As a physiotherapist, your job is to rehabilitate patients experiencing chronic pain or recovering from an injury, all while improving or maintaining joint mobility and muscle strength. A good physiotherapist will offer constructive advice and expertise that can be applied outside physio appointments. Because of how closely physiotherapists work with patients’ bodies and overall health, there are always risks taken. Rather than just hoping an accident never happens, protect your clinic and practice with professional liability insurance and general liability insurance..
Professional Liability Insurance for Physiotherapist
If a patient takes your professional advice, then sustains a medical or physical injury, a court may hold you liable to pay for the damages. As a professional giving advice to hundreds of patients, accidents can surely happen. That is exactly why it is important to protect your business from any claims of negligence, malpractice or failure to deliver on a promise.
Having liability insurance doesn’t mean you are going to make guaranteed mistakes, it is just a precaution that can save you in the case that an accident does happen. Additionally, professional liability insurance is not just an option for physiotherapists in Ontario, it’s a requirement. To practice as a physiotherapist, you need to have at least $5 million in liability.
General Liability Insurance for Physiotherapist
Now that you are protected from accidents that happen during treatment or as a result of your advice, you can evaluate other risks you may face that are not directly related to your practice. For example, if a customer is in your office and slips on the floor causing them to injure their back, that has nothing to do with the service you provide. While that may be the case, you could be found liable because it happened on your property. If this happens, your professional liability policy will not cover any expenses.
That is where general liability steps in. To protect your business from claims of non-professional negligence resulting in bodily or property damage, look into general liability insurance. Having GL insurance is fairly standard for most businesses – speak with an isure broker in regards to the coverage limits available.
Don’t wait for something to happen to a client to look into physiotherapist insurance! Worried about costs? isure can help! Our insurance team can offer you exceptionally low insurance rates without sacrificing the quality of your coverage.
General Liability Insurance
Now that you are protected from accidents that happen during treatment or as a result of your advice, you can evaluate other risks you may face that are not directly related to your practice. For example, if a customer is in your office and slips on the floor causing them to injure their back, that has nothing to do with the service you provide. While that may be the case, you could be found liable because it happened on your property. If this happens, your professional liability policy will not cover any expenses.
That is where general liability steps in. To protect your business from claims of non-professional negligence resulting in bodily or property damage, look into general liability insurance. Having GL insurance is fairly standard for most businesses – speak with an isure broker in regards to the coverage limits available.
Don’t wait for something to happen to a client to look into physiotherapist insurance! Worried about costs? isure can help! Our insurance team can offer you exceptionally low insurance rates without sacrificing the quality of your coverage.