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Physiotherapist Insurance

Specialist insurance for physiotherapists, designed to protect you and your clients.

  • Legal cover
  • Full civil liability cover
  • UK-based support
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Overall service rating 4.6 / 5

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Why choose physiotherapist insurance with Towergate?


Range of therapeutic activities insured

We can cover over 100 activities as standard under our professional liability policy.


Legal cover for physiotherapists

Legal expenses and a 24-hour legal helpline included as standard.


Full civil liability cover

Our policies provide full Civil Liability cover as standard.

Direct Debit

Pay for physiotherapists cover in instalments

Choose to spread your payment into 10 monthly Direct Debit instalments.

About physiotherapist insurance


Compensation and legal defence costs

Your policy provides cover for compensation and legal defence costs in the event of claims for professional negligence, breach of confidentiality and injury to clients or members of the public. Knowing that this can be covered by your insurance will give you greater peace of mind.


Taking your physiotherapy business worldwide

Our physiotherapist insurance policy covers you to work anywhere in the world and also includes cover for advice given over the telephone or on internet calls with services such as Skype. We can arrange cover for you for a variety of different work styles.


Extensive physiotherapist liability cover

Professional indemnity forms a vital part of our liability package, which also includes public liability, product liability, and libel and slander cover. With our package, you can be confident that your business is covered against a multitude of legal-related risks.


24-hour helpline for whenever you need advice

Our policy provides a dedicated legal helpline that is available 24 hours a day for individual policy holders, should you ever need to talk through any potential worries.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0330 123 5921 and explain exactly what happened
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Physiotherapist insurance FAQs

No, there is no restriction on the age of your clients. Full cover will be provided for the activities you are insured for regardless of the age of the clients you are providing a service to.

Yes, we understand that you will often sell products to your clients and so, as standard, we insure up to 10% of your annual turnover for product sales. If more than 10% of your turnover relates to product sales, please let us know as we will need to refer this to our insurer on your behalf for agreement.

The short answer is yes. We have an extensive list of over 100 activities that we can cover as standard under our professional liability policy. Just let us know all the activities that you undertake and we will let you know if there are any that we cannot cover, or need to be referred.

We are not imposing any stipulation in our terms regarding record keeping, so we would always recommend you check if there are any specific requirements from regulatory bodies in your field. In the event of a claim being made, the Statute of Limitations would apply, but all our professional liability customers have access to a free legal helpline which would provide some guidance in this respect.

You may want to consider run-off cover to provisionally cover you against claims made against you for work done while you were practising. Our advisors will be able to set this up for you at the end of your policy.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to your insurance product information document and policy wording, which are available during the quotation process.

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