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We know that as a physiotherapist, you’re focused on helping your clients recover, but we also know that there’s always the chance that something could go wrong.
Public liability insurance for physios can cover you for injury or damage claims that are not treatment-related. For example if a client trips on a newly-cleaned floor when they’re entering your clinic.
You can also cover other parts of your business, including your business premises, your tools and your office equipment, and you can add employers’ liability insurance if you’ve got any staff.
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You know your business best, and you should pick your insurance covers based on your activities and the risks you want to cover, but these are some of the business insurance types you may find useful:
Public liability insurance protects you against injury or damage compensation claims made by a member of the public including a client, supplier or passerby. For example, if you failed to tidy away a piece of physio equipment and a client tripped over it and suffered an injury, they could make a compensation claim against you. Note that this doesn’t cover compensation claims for treatment-related injuries or mistakes. You may need another insurance like medical malpractice insurance to cover this risk.
Employers’ liability insurance is a legal requirement for most businesses that employ one or more people. It can pay compensation claims if an employee or ex-employee is injured or falls ill as a result of their work.
Personal accident insurance can pay out if you’re seriously injured or killed, whether in the course of your business or outside of work. Business equipment insurance can pay to repair or replace your crucial physio equipment if it’s lost, damaged or stolen. You can also add business buildings insurance, and business legal protection insurance to your physiotherapist insurance policy if you need it.
The average insurance claim for physiotherapists is £6,713 – could you afford this if the worst happened? (Average claim being £6,713. Based on data from 21 November 2018 - 20 November 2019, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)
Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.
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