Insurance for Physiotherapists
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Tailored cover for alternative and complementary therapies
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What is physiotherapist insurance?
Physiotherapist insurance is coverage customised to protect you and your practice from lawsuits, financial losses and injuries against day-to-day operations. It can cover you for:
- Errors, omissions or negligent professional advice or treatments.
- Injury to a patient while at the practice.
- Theft, loss or damage to business equipment,
- Legal costs and compensation associated with covered claims.
Public Liability and Professional Indemnity insurance are two of the most commonly considered policies by physiotherapists. Professional Indemnity insurance is a legal requirement for physiotherapists under the National Registration and Accreditation Scheme. All practising physiotherapists in Australia are legally required to have adequate level of professional indemnity insurance. Cover must include run-off cover.
BizCover offers flexible, customisable insurance options to meet the specific needs of physiotherapists, including cover limits up to $10m for Professional Indemnity insurance.
Cover highlights
- Civil liability cover for claims arising from your professional services
- Public Liability insurance for third-party injury or property damage claims.
- Cover options for group exercise, personal training, and other approved professional activities.
- Approved alternative and complementary therapies options.
- Breach of confidentiality.
- Fidelity cover for losses arising from employee dishonesty.
- Additional policy features such as unlimited retroactive cover, unlimited run-off cover, or a no-fee excess
Why do physiotherapists need insurance?
Physiotherapists are legally obligated to hold Professional Indemnity. Employers might offer insurance, but it’s your responsibility to make sure you hold an adequate amount of cover. Beyond that, insurance can help physiotherapists cover unexpected claims – such as Public Liability insurance and Tax Audit insurance.
| Industry-specific Risks | General risks |
|---|---|
| Allegations of misdiagnosis or inappropriate treatment. | Slips, trips and falls involving patients or visitors. |
| Incorrect treatment that results in injury or worsens a patient’s condition. | Theft or damage to business equipment. |
| Errors or omissions in professional advice. | Fire, storm or water damage to your practice. |
| Damage to a patient’s personal property. | Cyber incidents affecting patient information or business operations. |
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What types of insurance do physiotherapists need?
Our Physiotherapy insurance combines Professional indemnity and Public Liability insurance I one easy, comprehensive package. These insurance policies can cover common risks for physiotherapists.
Basic physiotherapist insurance:
Additional physiotherapist insurance
How much does physiotherapist insurance cost?
Business insurance for physiotherapists costs $70 per month*.
Get cover that grows with your business
We offer physiotherapists flexible cover to meet high-capacity needs. Professional Indemnity insurance: Cover limits up to $10m. Public Liability insurance: Cover limits up to $20m.
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
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*BizCover’s Marketing Pricing Expectations Report is based on 1 July 2025 to 30 June 2026 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
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 over yourself, 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.
Get cover that grows with your business
We offer physiotherapists flexible cover to meet high-capacity needs. Professional Indemnity insurance: Cover limits up to $10m. Public Liability insurance: Cover limits up to $20m.
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
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*BizCover’s Marketing Pricing Expectations Report is based on 1 July 2025 to 30 June 2026 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
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 over yourself, 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.
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How To Make a Claim Online
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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 By Purchasing a Policy Through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ 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
Professional Indemnity insurance arrangements are mandatory for registered practising physiotherapists in Australia under the Physiotherapy Board of Australia’s registration standard. This applies whether working in private practice, as self-employed, or employed by a clinic, hospital or other healthcare provider.
If you’re employed, your employer’s insurance may satisfy the registration requirement (though it is your responsibility to ensure that the cover is adequate). However, if you also provide physiotherapy services as a sole trader, contractor or volunteer, you may need to ensure you have appropriate Professional Indemnity insurance arrangements for those activities.
Professional Indemnity and Public Liability options can protect physiotherapists provide services in multiple locations, such as a patient’s home, doctor’s rooms, or aged care facilities. Your policy wording will outline where and when you are protected.
Yes, physiotherapists practicing from a home office need insurance to meet Physiotherapy Board of Australia requirements. Professional Indemnity is required by all physiotherapists, regardless of where they work.
Physiotherapists covered through BizCover will instantly receive a Certificate of Currency by email when they buy a policy. You can also log in to the BizCover portal 24/7 and download a copy whenever you need one.
Hear from our customers
Michael is a fantastic worker 🙂 Thank you.
Dhestee A. Physiotherapist
Phone support was great. Friendly and approachable attitude but was quick to get the to point and guide the convo. thanks for the help.
Matt J. Physiotherapist
So easy to locate correct public liability insurance for our ad-hoc association memorabilia sales.
Colin C. Physiotherapist
No. It was nice and easy. Thank you
Kathryn D. Physiotherapist
Real-life customer reviews verified by Feefo