Physiotherapy insurance

Secure physiotherapy insurance quickly and without fuss. We're simply priced, flexible and upfront.

Rating: 4.8 - 24 reviews
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Insurance for physiotherapists
Insurance for physiotherapists
Insurance for physiotherapists
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What is physiotherapy insurance?

Physiotherapist insurance isn’t a single insurance product. It’s usually several products you select to address the individual insurance needs of your physiotherapy practice.

Most physiotherapists will require both professional indemnity and public liability insurance. Commercial legal expenses insurance is also a valuable cover for physiotherapists. Electronic business equipment insurance is beneficial if you rely heavily on electronic equipment.

Self employed professional indemnity insurance
Professional indemnity

from £7.67 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £8.89 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£7.00 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

on Trustpilot
14 February

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
In detail

Why do physiotherapists need insurance?

It is usually a requirement for any physiotherapist registered with a professional body to have certain types of insurance.

Even if you are not registered, practising physiotherapy without liability insurance is unwise. There have been plenty of claims against physiotherapists over the years, which tend to be quite costly.

Making an injury worse

Sometimes, despite your best endeavours, a client may claim your physio treatment or advice worsened their condition.

Blame for loss of earnings

If a client alleges your treatment made things worse and resulted in being unable to work, they could ask you to pay for their loss of earnings.

Accusations of failing duty of care

Clients meet you in private settings and expect a professional code of conduct. They may make a legal claim against you if they feel you've acted unprofessionally.

Professional misconduct

Working closely with clients opens physios to claims of inappropriate behaviour during a treatment session.

The threat of being struck off

Even when not at fault, a complaint from a client or colleague may result in you being struck off a registered list of approved providers; in some cases, this may cost you your career.

Professional indemnity insurance for physiotherapy

Professional indemnity insurance protects physiotherapists from accusations of professional mistakes, negligence, failing duty of care, etc.

Whether at fault or not, professional indemnity insurance will provide qualified legal help to defend your position. If it comes to it, the insurance will also pay any compensation due.

Professional indemnity is one of the covers required by industry regulators, insurance companies sending you referrals and other business partners such as GPs.

Sometimes, you might come across the term ‘medical malpractice insurance for physiotherapists’. In essence, it is just a different name for professional indemnity insurance for physiotherapists.

What does physiotherapy professional indemnity insurance cover?

Professional indemnity insurance protects physiotherapists from claims or accusations of wrongdoing from their professional advice or work product.

Cover includes:

  • Failing your duty of care
  • Making a mistake
  • Acting negligently
  • Giving the wrong advice or recommendation

For example:

  • Your client alleges that your treatment failed to deliver expected results, and they want their money back, or they’re suing you to do more for free
  • Your client claims compensation because they believe your work led to further injury preventing them from work
  • You are accused of sharing a client's confidential information
  • You said something wrong or acted in a discriminatory manner 

What professional indemnity limit do physiotherapists need?

The professional indemnity limit you need for your practice should reflect the size and nature of your business.

Consider the following:

  • Are you a member of a professional body that requires professional indemnity? If so, do they specify a necessary limit of liability?
  • How many clients do you treat in your practice?
  • Do you work with partners?
  • What could the financial impact be if one or more treatments go wrong?

Generally, the more extensive and complex your physiotherapy practice, the higher the limit you will need. 

Switching your professional indemnity insurance

Typically, in the UK, if you cancel a professional indemnity policy, you can no longer claim against it.

Therefore, if you switch your physiotherapist insurance provider, be sure your new policy covers your past work; this is called “retroactive cover”.

Should I keep professional indemnity insurance if I close my physiotherapy practice?

It’s wise to keep your professional indemnity if you close your physiotherapist practice. Claims against physiotherapists for professional misconduct or malpractice can surface months or years after you deliver the work.

If a past client sues you for damages and you have cancelled your professional indemnity, you will not be covered.

How long you keep your cover in place is up to you; consider the type of work you did, how long you worked and the likelihood that a client might bring a claim against you. 

Public liability insurance for physiotherapy

Public liability insurance covers risks faced by physiotherapists in their face-to-face work. 

Nearly all physiotherapists see clients in person, so it’s wise to have a public liability insurance policy.

Public liability is an inexpensive cover that responds to claims of causing accidental harm to someone or their property. That someone could be your client, but it could also be a third party you come in contact with during your work.

What does physiotherapy public liability insurance cover?

Public liability insurance is valuable when faced with injury claims and compensation demands.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example:

  • A client visits your premises and is injured in a slip or fall
  • You visit a client site and damage equipment by knocking over a coffee

Other insurance physiotherapists buy

As a physiotherapist, your insurance needs may differ based on your unique circumstances. It's important to ask yourself certain questions such as: Are you financially prepared for a legal dispute? Could negative publicity negatively impact your business reputation? Is your work heavily reliant on expensive computer equipment? How would you manage your business expenses in the event of an illness?

