Treatment liability
Claims arising from treatment or professional services provided.
Physiotherapist Professional Indemnity
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Physiotherapist Professional Indemnity
Professional indemnity for physiotherapy and allied health practices.
Registered practitioners generally must hold professional indemnity as a condition of registration, so the question is usually not whether but on what terms - and whether telehealth and contractors are included.
What is it?
Physiotherapy practices provide assessment, manual therapy, exercise prescription and rehabilitation from clinics, mobile visits, hospitals and increasingly by telehealth, under national registration requirements.
What does physiotherapist professional indemnity cover?
Premises liability
Injury to patients and visitors on the premises, separate from treatment claims.
Telehealth
Remote consultations, which some wordings limit or condition.
What affects the cost?
- Modality and scope of practice
- Clinic, mobile or telehealth delivery
- Number of practitioners and contractors
- Registration requirements
- Claims history
Worth raising on the call
- Registration bodies commonly mandate a minimum limit.
- Telehealth is treated differently across wordings.
- Contracted practitioners in your rooms need to be named or covered.
Claims we are commonly asked about
New symptoms after manual therapy
A patient reports a new neurological symptom after a cervical technique and alleges the treatment caused it. Claims like this commonly begin as a notification to Ahpra or a letter of demand rather than a court proceeding, and defence costs can start accruing well before any liability is established.
Pneumothorax after dry needling
A dry needling treatment over the thoracic region is followed by a hospital admission with a pneumothorax. Whether the claim responds usually depends on whether dry needling was inside the scope of practice declared to the insurer as well as on the clinical facts.
Fall in the exercise area
A patient falls from a reformer or a treadmill during a supervised session and fractures a hip. This sits between treatment liability and premises liability, so the assessment typically looks at supervision ratios, the exercise prescription and the equipment maintenance records.
Worth confirming in the wording
- Worth confirming which modalities are inside the declared scope of practice, since dry needling, spinal manipulation, real-time ultrasound, group Pilates and massage are often listed and rated separately.
- Worth confirming whether contractors, locums and students on placement working in your rooms are covered under the practice policy or need their own arrangements.
- Worth confirming how the policy treats defence costs for an Ahpra notification, including whether those costs sit inside the limit and erode it or are provided in addition to it.
Common questions
Is professional indemnity required for Ahpra registration?
Registered health practitioners in Australia are generally required to have professional indemnity insurance arrangements in place covering all aspects of their practice, under the national registration standard. The detail of what counts as adequate is set out in the standard and is reviewed from time to time, so it is worth checking the current version rather than relying on what applied when you first registered.
Does my employer's policy cover my private work?
Employer cover generally responds to work performed for that employer, not to private practice, contracting, telehealth or volunteer work done elsewhere. If you treat patients outside the employment, it is worth confirming in writing what the employer policy actually covers before assuming you are protected.
Does it cover an Ahpra complaint even if no one is injured?
Many wordings provide for the costs of responding to a regulatory notification or disciplinary inquiry, which is often the more likely event for an allied health practitioner. Whether those costs sit inside the limit or in addition to it varies, and that difference matters more than a small variation in premium.
What does physiotherapy professional indemnity cost?
Pricing generally reflects the modalities and scope of practice, whether you work from a clinic, mobile or by telehealth, the number of practitioners and contractors, the limit selected, registration requirements and claims history. Sole practitioners and multi-practitioner clinics are structured quite differently.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See professional indemnity insurance for the wider picture.
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