Insurance for Physiotherapists
AHPRA insurance requirements
Tailored cover for alternative and complementary therapies
Professional Indemnity up to $10m, Public Liability up to $20m
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What is physiotherapist insurance?
Insurance for physiotherapists helps cover the costs of different risks, such as misdiagnosing a patient or having someone fall and injure themselves while on the business premises. It can help ensure that your practice can continue smoothly despite unforeseen events.
The AHPRA Physiotherapy Board requires physiotherapists to have “adequate” Professional Indemnity insurance (including run-off cover) to practice in Australia.
You provide essential treatment and care to patients recovering from acute injuries and managing chronic pain. But working closely with patients can create risks for your small business. These risks could result in costly liability claims that may put your physiotherapy business under serious financial stress. BizCover offers a combined Professional Indemnity and Public & Products Liability insurance policy designed for healthcare providers. It can be customised to meet AHPRA Physiotherapy Board requirements (including auto reinstatements and unlimited retroactive dates) and your specific business needs.
Why do physiotherapists need insurance?
Physiotherapists must have Professional Indemnity insurance to register with the Physiotherapy Board and practice in Australia. This cover can help pay fees associated with responding to AHPRA complaints, disciplinary proceedings, and coronial inquiries.
Physiotherapist may also choose cover options to help them pay unexpected bills that come with providing in-person and telehealth physio services and running their business.
Meet the requirements of the AHPRA Physiotherapy Board.
Lease an office or clinic space.
Manage a cyberattack or breach of confidentiality.
Pay legal costs if you face a liability claim.
Insurance requirements for physiotherapists
Professional Indemnity insurance is mandatory to practice physiotherapy in Australia. It is a legal requirement and part of your registration requirements with the Physiotherapy Board, overseen by the Australian Health Practitioner Regulation Agency (AHPRA).
The Physiotherapy Board requires physiotherapists to have an “adequate” level of cover for their practice. When deciding how much cover you may need, you may want to consider things like:
- The type(s) of physiotherapy services you provide – Some practices and activities may carry higher risk of patient harm or injury than others
- The number of people coverd by your policy – Just you, or a group of physios working for the same practice
- Cover limits required for business contracts – If you provide freelance physio services in aged care homes, community health centres, and other settings
Getting Professional Indemnity cover is about more than just ticking a box. It is an important form of protection for businesses that provide specialist services or professional advice, including phyiotherapists. It is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. A policy helps cover legal costs and compensation payments if a claim is made against you or your practice.
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Basic cover types for physiotherapists:
Additional cover options
How much does physiotherapist insurance cost?
Business insurance for physiotherapists costs $68 per month.
Get cover that grows with your business
Up to $10 million Professional Indemnity and up to $20 million Public & Products Liability limits for physiotherapists and physiotherapy service providers.
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 Customer Average Monthly Payment Report is based on 1 July 2024 to 30 June 2025 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
Up to $10 million Professional Indemnity and up to $20 million Public & Products Liability limits for physiotherapists and physiotherapy service providers.
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 Customer Average Monthly Payment Report is based on 1 July 2024 to 30 June 2025 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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See How Much Others Have Saved By Purchasing a Policy Through BizCover
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Linda
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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
Yes, BizCover Allied Health Combined Liability generally covers treatment provided to terminally ill patients. However, always check the policy wording to understand your policy exclusions.
Every physiotherapist is unique, with unique insurance needs. The amount and types of insurance you may need will depend on several factors, such as:
– Regulatory requirements for your occupation
– The types of services you provide
– Where you work, e.g. an office, in client’s homes, aged care facilities, etc.
– Your business’ annual turnover (revenue)
– How many people are covered by a policy, i.e. just you or a group of employees
Considering the potential risks to your business and how much a worst-case scenario could cost may help you decide the types and amount of insurance you may need.
The difference between Professional Indemnity and Public Liability insurance is the types of risks and activities they cover.
Professional Indemnity insurance offers protection for businesses that provide specialist services or professional advice. It is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice.
Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public brings a claim against you due to their being injured or sustaining property damage as a result of your negligent business activities.
Run-off cover is a provision in many Professional Indemnity policies that helps protect physiotherapists after they have ceased trading, sold their business, or retired. Professional Indemnity claims are sometimes made long after you’ve worked with a patient. Run-off cover provides a “buffer” if a claim is made when you’re no longer in business.
Yes. Professional Indemnity and Public Liability options are available to cover physiotherapists who 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 may need insurance. The Physiotherapy Board of Australia sets Professional Indemnity requirements for all physiotherapists, regardless of where they work. You may also want to consider other types of insurance to address potential risks to your home-based physiotherapy practice. These may include Public Liability to manage third-party injury and property damage claims from patients visiting your home practice, and Personal Accident & Illness insurance to help you pay the bills if you are unable to work due to an accidental injury or serious illness.
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.
BizCover works closely with our insurance partners to make claims as easy as possible. Simply complete our online claims form to get started. Claims can be tracked through the BizCover portal, so you’re always in the loop.
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