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Insurance for physiotherapists
You don’t have to crack under pressure. Our insurance policies are tailored to meet the needs of Australian physiotherapists just like you. We'll keep you thriving with the expert support only Guild can provide.
We work hard to make sure our insurance policies protect your livelihood and reputation, no matter what stage you're at in your career.
Professional indemnity and liability insurance
Cover that protects you for what you do in your everyday profession.
Business
insurance
Protecting your clinic, equipment, and more with comprehensive cover.
Professional indemnity insurance covers you for your civil liability when a claim arises from a breach of your professional duty. For many professional policies at Guild Insurance combine professional indemnity, public liability, and product liability to cover more of your professional duties. Business insurance, on the other hand, is a broader category that encompasses various types of coverage designed to protect businesses from a wide range of risks. This can include property damage, theft, and liability claims from third parties.
For professionals providing advice or services:
- Assess your service risk: Evaluate the potential risks associated with your professional advice or services. Consider the possibility and implications of your advice or actions leading to a client's physical, psychological, or financial detriment. Reflect on the likelihood and consequences of a situation where an error or omission on your part could lead to legal action.
- Understand legal requirements: Familiarise yourself with the legal and regulatory landscape relevant to your profession. Is holding professional indemnity insurance a legal requirement or an industry standard in your field?
For certain contract positions and many allied health professionals regulated under Ahpra require professional indemnity and/or public liability insurance. - Consider your financial exposure: If faced with a legal claim, could you afford the legal defence and potential damages out of pocket?
For business owners protecting their operations:
- Identify your business assets: Determine which physical assets are crucial to your business operations, such as property, equipment, and inventory. Consider the consequences if these assets were damaged, stolen or lost.
- Evaluate liability risks: How likely is it that someone could be injured or their property damaged because of your business activities? This includes both public liability and product liability.
- Consider business interruptions: Think about the resilience of your business in the face of unforeseen events that might force temporary closure. How would such interruptions impact your financial stability?
If you are unsure of the cover you require, please contact us on 1800 810 213 to speak to an insurance specialist.
Why choose Guild Insurance?
Unlike many of our competitors, we are a 100% owned direct insurer.
We don’t answer to an international head office, and your policy is secured right here in Australia. All decisions are made at Guild, by someone who has a relationship with industry experts and associations.
$16,278,247
in claims paid out
Endorsed by 10 out of 15
Ahpra regulated professions
24/7 Claim Support
Members have access to solicitors at Meridian Lawyers with over 100 years cumulative experience
Hear what other physiotherapists are saying
Aug 2024
Very easy, very quick, I am very happy with the outcome.
Nov 2024
I felt heard and represented to the highest level. The claim was a very distressing time for me and Puja really made me feel safe. She also was able to articulate my intentions in words that I didn’t have. I am very happy and grateful for her. Thank you.
Mar 2023
Exceptional work from guild and Meridian, but i responded within 24hrs to responses with all information, so both sides worked as a team. Fantastic personal responses as well, not just professional instruction, that human support was sooooooooo important, thank you
Working with over 130 associations
Insuring Australians for over 60 years
100% Australian owned
Learn how chiropractors avoid claims with RiskHQ
More frequently asked questions for physiotherapists
The law governs that any professional exercise the required skill to an appropriate level expected by that profession. A professional may be liable for financial loss, injury or damage arising from an act, error or omission of fault if the professional has not acted to the required level of skill deemed in that profession. Failure through this may result in the claimant (person who suffered the loss) be awarded for that loss, damage or injury.
Many professions require you to hold a professional indemnity insurance policy by law, such as Ahpra registered professions, but can be for other industries such as financial institutions also. Please check with your registration body or associations of your profession to know if it is required by law to have professional indemnity insurance. It is often also required by companies who take on contract workers that are not governed under the companies own insurance policy. It is acceptable for a company to ask you as the professional contractor to provide evidence of cover for professional indemnity before starting the contract period.
As stated above professional indemnity insurance covers you for breaches in relation to your professional duty. Liability insurance covers you for activity that results in personal injury or property damage as a result of your business activities that do not relate to your specific profession. An example may be someone who trips and is injured from spilled water within your office may be covered under liability, because it is your duty of care as business person to provide a safe environment. Whereas a person who suffers a loss or injury because of your professional treatment in relation to your job has caused it would usually be consider as an indemnity breach.
Generally business insurance is to cover the physical assets of your business for material damage loss and options for theft cover. It can also include cover for financial loss due to business interruption. Usually basic insurance does not cover breach of duty or flood cover, but if you speak to an insurance specialist it can often be added to your policy for a nominal fee.
Depending on the policy you are taking out, covers will often vary. At Guild insurance we specialise in making a policy to suit your business so that you are not over paying for covers you wouldn't normally need. The best thing to do is call 1800 810 213 to speak to an insurance specialist, they can find out what activities and structure your business is in to then provide you with adequate cover for you.
A certificate of currency (or COC for short) is a written document that confirms that your insurance policy is current and valid at a specific date and time. At Guild we provide easy access to your COC at any time within a few clicks of our online portal PolicyHub. If you are a new customer we can provide you with one post purchase.
Login to PolicyHub for all your policy needs
- All-in-one dashboard: Manage all your policies and documents in one place.
- Easy updates: Quickly update personal and business details online.
- Enhanced security: Protect your account with multi-factor authentication.
- Document access: Instantly access policy documents and tax invoices.
- Claim management: View current and past claims effortlessly.
- Flexible payments: Update billing details.
- Policy renewal & reinstatement: Renew or reinstate policies with ease directly through PolicyHub.
- Certificates of Currency: Obtain proof of insurance with just a few clicks.
