Physiotherapy professional indemnity insurance

Physiotherapists are professionals trained to help patients regain mobility and reduce pain.

Why do physiotherapists need Physiotherapy professional indemnity insurance?

Typical work activities of a Physiotherapist include:

  • Conducting a series of individual sessions with a client
  • Encouraging the client to talk and explore their feelings and behaviors;
  • Conducting group sessions with people undergoing therapy in a clinical setting;
  • Conducting group sessions in an educational capacity for other professionals, such as social workers, nurses, and teachers, who want to learn more about how groups work and how they function within groups;
  • Networking within the healthcare professional community and other potential business areas to maintain continuity of business and client base
  • Evaluating therapy results and writing reports
  • To help restore the patient’s mobility and reduce pain

Any wrong advice or mistake during treatment may result in the client suing and making claims against the Physiotherapist. Professional Compensation Insurance (PI Insurance) provides basic financial protection for Physiotherapists by covering the costs of legal defense and damages payable if claimed by a patient.

Public Liability Insurance for Physiotherapists

If you or any of your employees visit a customer facility, your actions may result in injury to another person. Similarly, you can be held liable if a citizen is injured in an accident on their way to your workplace. Public Liability Insurance protects you in the event that such accidents occur and a subsequent claim is filed against you.

Public liability insurance also covers you if the damage is incurred to third-party property while at the customer’s workplace. An example would be when an employee breaks a valuable item while making a delivery at a customer’s home. They claim that replacing the item would be covered by public liability insurance.

  • Significant risks for physiotherapists
  • Negligence in providing therapy
  • Failure to develop appropriate programs and services
  • Negligence in customer consultation
  • The patient was given incorrect treatment advice.
  • Reactions to allegorical oil used when treating a patient

Why should you buy your Physiotherapy professional indemnity insurance with Express Insurance?

With Express Insurance you can get a PI quote in seconds and have the option to add Public Liability Insurance. You can then purchase the insurance and generate your Certificate of Insurance within minutes, or alternatively save the quote to your email account for a later purchase.

And by saving your information about the Renewal of your insurance, we make the process of renewing your PI Insurance even easier and faster.

Throughout your experience with us, our team of highly experienced PI experts is just a phone call away!

Please Note: Coverage under the policy will be subject to the specific terms and conditions of a claim and all terms and conditions of the policy.

Policy Features of Physiotherapy professional indemnity insurance

PI bonuses are determined by your Turnover, and PL Premiums are determined by the number of personnel you employ. All insurers charge a minimum premium in both respects.

We believe we are negotiating very competitive premiums for both insurance classes and will continue to monitor the market’s current premium levels to ensure that remains the case.

Premiums vary between states as a result of differing stamp duty rates, but our minimum Total Premiums for combined Professional Compensation and Public Liability Insurance start at $136 (including GST).

For compliance and for your own safety, you must have a minimum level of Professional Indemnity (PI) insurance. If the services you provide to a customer result in a claim against that customer, they will usually file a claim against the provider. Should this happen, PI insurance will protect you.

We’ve designed the insurance application process so that it only takes an average of 5 minutes to complete your application. In most cases, your application is instantly approved online and you can print your Insurance Confirmation to prove you have the required coverage‚Ķ It’s that easy!! All other documents such as your tax invoice, policy plan, and statements will be emailed directly to you for your records.

If the policy cannot be issued immediately because we need more information, we will generally contact you the same day.

About a month before your policy renews, you will receive a renewal reminder email with a link to review the previous year’s coverage and renew your policy even faster!

We have minimized the number of referral statuses so that most applications are automatically accepted. However, for example, if you have prior requests, we will contact you to facilitate the completion of your application in person with the Insurer.

Your insurance policy is issued by Express Insurance, a registered trade name of Berkley Insurance Company (ABN 53 126 559 706), and acting as an agent of Berkley Insurance Australia, part of W.R.Berkley Corporation.

Berkley Insurance Australia takes on a substantial portfolio of general insurance businesses in Australia. It is fully authorized and regulated by the Australian Prudential Regulatory Authority (APRA), the prudent regulator of the Australian financial services industry.

Berkley Insurance Australia’s financial strength rating is “A+ (Strong)” by Standard & Poors.

Charitable Contribution

For each Psychologist policy completed online, we make a donation to Monash Cystic Fibrosis Foundation.

About the Monash Cystic Fibrosis Foundation (MCFF)

The Monash Cystic Fibrosis Foundation helps member organizations achieve common goals by developing national education programs and by collecting and distributing information on Cystic Fibrosis (CF) nationally and internationally.

CF member organizations direct their activities towards the provision of high-quality health and welfare services to children and young adults with CF and their families.

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