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.
Until 31 October 2025 we're offering a special, WELCOME deal of 13 months insurance for the price of 12. Terms and conditions apply.
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.
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 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
Cover for alternative therapies such as acupuncture and dry needling
Cover for exercise programs
Cover for exercise consultations
Run-off cover which protects you when you’ve ceased practising permanently
Cover for legal costs and expenses associated with complaints to your registration body, disciplinary proceedings or a coronial inquiry
Round-the-clock support with 24 / 7 claim support line availability
Nil basic excess on liability claims
Breach of confidentiality cover following alleged or actual unintentional breach of confidentiality by you
Provides a 21-day cooling-off period, allowing you to change your mind after purchasing coverage
Ongoing education through our RiskHQ, providing you with relevant and informative information on the risks that matter to youThe 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.
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 physiotherapy practice, and much more.
Imagine if…
You are advised by AHPRA that a patient has complained about the treatment you provided, suggesting it was performed negligently. As you’re sure your treatment was appropriate, you immediately reply to AHPRA informing them of your version of events. Some time after you hear from AHPRA again stating that they still have questions about your treatment and will be investigating further.
As a Guild Insurance policy holder, part of our service is to provide timely advice if you experience a claim or an incident which could give rise to a claim. And importantly, it’s a policy requirement that you notify Guild of these incidents. However, Guild has noticed a worrying trend where practitioners are responding to complaints on their own without first notifying Guild. This can have a number of consequences for these practitioners as they’re not receiving the support or guidance their insurance policy may entitle them to. It can also mean the policy holder is not adhering to the conditions of the insurance policy.
When to notify Guild Insurance
The following scenarios are some examples of when you should contact Guild Insurance for support:
When to notify Guild
Practitioners are sometimes unsure whether a matter is serious enough to warrant notifying their insurance company. There are some occasions where notifying an insurance company is a must, such as when replying to AHPRA following an allegation, when there is a request for patient records from a solicitor or funding provider or when there is an allegation of the patient suffering harm following treatment. However, when a patient complains directly to you, this is when you need to use your judgement. If the patient has simply informed you that they didn’t respond as hoped to treatment following their previous appointment yet doesn’t seem annoyed or demanding, then this may be a matter which can be sorted by you alone. Yet if you’re in doubt or concerned about the complaint or allegation from the patient, then you should notify Guild.
Will my premium go up if I notify Guild of a matter?
Notifying Guild of an incident is unlikely to lead to a premium increase as Guild’s pricing is influenced by a number of factors. However, as detailed below, not notifying Guild may lead to further stress and complications. Therefore, the cost of the premium should not be a factor in deciding whether or not to notify Guild.
Consequences of not notifying Guild
The staff at Guild Insurance have a great deal of experience and expertise in managing allegations and investigations and are well aware of what is required when responding to them. For this reason, it’s of benefit to everyone involved to notify Guild immediately and be sure the necessary support is provided and process is followed from the start.
Facing an allegation or investigation of any sort can be an extremely stressful situation for a practitioner. When a practitioner handles a matter themselves without the support of Guild, that stress is compounded as the practitioner will be dealing with a process they’re unfamiliar with.
Guild has seen many cases where a practitioner’s own response has either not provided the required information, or a response has been written in a way which is likely to inflame or escalate the situation. This usually leads to further investigations being conducted and Guild being notified after the investigation has begun, inhibiting Guild’s support and influence.
When a practitioner doesn’t notify Guild as soon as is reasonably possible of a claim made against them, they may be considered to not be complying with the conditions of the insurance policy. There is then a risk of cover under the policy being cancelled or the claim not being paid.
It’s also important to understand that a practitioner may leave themselves with out of pocket expenses by not notifying Guild at the beginning. This may occur if they engage their own legal counsel not approved by Guild and at a rate Guild believes to be exorbitant or if they have offered to settle a matter without Guild’s consent.
How to contact Guild Insurance
To notify Guild of an incident, and therefore make a claim against your insurance policy, either call Guild on 1800 810 213 or go to guildinsurance.com.au/claims.
If you own a physiotherapy practice and need insurance for your building, contents and more. Visit our information on business insurance for physiothapy businesses.
*Coverage up to $20 million requires your selection of cover up to this limit during the quote and purchase process.
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