Physiotherapists indemnity & liability insurance

You take the aches and pains out of everyday life. We take the pain out of insurance by tailoring our policies to better protect your reputation and livelihood.

FOR A LIMITED TIME ONLY, GET 25% OFF

We're offering a special 25% discount on our Professional Indemnity and Public & Products Liability Insurance until 14 August 2026. Terms and conditions apply. Simply Get a Quote and the discount will be automatically applied.

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Female physio in front of physiotherapy studio. For insurance

What you are covered for as a physiotherapist

Exercise and fitness professional indemnity and public liability insurance

If you're forced to defend your professional reputation, you'll want the best support behind you.
Our policies include three types of insurance in one designed specifically for physiotherapists combining: professional indemnity insurance, public liability insurance, and product liability insurance.

Professional indemnity

Insurance cover for claims made against you from the work you do as a physiotherapist in your usual work. For example, failing to properly explain or demonstrate an exercise correctly, which then results in an injury, or further injury, to your client.

Public liability

Insurance cover for injury and property damage that happens to third parties and clients in connection to your business, such as a client or visitor slips on wet floors or falls on uneven surface within your premises which causes injury.

Product liability

Insurance cover for liability for injury or property damage caused by goods sold or supplied by you. This can include cover for clients getting sick or injured from products you provide for example; resistance bands, healing remedies or other products.

 

Cover and benefits of this physiotherapist insurance policy

 

  • Group exercise for yoga and pilatesCover for personal training including one on one or group (up to 5 persons) pilates or yoga programs when they are in support of your treatment program
  • Dry needling iconCover for alternative therapies such as acupuncture and dry needling
  • Clipboard for Exercise programsCover for exercise programs
  • Cover for exercise consultationsCover for exercise consultations
  • Good Samaritan IconRun-off cover which protects you when you’ve ceased practising permanently
  • Law IconCover for legal costs and expenses associated with complaints to your registration body, disciplinary proceedings or a coronial inquiry
  • 24/7 Support IconRound-the-clock support with 24 / 7 claim support line availability
  • Nil excess icon of dollar sign crossed outNil basic excess on liability claims
  • Confidentiality IconBreach of confidentiality cover following alleged or actual unintentional breach of confidentiality by you
  • Cooling Off IconProvides a 21-day cooling-off period, allowing you to change your mind after purchasing coverage
  • Learning materials - book iconOngoing education through our RiskHQ, providing you with relevant and informative information on the risks that matter to you

 

 

To find out more or to get your hands on our policy wording, simply call us on 1800 810 213.

Common physiotherapist FAQs

Not just an insurance policy
Risk articles with RiskHQ

You can visit RiskHQ at any time to read up about the unique risks you face as a physiotherapist. We cover a variety of risk management topics, from managing complaints, to social media risks, maintaining your physiotherapist business, and much more.

Visit RiskHQ

Insurance for your physiotherapist business

If you own a physiotherapist studio and need insurance for your building, contents and more. Visit our information on business insurance for physiotherapist businesses.

Physiotherapist Business Insurance

fitness centre insurance with Guild Insurance
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*Coverage up to $20 million requires your selection of cover up to this limit during the quote and purchase process.