Physiotherapy Insurance

Private Practice Insurance for Physiotherapy & Sports Injury Clinics

This highly competitive package of insurance covers is ideally suited to Physiotherapy Clinics, operating from a home base or commercial premises. Special discounts and terms are available to CSP, Physio First and AACP members.

The policy includes valuable protection for business assets, revenue and non-treatment liabilities, together with an extensive range of Commercial Legal Expenses cover with access to legal and 24/7 helplines.

To order a written quotation simply complete and submit the application form available as a download from this page. If you require help or further information please speak to one of our professional advisers on 01245 321185 or click here to send us an email.

For information on corporate Clinical Negligence and Professional Liability insurance for treatment risks, please go further down the page or speak to one of our advisers.

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

Locum Cover

(PRACTICE COVER | LOCUM INSURANCE FOR GPS AND DENTISTS | OVERHEADS INSURANCE)

This insurance is particularly valuable to cover the temporary expense of replacing key members of the business as a result of injury/illness

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

Criminal Prosecution Defence Cover

This new policy provides generous defence costs for healthcare professionals accused of inappropriate or criminal behaviour, with access to a 24/7 legal helpline as standard. Prices start from as low as £25 per year plus insurance tax

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.

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 1 July 2020 businesses comprising private limited companies or partnerships owned entirely by CSP members are now included within the CSP Member’s Medical Professional Liability insurance provided annual turnover does not exceed £75,000.  The cover is subject to the terms of the MPLC policy (details available from https://jameshallam.co.uk/promed/physiotherapy-members/) in respect of claims arising only within the scope of physiotherapy practice resulting from the negligence of CSP members engaged in the business.  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 an annual turnover between £75,000 and £300,000 can purchase similar cover as an extension to the Member’s PLI scheme at discounted rates.  Application forms are available from the downloads on this page “Medical Professional Liability Application Form for private limited companies and partnerships owned by CSP members”.  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

Locum Cover

This insurance is particularly valuable to cover the temporary expense of replacing key members of the business as a result of injury/illness.

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.

Criminal Prosecution Defence Cover

This new policy provides generous defence costs for healthcare professionals accused of inappropriate or criminal behaviour, with access to a 24/7 legal helpline as standard. Prices start from as low as £25 per year plus insurance tax.

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.

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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