Physiotherapy & Healthcare Clinics

James Hallam ProMed Division of the Seventeen Group of companies providing bespoke Medical Malpractice and Professional Liability Insurance Solutions to corporate entities, independent healthcare practitioners, education consultants, professional associations, trade unions and charities. 

Office & Surgeries Policy  

This package of insurance is suitable for Physiotherapy, Osteopathy and other healthcare clinics.  

The policy includes protection for business assets, revenue and non-treatment liabilities, together with an extensive range of optional covers which you can choose to best suit your needs. 

Why choose James Hallam  

*Subject to policy acceptance

To request a quotation simply select the start a new quote button displayed on this page.

For information on corporate Clinical Negligence and Professional Liability insurance for treatment risks, please go to www.jameshallam.co.uk/promed or speak to one of our advisers.

The following supplementary insurances may also be of interest to ensure maximum protection for your business:

Corporate Clinical & Professional Liability Insurance

The CSP’s PLI scheme is designed for the benefit of individual members rather than corporate businesses. Clinics trading as a Partnership or Private Limited Company should assess their liability insurance needs and purchase separate cover where appropriate. The information leaflet ‘Guide to CSP & Business Insurance’ helps identify the liability covers needed, a copy of which can be downloaded from the above link.

Management Liabilities (Including Directors & Officers Liability Insurance)

Cyber Crime & Liability Insurance

Cyber Crime can have a devastating impact on any business operating IT and internet platforms. Please call one of our professional advisers on 01245 321185 for details of cover available.

If you require assistance or further information please send an email or call one of our advisors on 01245 321185.

Client Portal

View and download your policy documentation please head to your client portal log in

Medical Liability Insurance for Physiotherapy and other Healthcare Businesses

Any business offering healthcare services will be legally accountable for the harm caused to patients by their employees, associates or others they engage on an independent or self-employed basis.

There are a number of options for physiotherapy businesses to insure their clinical negligence liabilities including (but not limited to) the following:-

1. As from the 1st July 2023 private limited companies and partnerships with a turnover not exceeding £200,000 in the last financial year will be included under the terms of the CSP’s PLI Scheme for member’s in respect of Medical Malpractice Insurance. This is subject to the business operating within the scope of Physiotherapy Practice, all Physiotherapists retaining CSP Membership and HCPC Registration and the business being solely owned by CSP Members. If not any additional shareholders must be silent. The definition of a Silent Shareholder is any parties that have a financial interest in the business but are not qualified clinicians and/or previously qualified clinicians and nor are involved in the planning and/or delivery of any Clinical Services. The exception to this is Physiotherapists retaining CSP Membership and HCPC registration. The cover is subject to the terms of the MPLC Policy (details available from https://jameshallam.co.uk/promed/physiotherapy-members/).
   For more information please see the downloads available from this page including the MPLC Policy Wording, Summary of Cover and Business Liability Guide.Important Note: No Public Liability insurance is provided for private limited companies which must be separately arranged. No cover is provided under this policy for activities outside the scope of Physiotherapy practice, quotations for separate insurance are available on request. 
2. ‘All other corporate entities including private limited companies and partnerships owned solely by CSP members (with the exception of Silent Shareholders – please refer to Policy Definition) with an annual turnover between with an annual turnover between £200,000 and £300,000 can purchase similar cover as an extension to the Member’s PLI scheme at discounted rates. To apply for this please do so via the MPLC portal. In all cases cover does not include Public Liability insurance for private limited companies or non-Physiotherapy activities for which separate cover should be arranged, together with any other insurance appropriate to the business needs and requirements.
3. All other organisations and corporate entities including businesses offering non-physiotherapy services, can obtain quotations for a Medical Liability policy underwritten by RSA which includes Medical and Public Liability insurance combined. This policy is separate to the CSP PLI Scheme and is designed to provide liability cover which cannot be accommodated as an extension to the Members PLI Scheme. Quotations are available subject to completion of the on-line ‘Application Form’ available on this page. Copies of the Summary and Policy Wording are also available as downloads from this page under ‘RSA Summary of Cover’ and ‘RSA Policy Wording’ respectively.

Important Notes

• The cover provided under options 1 and 2 is an extension to the Members PLI Policy currently underwritten by MPLC, a summary of which is available as a download from this page under ‘Summary of CSP Members PLI Cover’ together with the full Policy Wording ‘CSP Members Medical Professional Liability Policy’.
• All applicants should refer to the ‘Guide to Insurance Cover and Options for Physiotherapy Businesses’ available as a download from this page prior to purchasing cover and obtain legal and insurance advice to ensure the appropriate cover for the business is purchased to meet its needs and requirements.
• Applicants are requested to read our Privacy Notice, of which is available as a download from this page.

Help and advice is available from our team of insurance advisors on 01245 321185 or by email promedschemes@jameshallam.co.uk.

Optional & Other Covers

Private Practice Insurance

Members operating private clinics can insure the practice assets, revenues under a comprehensive package of covers which includes also Employers Liability, Public Liability, and a range of valuable Legal Expenses Insurance.

Management Liabilities

Including Directors & Officers Liability, Employment Practices and Corporate Liability Insurance. Please call one of our professional advisers on 01245 321185 for details of cover available.

Cyber Crime & Liability Insurance

Cyber Crime can have a devastating impact on any business operating IT and internet platforms. Please call one of our professional advisers on 01245 321185 for details of cover available.

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For help and advice on any of the products please speak to one of our professional advisers on 01245 321185 or email us

Downloads

• Guide to CSP and Business Insurance
• RSA Summary of Cover
• PLI Summary of Cover
• RSA Policy Wording
• Quick Reference Guide
• CSP Members Medical Professional Liability Policy Wording

Equipment Insurance

Most healthcare professionals will own or lease diagnostic or treatment equipment, which can be expensive to repair or replace if stolen or damaged.

Unless already covered under a Private Practice policy, healthcare professionals can separately insure their equipment up to a value of £5,000 for the following covers:

• All Risks Insurance
• World-Wide Cover up to 90 days
• Underwritten by Aviva
• The first £100 of any claim is excluded, and certain security conditions apply

See the link to the application form to the right, also see the downloads section for more details.

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Downloads

• Policy Wording