Professional Indemnity and Public Liability Insurance for Physiotherapists

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Tailored insurance for Physiotherapists

Physiotherapy insurance includes both Professional Indemnity and Public Liability in one policy. 

Why do Physiotherapists need Professional Indemnity insurance?

You work with clients with all sorts of pains and strains, helping people with their day to day aches through to total rehabilitation. As you're in physical contact with your clients, you have a high risk of someone making a claim of professional negligence against you – that could cost you both personally and professionally.

Physiotherapy Professional Indemnity insurance can provide cover against a mistake, error of judgement, an injury, or a perceived piece of bad advice that can lead to a claim from a client. Physio insurance includes cover for your legal fees and the cost of compensation if a patient brings a professional negligence claim against you. 

Mandatory insurance

If you're practising, you need Professional Indemnity insurance arrangements in place that meet the Physiotherapy Board of Australia standard.1

Why do Podiatrists need Public Liability insurance?

If you're a Physiotherapist in Australia and work out of business premises, or make outcalls to your clients, you can be at risk of a member of the public making a claim against you. If someone were to injure themselves or damage their property on your premises or because of your business dealings, you could be held legally liable and pay an absolute fortune in legal fees. 

Public Liability insurance for Physiotherapist can provide cover against claims of personal injury or third-party property that may occur because of your business dealings or on your premises

Physiotherapy insurance cover benefits:

Flexible Professional Indemnity cover limits
Choose a level of Professional Indemnity that suits you: $5 million, $10 million or $20 million Limit.4
Public and Products Liability cover
$20 million combined public and products liability limit per claim and $60 million in the aggregate.4
Unlimited retroactive date
You may be covered for claims relating to events that happened before you purchased cover, as long as you weren’t aware of a claim or the facts of circumstances which could give rise to a claim, before you purchased the policy.

Subject to eligibility criteria.
Run-off cover
You can be subject to claims for professional wrong-doing even after you retire or sell your business. Run-off cover extends your insurance policy for up to 7 years after your business ceases, to respond to claims which arose while the business was operating. 
Complimentary Legal Advice
2 HOURS complimentary legal advice
You could save hundreds of dollars on outside legal costs with 2 hours of complimentary legal advice that's included in this policy4
$0 Excess
No excess when you make a claim against the Professional Indemnity or Product Liability section.4

Better for Physios in 3 simple ways

Frequently Asked Questions

What does Physiotherapist insurance cover?
Professional Indemnity covers:
Claims made against you during the period of insurance resulting from certain errors or omissions in the conduct of your professional services.
Legal fees, settlements and court attendance costs associated with any such claim.
Public and Products Liability covers legal liability for:
Third-party injury or property damage arising as a result of your business that occurs on any premises you work from, in most parts of the world.5
The sale or supply of a product that causes bodily injury or property damage.
What level of complimentary legal advice can I receive?

A total of 2 hours complimentary legal advice is offered when you hold a Professional Indemnity policy through Aon. You can call as often as you like for any business-related matters up to a total of 2 hours in each policy year. 

The Legal Helpline is entirely confidential, and you'll be supported by a network of lawyers who work independently of Aon. The details discussed with the Legal Helpline are confidential and will not impact the future cost of your insurance premium.

What price does insurance for Physiotherapists start at?

We arrange insurance designed for Physiotherapists at competitive prices. Our prices start as low as $321.204

  1. Available to customers who do not currently have a Professional Indemnity or Public Liability policy through Aon. Aon reserves the right to cancel this offer at any time.
  2. Physiotherapy Board of Australia - Regulation standard: Professional Indemnity Insurance Arrangements.
  3. We will process your certificate of currency request instantly but, depending on your internet speed and email server, it could take a few minutes to get to your inbox.  
  4. Subject to full terms, conditions and limits of the policy. Please review the full policy wording for more information. 
  5. Cover is not provided in respect of activities in the United States of America or the Dominion of Canada and their territories.

Disclosure and Disclaimer:

Professional Indemnity, Product Liability and Public Liability Insurance for Physiotherapists is arranged by Aon Risk Services Australia Limited ABN 17 000 434 720 (Aon) on behalf of the underwriter, AAI Limited trading as Vero Insurance (Vero) ABN 48 005297 807 AFSL 230859. If you purchase this insurance, Aon will receive a commission that is a percentage of the premium. Further information can be found in our FSG click here or provided upon request.

Terms, conditions, exclusions and limits apply

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