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Foot health practitioner insurance

Join over 900,000 UK customers who’ve chosen to insure with us, with cover from £3.19 per month*

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Chiropodist preparing to work on patient‘s foot

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Rated 4.7/5

Based on 39,755 reviews

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Claims paid in 24 hours

For 80% of settled claims

What's on this page

  • Why is insurance important?
  • What does it cover?
  • How much does it cost?
  • How do I choose insurance?
  • How do claims work?
  • FAQs
  • Helpful articles

Why is chiropody insurance important?

Chiropody is a relied-on practice which carries specific risks for UK clinics and professionals. From injuries to legal costs, if you were hit with a claim, would you have the funds ready to handle it, and get back to business as normal? Foot health practitioner (FHP) insurance can provide a solid backstop, letting you focus on the patient.

  • chiropody insurance, UK-based claims and customer service team
  • rated 4.7/5 based on 39K+ public liability customer reviews
  • optional personal accident cover, in case an injury stops you working

Start your quote

What does chiropody insurance cover?

We’ll start with public and product liability insurance, top of the list for lots of UK foot health specialists. This cover can protect you against claims for accidents and injuries, if someone thinks your chiropody business is at fault. You can add other popular covers too, like professional indemnity insurance (known as PI), and protection for your employees, operational equipment and stock.

Public liability insurance for chiropodists

In case you or your employee injure someone or damage their property.

What’s typically covered by public liability insurance?

Claims against your business for:

  • damage to someone’s property, caused by your foot health business
  • an injury or illness caused by your business activities or products
  • accidental damage or injuries caused by your employees

For example:

  • while treating a patient’s ingrown toenail, you cause an injury to the affected area
  • a client slips on your treatment room floor, falling and injuring their lower back

If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your business.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury or illness that happens as a result of working for you (including temps and casual workers)

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • your receptionist trips over a cable you’ve run from your treatment room to a socket, breaking her elbow
  • one of the practitioners you employ scratches their hand on a tool, and the injury becomes infected

Business and office equipment insurance

In case something happens to equipment like your tablet, or your furniture.

What’s typically covered by business and office equipment insurance?

  • accidental damage to your fixtures and fittings, or the equipment you use to run your foot health business
  • theft, flood, and fire damage

For example:

  • your laptop and tablet are stolen during an overnight break-in
  • three of your treatment chairs are badly damaged in a flood over Christmas, and need replacing

Read more about business and office equipment insurance

Tools insurance

In case your chiropody tools are lost, stolen, or damaged.

What’s typically covered by tools insurance?

  • loss, damage, or theft of your professional tools and equipment
  • handheld, portable tools, including electronics
  • cover for your tools in transit in any vehicle owned or leased by you, anywhere in the UK

For example:

  • some new pieces of kit fall out of your bag while you’re walking to a client’s house, and are never recovered
  • three new sets of instruments are damaged in a flood at your clinic, and you need to replace them

Read more about tools insurance

Stock insurance

In case the products you and your clients rely on are lost, stolen, or damaged.

What’s typically covered by stock insurance?

  • loss, damage, or theft of the essentials you keep in stock

For example:

  • you’ve just had six months-worth of stock delivered to your clinic, which gets damaged in a flood overnight
  • your company van, containing essential stock, is stolen overnight – you need to replace everything ahead of a fully-booked Monday schedule

Read more about stock insurance

Legal expenses insurance

In case you’re faced with legal costs from running your business.

  • legal costs that you’re responsible for, within your business
  • property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
  • tax and compliance disputes and investigations you need help with
  • access to expert advice – including a tax advice phone line, confidential 24/7 legal phone line, and crisis PR support to help you protect your reputation as a popular foot health practitioner

For example:

  • a neighbouring business sues you for property damage, and you need to pay legal costs
  • you dismiss an employee and they raise a claim against you – you need to cover the associated legal costs

Read more about legal expenses insurance

Personal accident insurance

In case you or anyone you’ve covered has an accident, at work or elsewhere.

What’s typically covered by personal accident insurance?

  • accidental injury or death of anyone you’ve chosen to cover in your policy – whether this happens at work or elsewhere
  • lost income, hospital bills, or other medical costs associated with the accident

For example:

  • you cut your hand on a tool while working, and need hospital treatment, with two weeks off work
  • your employee (who you’ve covered on the policy) injures their lower back while playing football, and needs a week off work for recovery

Read more about personal accident insurance

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

Insurance for foot health practitioners – how much does it cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £3.19 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

Start your quote

10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.

Example chiropody insurance quotes, real prices

covea insurance

£6.84 /month

£48.41 /month

Independent chiropodist that hires a room at local treatment centre

  • 2-3 years' experience
  • Sole trader
  • No employees
  • Based in Nottingham
  • Public liability

    £1,000,000

  • Employers’ liability

    Not included

  • Contents & business equipment

    Not included

chiswell insurance

£34.38 /month

£305.59 /month

A family run chiropodist ltd company

  • 5+ years' experience
  • Limited company
  • 2 employees
  • Based in Derby
  • Public liability

    £5,000,000

  • Employers’ liability

    £10,000,000

  • Contents & business equipment

    £5,000

How we work out example quotes These examples are real quotes from our online system (created 13/08/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability

£100

£2500

Employers' liability

No excess

No excess

Tools

£60

£500

Stock

£100

£500

Business and office equipment

£50

£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same day

Start your quote

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.

Can I just cover my most expensive tools?

Make sure you cover the total cost of replacing all your tools or you’ll only get a proportion of your claim paid out if something happens to them. Learn about tool cover.

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Will tools insurance cover all my equipment?

Depending on what you use to do your work, you may need other covers.

You may need more than tools insurance – for example, business equipment insurance if you have a work laptop, plant insurance if you use machinery.

Does chiropodist insurance cover my work correctly?

Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider acupuncture insurance or massage insurance?

Do I need cover for other types of work?

If you provide other services, make sure you’re covered:

Other types of insurance

Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.

Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm

Call our team

0333 043 8527

Online

Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

£39 million in claims paid out in 2022

Paying 80% of settled claims within 24 hours in 2022

Example claim

Having chiropodist insurance and other specialist cover through Simply Business has saved foot care practitioners thousands of pounds when the unexpected happened.

Sahid saved more than £22,400

While cleaning his treatment room, Sahid (not his real name) accidentally dropped a medical scanner on its corner. The scanner powered up as normal, but the screen was badly damaged. The optional business and office equipment cover in his foot health practitioner insurance policy helped cover Sahid’s replacement costs.

  • Insurance payout

    £22,448.00

    Covering the cost of accidental damage

  • Sahid’s costs

    £100

    The excess amount stated in Sahid’s policy terms

Chosen by 900,000 small businesses and landlords

We started out as a team of five back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their business insurance.

  • Compare and buy in minutes

    Documents arrive today

  • Rated 4.7/5

    Based on 39,755 reviews

  • Here to help

    Help from UK-based experts

  • 24/7 claims

    Make a claim any time

Foot health practitioner (FHP) insurance FAQ

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about chiropody insurance and other FHP protection. You can also check out our business insurance FAQs.

  • Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a chiropodist, you may also offer training in other healthcare areas – you’ll need additional cover for this, but you can have it all on the one policy.

    When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.

  • If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

Helpful articles for chiropodists

Womanusing laptop and phone to work on taxes

20 May 2021 • 6-minute read

Self employed expenses: what can I claim on tax returns?

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