Physiotherapists Insurance
Protect your physiotherapy practice from treatment claims, clinical negligence allegations and patient injury disputes with specialist healthcare cover.
Get in touchWhat is physiotherapists insurance?
Physiotherapists insurance is a specialist policy that protects chartered and registered physiotherapists from the clinical risks of treating patients with manual therapy, exercise rehabilitation and electrotherapy. It typically includes professional indemnity, public liability and employers liability.
If a patient claims your treatment worsened their condition or your clinical assessment was negligent, professional indemnity covers the resulting claim and your legal defence costs.
Find cover options from specialist insurers who specialise in covering healthcare practitioners, ensuring your cover meets the requirements of your professional body.
Professional Indemnity
Covers claims arising from treatment errors, clinical negligence or misdiagnosis.
Public Liability
Covers injury or property damage claims from patients visiting your clinic.
Employers Liability
Required by law if you employ staff, covering workplace injury and illness claims.
Buildings and Contents
Covers your clinic premises and treatment equipment against damage or theft.
Who needs physiotherapists insurance?
Private practice physiotherapists
Running an independent physiotherapy clinic
Sports physiotherapists
Treating athletes and sports injuries
Musculoskeletal physiotherapists
Specialising in joint, muscle and skeletal conditions
Neurological physiotherapists
Treating patients with neurological conditions
Domiciliary physiotherapists
Providing treatment in patients' homes
WHY CECIL
Built differently.
Clinical negligence expertise
Physiotherapy claims involve clinical judgement. Cecil works with insurers who have dedicated healthcare claims teams.
Meets HCPC requirements
Cecil finds policies that satisfy the Health and Care Professions Council requirement for adequate professional indemnity cover.
Clinic premises covered
If you run your own clinic, Cecil can include buildings and contents cover for your premises and equipment.
Competitive quotes for all practice types
Whether you are a sole practitioner or run a multi-therapist clinic, Get your cover options from healthcare insurance specialists.
Common questions about physiotherapists insurance
Do physiotherapists need professional indemnity insurance?
Yes, professional indemnity is a requirement for registered physiotherapists. The HCPC requires adequate cover as a condition of registration.
What level of professional indemnity do physiotherapists need?
Most physiotherapists carry between £1m and £5m. Your professional body may set minimum requirements.
Does physiotherapy insurance cover sports massage?
If sports massage is within your scope of practice, your professional indemnity should cover it. Make sure your insurer knows about all treatment modalities you use.
Do I need insurance for home visit physiotherapy?
Yes, your insurance should cover treatment wherever it is delivered. Public liability covers incidents at the patient's home.
Does physiotherapy insurance cover acupuncture techniques?
If you use acupuncture as part of your physiotherapy practice and are appropriately trained, most policies will cover this. Confirm with your insurer.
Interested in Physiotherapists insurance?
We will be in contact when Cecil launches.