Sports therapist insurance

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Sports therapist insurance
Sports therapist insurance
Sports therapist insurance
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What is sports therapy insurance?

Insurance for sports therapists isn’t typically a single insurance product. It generally consists of two or more products to address the individual insurance needs of a sports therapy practice.

Most sports therapists will require both professional indemnity and public liability insurance as a minimum to protect themselves against the risks of their profession. Other covers will depend on your individual situation.

How much does sports therapist insurance cost?

Professional indemnity insurance for sports therapists starts from £7.67 a month and increases depending on the required insurance limits, business size, and claims history.

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
Self employed professional indemnity insurance

Professional indemnity

from £9.54 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 £20.41 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 £22.78 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

Included
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...

Chezza
on Trustpilot
14 February
Great!

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...

Mokolada
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 sports therapists need insurance?

If you are a sports therapist and registered with a professional body, you will be typically required to have certain types of insurance.

Even if you are not registered, practising sports therapy without liability insurance is risky. Sports therapists offer services to clients who have a physiological problem. If the issue worsens rather than improves, you may be blamed and asked for compensation. 

Making an injury worse

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

Blame for loss of earnings

If a client alleges your treatment made their injury 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.

Unfortunate accidents

As a sports therapist, you will be using certain equipment and either have clients coming to you or visiting them at home. There are plenty of scenarios where an accidental fall or slip could end up in a claim against you.

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 sports therapists

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

Professional indemnity insurance offers qualified legal assistance to defend your position, regardless of fault. 

In the event that compensation is likely, the insurance will also cover the costs. Professional indemnity cover is usually required by professional bodies and it is also essential for receiving referrals from insurance companies and other business partners like GPs.

Occasionally, you may encounter the term 'medical malpractice insurance for sports therapists.' Essentially, this is just an alternative name for professional indemnity insurance tailored to sports therapists.

What does sports therapy professional indemnity insurance cover?

Professional indemnity insurance protects sports therapists 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 said something wrong or acted in a discriminatory manner

What professional indemnity limit do sports therapists 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 sports therapy practice, the higher the limit you will need.

Switching your professional indemnity insurance

In the UK, most professional indemnity insurance is sold on a “claims-made basis”. This essentially means two things:

  • You must have an active policy at the time a claim is made; and
  • The policy period on your active policy must cover the time when the work was performed

When you cancel your professional indemnity policy, you can no longer make claims against that policy.

If you change provider, ensure your past work is covered by adding what is called “retroactive cover”.

Should I keep professional indemnity insurance if I close my sports therapy practice?

It’s wise to keep your professional indemnity if you close your sports therapy practice. Claims against sports therapists for professional misconduct or malpractice can surface months, sometimes 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. 

With Suited, you don’t have to pay full price if you no longer work as a sports therapist. You can hibernate your policy, allowing you to stay insured for past work at a much-reduced cost. You can leave your policy in hibernation as long as you like.

Public liability insurance for sports therapists

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

Nearly all sports therapists 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 sports therapy 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, demanding financial compensation
  • A client may accuse you of causing damage in their home. Even if you believe it wasn’t your fault, you may still end up with a compnesation demand.

Other insurance sports therapists might need

Commercial legal expenses insurance

Most commercial legal expenses insurance will protect you 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 you in dealing with these issues. We call this Business Legal Protect, and it’s part of your subscription.

Business equipment insurance

Sports therapy 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.

Shopping for sports therapists liability insurance

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

Price isn’t everything

Some providers offer rock-bottom prices, but after-sales service could be lacklustre. Check how easy it is to get in contact with your insurance provider. At Suited, we offer several options and answer quickly.

The reputation of the insurer is important

Insurance needs to be there when you need it most. The payout reputation of an insurer is essential. Suited uses financially sound insurers with an A+ rating.

Many providers charge fees to amend or cancel

Low initial prices often hide additional charges to pay monthly, amend or cancel your policy. At Suited, we charge no extra fees, and you can cancel anytime with no more to pay.

Some policy wordings are restrictive or have a high excess

Some providers will offer attractive prices, but it is at the expense of cover given. Suited professional indemnity and public liability have £0 excess.

In this section
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FAQs

Common questions

Where does Suited insurance for sports therapists cover me?

You are covered whether you work from your premises, remotely, or visit your clients at their homes. If you provide services to clients based in the US or Canada, be aware that legal claims brought against you in those countries would not be covered.

My sports therapy treatments include dry needling and acupuncture. Will Suited cover those activities?

Unfortunately, at the moment, Suited cannot offer cover for any skin-penetrating treatments.

Do I need to submit evidence of my qualifications before buying the insurance?

Suited does not require any evidence of your qualifications, but we ask that you are fully qualified for your profession or in formal training by an accredited body. You may be asked to produce evidence in the event of a claim.

Does Suited offer insurance to sports therapy students?

Yes, Suited covers students in formal training with an accredited body or organisation.

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Sports therapist professional indemnity insurance
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Go retroactive

Include retroactive cover to insure previous work.

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

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* 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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