Insurance for Physiotherapists
Tailored cover for alternative and complementary therapies
Flexible Professional Indemnity & Public Liability cover limits
Monthly Payment Option Available
Tailored cover for alternative and complementary therapies
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What is physiotherapist insurance?
Just like any small business, physiotherapists face on-the-job risks. This could be anything from misdiagnosing a patient to having someone fall and injure themselves while on the business premises. These risks may put your physiotherapy business under serious financial stress. That’s where business insurance comes in.
Physiotherapist insurance (the different types of business insurance available to a physiotherapist practice) helps you manage the costs of different risks, ensuring your practice can continue smoothly despite unforeseen events.
Why do physiotherapists need insurance?
Physiotherapists may need business insurance to run a practice in Australia, or cover unexpected bills.
Meet the requirements of the AHPRA Physiotherapy Board.
Lease an office or clinic space.
Manage a cyberattack.
Pay legal costs if you face a liability claim.
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
What types of insurance do physiotherapists need?
We offer a range of policies designed to cover your business, office and services. Build an insurance package that suits your needs and buy in minutes.
Popular cover types for physiotherapists:
Physiotherapists could also consider:
How much does physiotherapist insurance cost?
The average cost of business insurance for physiotherapists is $58 with BizCover. However, the cost of your policies will depend on different factors, such as the services you provide and the size of your business.
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
5 easy steps to get instant cover online today
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- Business Details
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How to make a claim online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 Steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
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See how much others have saved while purchasing policy through BizCover
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^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Depending on your needs, you might consider different types of insurance to protect your physiotherapy business. These may include:
- Professional Indemnity insurance*. This policy covers you from claims of alleged or actual professional negligence. For a physiotherapist, this could mean misdiagnosing a patient, using an incorrect technique on a patient, or even a simple lack of communication that could lead to improper care. Even if you have closed your business, a claim could be made against you. Adding run-off cover to your policy may also be a good idea, as it protects you for a period after you’ve cancelled your Professional Indemnity insurance and are no longer actively practicing.
- Public Liability insurance. As an allied health professional, you may work from your own practice, make home visits to patients, or tend to your clients in a hospital or care facility. Public Liability insurance* is there to protect you if someone is injured or sustains property damage due to your negligent business activities. Even a client’s slip and fall could lead to a claim against your business.
- Business Insurance. Business Insurance is a bundled package that can be tailored to fit your unique business needs. As a physiotherapist, you may find it beneficial to consider policies such as Contents, Theft, Building and Business Interruption insurance.
Personal Accident & Illness insurance. The role of a physiotherapist is to look after others and help them get back on their feet. But if you have been injured or become sick, who will look after your business while you recover? Personal Accident and Illness insurance* can reduce the impact on your physiotherapy practice if you are unable to work due to accidental injury or illness.
Hear from our customers
Real-life customer reviews verified by Feefo
Always easy to use the website and any contact has been fantastic and very positive. Thanks for making things so simple and affordable
Nathan O
So easy I am IMPRESSED it took 5mins SERIOUSLY
Cheree M
I have been unsure of what and how to go about purchasing my insurance. Came across biz cover and I felt relieved. Thank you so much guys, I will now wait for my insurance documents to be emailed
Dionne E
Thanks so much this was so simple, and saved me $200 from previous insurance company. Thankful for my friend’s recommendation.
Amanda F
Thanks guys for such a quick and easy transaction…Awesome…5 Star all the way!
Tracy V
This was the most easy and clear process for getting insurance, with choices and options, and most importantly offering the exact insurance I required with an option to add on later. Thank you.
Cooper P
Real-life customer reviews verified by Feefo