Why do Physiotherapists need insurance?
As a physiotherapist, your clients see you for all sorts of pains and strains, helping them with their day to day aches through to total rehabilitation.
But like all small businesses, there are risks in the operation of your business. Some incidents could have enough financial strain to completely bring your practice to a stop. Insurance that is customised for the common risks in your industry should be a key consideration when deciding how to protect your business.
If something were to go wrong in the course of your treatment, such as a client alleging your treatment led to their pain worsening, you could quickly be faced with a different kind of pain. Coming up with thousands of dollars to defend yourself in such situations would probably be quite a stretch. It’s therefore important to have in place appropriate insurance for your physiotherapy practice to help take the tension off your strained finances if you do experience such events.
Special offer: 15 months for 12
Get 15 months cover for the price of 12 when you take out a new Professional Indemnity and Public & Products Liability policy through Aon.1
Insurance Aon can arrange
Cover Benefits of Professional Indemnity and Public & Products Liability
You could save hundreds of dollars on outside legal costs with 2 hours of complimentary legal advice on risks insured under this Policy. Legal advice relating to your policy is not included.2
Choose a level of Professional Indemnity cover that to suits you: $5 million, $10 million or $20 million.2
No excess for certain claims against the Professional Indemnity or Product Liability section, where provided in the Schedule.2
$20 million combined Public and Products Liability limit per claim and $60 million in the aggregate for all claims.2
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 facts or circumstances which could give rise to a claim, before you purchased the policy.2
Subject to eligibility criteria and must be stated in the Schedule.
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.2
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We provide specialist resources on business insurance and risk management to help you stay on top of current and emerging risks in your industry.
Frequently Asked Questions
Why do Physiotherapists need Public Liability insurance?
You know there are things in life that are out of our control, like accidents. There could be a loose nail, and someone could snag themselves on it, setting into motion any number of events that could lead you to being sued. You could be held liable if someone is injured or their property is damaged on your premises or because of your business dealings.
Public Liability insurance provides cover for legal liabilities if a member of the public makes a claim that they were injured, or damage was caused to their property because of your business dealings or on your premises2.
What level of complimentary legal advice do I receive?
A total of 2 hours of complimentary legal advice is offered if you hold the Aon Health Combined Professional Indemnity, Public & Products Liability Policy. You can call the Legal Helpline up to a total of 2 hours in each policy year, per policy, for general legal advice relating to your practice. Legal advice relating to your policy is not included.2
The Legal Helpline is entirely confidential, and you'll be supported by a network of lawyers who work independently of Aon. This conversation will not impact the future cost of your insurance premium.
Why might I need run-off cover?
Even after you've retired or are no longer practising, you could still be subject to claims from the time you were in business. Under the Combined Professional Indemnity, Public & Products Liability Policy arranged through Aon, run-off cover allows you to arrange complimentary run-off cover for a period of up to 7 years in relation to incidents that happened while you were practising.2
Am I covered if I conduct home visits to treat patients?
If you conduct home visits to provide your service, the Aon Health Combined Professional Indemnity, Public & Products Liability Policy will extend to those visits. However, this may not be the case for all policies, so we recommend contacting your broker to confirm your coverage.2
I operate my practice from home, do I need insurance?
If you operate your practice from home, Professional Indemnity is still relevant as the risk of clients alleging professional negligence on your part is still applicable. It's likely at some point, you will meet with clients in person, whether that's at their home, or out in public, so Public & Products Liability is also very relevant for you. Business Insurance can also help cover the cost of your office equipment such as mobile phone or laptop if they're stolen or damaged.
When will I receive my certificate of currency?
When you purchase your insurance online you will receive your certificate of currency in minutes to your elected email address. If you purchase your insurance with one of our experienced brokers, the time line may vary.3
How do I make a claim?
You will find details of how to make a claim in the policy wording you receive from us. However, we also appreciate that having to make a claim can be a stressful time. That's why as your broker we are always on hand to help with any questions. Please do not hesitate to call us on 1800 805 191 during business hours.
What if I need to make a change to my policy?
It is important to keep your policy up to date with the changing shape of your business but also to keep your business and personal information up to date in the event of a claim.
Should your business circumstances have changed, for example you have moved into a new premises or you have changed the services that you offer and you are not sure if your existing insurance covers it anymore then you can always call one of our experienced friendly brokers to discuss on 1800 805 191 during business hours.
How do I renew my policy?
Your renewal offer, schedule and tax invoice will be emailed to you approximately 30 days before your renewal date. Please ensure you review the details of our offer carefully (remember pricing and coverage levels may have changed so it is important to review). If you are happy with the offer and wish to accept, simply make payment by the date specified on the tax invoice.
What are your opening hours?
Our opening hours are 8.30 a.m. to 5.00 p.m. Monday to Friday (except public holidays). If you need to contact us out of hours, you can email [email protected] and we will pick up your query on the next business day.
Can I pay for my policy monthly?
Yes you can, monthly payments can be arranged through a premium funding agreement with Hunter Premium Funding4 to help you spread the costs of your insurance across the year. Please note that the total overall cost is higher if you pay monthly. Contact us on [email protected]
What should I do if I have not received my certificate of currency or renewal offer/documents?
Please accept our apologies. At Aon we strive to deliver best in class service, so we are sorry to hear you have not received your documents. Please request your Certificate of Currency here or alternatively contact us on 1800 805 191 during business hours or email [email protected] and we will look to send your documents as soon as possible.
Self Service – Certificate of Currency
Request a Certificate of Currency for your Health Combined Professional Indemnity and Public & Products Liability policy.*
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Ways to get in touch
Or call us on 1800 805 191, or email us on [email protected]
*The self-service Certificate of Currency request form is available for insureds who have a current and paid Combined Professional Indemnity and Public & Products Liability policy.
1Offer available to new customers who purchase the Aon Health Combined Professional Indemnity, Public & Products Liability Policy and 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.
2Subject to full terms, conditions and limits of the policy. Please review the full policy wording for more information.
3We 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. If you're arranging the policy via one of our Brokers the time line may vary, however it is likely to be a minimum of 24 hours.
4Hunter Premium Funding is a third party independent of Aon, however Aon will receive a commission if you pay for your policy through a premium funding agreement with them.
Health Combined Professional Indemnity, Public & Products Liability Policy Wording, Aon has a binder agreement under which we are authorised to commit, Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance to providing cover without reference to them. 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 or provided upon request. When acting under a binder we will be acting under an authority given to Aon by the insurer and will be effecting the insurance contract as agent of the insurer and not as your agent. Our binder arrangements with the insurer are such that we remain your agent in the handling of any claim.