Commercial legal expenses insurance

Most commercial legal expenses insurance will protect physiotherapists against various tax and legal issues you may encounter due to your profession, which are not covered by professional indemnity or public liability.

At Suited, we combined £100,000 of commercial legal expenses insurance with helplines and other tools to better assist physiotherapists in dealing with these issues. We call this Business Legal Protect, and it’s part of your subscription.

Business Legal Protect offers qualified advice and assistance with:

  • Legal and tax matters concerning your business
  • Criminal prosecution
  • Unpaid invoices (over £200)

For example:

  • HMRC investigates your tax affairs
  • You are facing an investigation from a professional body
  • You need legal help chasing a significant unpaid invoice
  • You’re being taken to court for breach of contract

Business equipment insurance

Physiotherapy is getting much more technical, and some equipment can be costly.

If damaging or even losing an expensive piece of equipment would financially strain your bank balance, consider reducing the risk with electronic business equipment insurance.

Income protection for physiotherapists

To earn, you have to be physically present at your work. That may not be possible if you’re very ill and unable to work.

It’s wise to consider the financial burden if an illness takes longer to recover from. How would you financially cope?

Income protection insurance can be a welcome safety net during those times and provide a substitute financial help for up to a year or until you’re again to work.

Life insurance for physiotherapists

As a self-employed individual, you may not receive employee benefits like death in service benefits. This makes it even more important to safeguard your loved ones in case of any unfortunate events.

As a self-employed physiotherapist with a family, it's crucial to consider the future and plan accordingly. It may be helpful to consult a life insurance specialist who can guide you through the available options and assist in designing a cover that best suits your family's needs. Remember, protecting your loved ones should always be a top priority.

Physiotherapists we insure

Suited offers comprehensive insurance policies that cater to the needs of a wide range of physiotherapists, including:

  • Aquatic physiotherapists
  • Hand therapists
  • Home health physiotherapists
  • Musculoskeletal physiotherapists
  • Occupational physiotherapists
  • Pain management physiotherapists
  • Rehabilitation and physical therapists
  • Respiratory physiotherapists
  • Sports therapists
  • and more..

Shopping for physiotherapy liability insurance

Whether or not you decide to use Suited for your physiotherapy insurance, it’s worth keeping the following in mind:

Cheap physiotherapy insurance

When selecting a physiotherapist insurance provider, it's important to consider more than just the price. Trustworthiness and reliability are also crucial factors. Suited is a great choice as we offer multiple communication options to ensure you receive prompt and dependable support.

The reputation of the insurer is important

When it comes to insurance, you must have reliable coverage when you need it the most. That's why Suited partners with financially stable insurers who have a proven track record of prompt payouts and hold an A+ rating.

Many providers charge fees to amend or cancel

Be aware of low initial prices that may seem appealing, as they often conceal additional fees for monthly payments or policy amendments and cancellations. At Suited, we never charge any extra fees, and you can cancel your policy anytime without any further payments required.

Some policy wordings are restrictive or have a high excess

Some insurance providers may provide attractive prices, but at the expense of limited coverage. With Suited, you can be confident that our professional indemnity and public liability policies have a £0 excess, providing you with comprehensive protection.

In this section
Suited awards.

Common questions

If I ask another physiotherapist to cover my session, will it be covered by my insurance?

Suited professional indemnity insurance for physiotherapists does cover subcontractors’ work. However, your subcontractors should be also suitably qualified and insured.

Will Suited physiotherapist insurance cover my past work?

Yes if you make that selection when buying with Suited for the first time. You can go back 6 years.

I’m going back to being employed again, can I cancel my Suited insurance?

Yes you can but before you do so consider whether you should maintain your professional indemnity insurance for a period of time. Claims are not always made against you straight away and without valid PI cover, you’re not protected. With Suited you can opt to hibernate your cover, meaning you pay less while staying insured for the past as long as you require.

Is professional indemnity insurance for physiotherapists the same as physiotherapy malpractice insurance?

Yes, these are two different names for the same insurance cover.

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
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Physiotherapist public liability insurance
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More flexible

Make changes instantly, easily and for free.

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No extra fees

We give you one price, no APR or hidden extras.

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Go retroactive

Include retroactive cover to insure previous work.

Holiday umbrella.
Holiday mode

Pay less when not working by hibernating your PI cover.

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Be confident knowing your cover is backed by trusted UK insurers.

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UK support

Get help when you need it from our Bristol based team.

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Call us with any questions or queries. Our Bristol based team is available from Monday to Friday and answers straightaway.

Monday-Friday, 8:30am to 5:30pm

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If your plans change

No problem, Suited uses a simple subscription model making it easy to walk away.

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14 day promise *

If you call to cancel within the first 2 weeks we’ll give you a full refund.

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Easy to cancel

No longer need us? Cancel anytime, no more to pay.

* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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