Physiotherapy insurance

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Insurance for physiotherapists – why is it important?

From chronic pain to acute injuries, physiotherapists handle all sorts. You’re providing practical treatment, but running a business too, so balancing everything can be a stretch. When it comes to physiotherapy insurance, professionals usually build a policy around public liability insurance, adding protection for employees, equipment, legal costs, and more, depending on what’s required.

public liability insurance – physiotherapist liabilities covered from £1 million
pay monthly or annually, whatever works for your company
peace of mind, letting you focus on your patients, not the what-ifs

What does physiotherapist insurance cover?

Your physiotherapy insurance quote usually starts with public liability protection (built to cover damage and injuries), plus employers’ liability insurance for anyone working for you. It’s a legal requirement for most UK employers. We can add equipment and tools cover too – a priority for many health professionals – and other options like legal expenses insurance and personal accident insurance.

Public and product liability insurance

In case your physio business causes an injury or property damage.
Employers’ liability insurance

In case anyone gets ill or injured while working for your physio business.
Business and office equipment insurance

In case something happens to your essential kit.
Tools insurance

In case the tools you use for work are lost, stolen, or damaged.
Stock insurance

In case something happens to the materials and products you keep in supply.
Legal expenses insurance

In case you have to pay legal costs connected with your physio business.
Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or elsewhere.

Public and product liability insurance

In case your physio business causes an injury or property damage.

What’s typically covered by public liability insurance?

Claims against your business for:
- damage to someone’s property, caused by your physio business
- an injury or illness caused by your business activities or products
- accidental damage or injuries caused by your employees
For example:
- a patient trips over a piece of equipment while changing after an appointment – she needs hospital treatment
- you forget to put up a wet floor sign and a visitor in your premises slips and falls, breaking his ankle
**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 physio 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:
- a student physio you’ve taken on slips on a wet floor in your treatment room, injuring her back
- one of your employees traps her hand in the door while locking up your premises, and needs hospital treatment
Business and office equipment insurance

In case something happens to your essential kit.

What’s typically covered by business and office equipment insurance?
- theft of the equipment you use to operate, from your laptop to your therapy couch
- loss of your equipment
- flood, fire, or accidental damage
For example:
- your new sports therapy couch is damaged during a deep clean, and you need to replace it
- while taking payment, your employee drops your clinic’s tablet, shattering the screen
Read more about business and office equipment insurance
Tools insurance

In case the tools you use for work are lost, stolen, or damaged.

What’s typically covered by tools insurance?
- loss, damage, or theft of your trade tools and specialist professional equipment
For example:
- an employee you’ve just hired loses her kit bag on the way to work, and everything needs replacing
- a number of your laser therapy tools are stolen from the back of your car while you’re at a service station
Read more about tools insurance
Stock insurance

In case something happens to the materials and products you keep in supply.

What’s typically covered by stock insurance?
- loss, damage, or theft of your consumable stock and other materials
For example:
- a flood in your clinic damages your stock of PPE and hygiene refills, delaying a day of bookings
- you invest in a large order of lateral flow tests for the clinic, which are stolen from your reception area
Read more about stock insurance
Legal expenses insurance

In case you have to pay legal costs connected with your physio business.

What’s typically covered by legal expenses insurance?
- legal costs attributed to your physio business
- property damage, nuisance, or trespass and associated legal costs
- HMRC, tax, and compliance issues, if they come up
- includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis PR support to help you protect your professional reputation
For example:
- if an employee is injured at work and brings a case against you
- if your site is vandalised and you bring a case against the vandals
Read more about legal expenses insurance
Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or elsewhere.

What’s typically covered by personal accident insurance?
- injury or death at work or outside of work, for anyone covered on the policy
- lost income, medical costs and hospitalisation benefit
For example:
- you break a bone in your foot while playing football, and need ongoing treatment
- a physiotherapist you’ve hired suffers a bad head injury while reaching for a piece of equipment, and needs a phased return to work
Read more about personal accident insurance

How much does physio insurance 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 £4.74 per month

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The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.

Example physiotherapy insurance quotes, real prices

£7.77 /month

£57.74 /year

A part time physiotherapist that works in clients’ homes

1-2 years’ experience
Sole trader
No employees
Based in Leicester

Public liability

£1,000,000

Employers’ liability

Not included

Contents & business equipment

Not included

£78.09 /month

£694.11 /year

A family run physiotherapist company that work in private practices and community health centres

5+ years’ experience
Limited company
2 employees
Based in Belfast

Public liability

£2,000,000

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 25/10/2022). 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

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Contact us on our website whenever suits you

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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 team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

83% of claims were settled in 2023

The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.

Example claim

Having physiotherapist insurance through Simply Business has saved practitioners thousands of pounds when the unexpected happened.

Reina saved more than £890

While charging her laptop, Reina (not her real name) knocked part of the screen with the end of her charger, causing it to black out. The optional business and office equipment cover in her physiotherapist insurance policy helped cover Reina’s repair costs.

Insurance payout

£895.50

Covering the cost of accidental damage

Insurance payout

Covering the cost of accidental damage

Physiotherapy 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 insurance for physiotherapists. You can also check out our business insurance FAQs.

Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.

If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

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 installments.

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 0146 683. 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

Physiotherapy insurance

Insurance for physiotherapists – why is it important?

What does physiotherapist insurance cover?

Public and product liability insurance

What’s typically covered by public liability insurance?

Employers’ liability insurance

What’s typically covered by employers’ liability insurance?

Business and office equipment insurance

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

Tools insurance

What’s typically covered by tools insurance?

Stock insurance

What’s typically covered by stock insurance?

Legal expenses insurance

What’s typically covered by legal expenses insurance?

Personal accident insurance

What’s typically covered by personal accident insurance?