it does on your skills and prowess. Getting your equipment ready is an expensive and time-consuming process. Having done that, you want to ensure it's protected and that your investment remains safe. This is where equipment insurance comes into play.

This insurance protects your equipment - owned, rented or borrowed.

Cyber Liability Insurance

If you have personal or sensitive information of your clients, you might also want to look at cyber liability insurance. Cyber liability insurance provides coverage from losses due to a cyber-attack event and legal protection from claims arising out of a cyber breach.

Business package insurance

Business package insurance is aimed at business owners and is a comprehensive solution that protects owners against some of the main risks in running a business.

Personal Accident and Illness Insurance

Personal accident and illness insurance comes in handy for times you cannot work owing to an injury or illness.  

While professional indemnity covers you for mistakes made in a professional capacity, personal accident and illness insurance helps with loss of income for periods you can't work.
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FAQs

You Ask, We Answer

What therapy occupations are covered under Allied Health Professionals Insurance?

The following occupations are covered under insurance for fitness professionals:

1.  Acupuncturist - Chinese medicine practitioner
2. Acupuncturist - non-Chinese medicine practitioner
3. Chinese herbal dispenser
4. Reflexologist
5. Counselling
6. Dietician
7. Hydropath
8. Hypnotherapist
9. Kinesiologist
10. Life coach
11. Massage therapy
12. Naturopath
13. Occupational therapist
14. Physical therapist
15. Physiotherapist
16. Psychologist
17. Religious advisor
18. Religious Practitioner
19. Spiritual and Wellness Advisor
20. Spiritual Healing Therapist

What other kinds of therapy related activities are covered for my profession?

The following activities are included for the occupations listed above (listed alphabetically)
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1. Acupuncture Service
2. Alcohol Counselling Services
3. Aromatherapy Service
4. Arts Therapy
5. Chinese herbal dispenser
6. Chinese Medicine
7. Clinical Massage Service
8. Colon hydrotherapy or colonic irrigation
9. Counselling
10. Counselling Service - Marriage
11. Counselling Service - Relationships
12. Diagnostic Sleep Study and CPAP Treatment services
13. Dietician Service
14. Feng Shue
15. Hearing Aid Dispensing
16. Hypnotherapy (including NLP and Sleeptalk for Children)
17. Kinesiology / Applied Kinesiology
18. Life coaching
19. Magnetic Therapy Service
20. Massage (not Adult)
21. Massage Therapy Service
22. Meditation
23. Naturopathy
24. Occupational Therapist
25. Physiotherapy
26. Psychology
27. Reiki
28. Transcendental Meditation Service
29. Welfare Counselling Service
30. Yoga
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