Provide is the best platform for physiotherapists get quick & affordable insurance. As a physiotherapist, you can face business-related lawsuits, and your staff may suffer injuries, given the physical nature of physiotherapy work. Get coverage today against these risks, with Provide.
| Coverage | Explanation | Importance for physiotherapists |
| Professional Indemnity Insurance | Protects you from lawsuits related to physiotherapy work | Critical |
| Commercial Property Insurance | Protects your business premises against property damage, e.g. fire, explosions, certain types of water damage, etc. | Critical if you have a commercial space |
| Public Liability Insurance | Protects you against liability to third-parties for property damage or injuries. E.g. clients slipping & falling in your office due to you negligently leaving the floor wet. | Critical |
| Work Injury Compensation Insurance (WICA Insurance) | Protects your employees if they suffer work-related injuries/sickness. | Legally required for all manual workers (e.g. physiotherapists), or workers who earn <$2,600/month |
| Business Interruption Insurance | Provides cash benefit if you cannot operate your consulting business due to covered reasons, e.g. fire at your office. | Very good to have |
Professional Indemnity Insurance:Â Many physiotherapists will have $250,000 coverage and above.
Commercial Property Insurance: Consider at least $100,000 coverage.
Work Injury Compensation Insurance: It’s recommended to insure 100% of your employees. By law, you have to insure all manual workers, such as physiotherapists, exercise trainers, etc. You also have to insure all workers earning $2,600/month or less. It’s a good idea to go beyond the bare minimum legal requirement, to cover 100% of your staff.
Public Liability Insurance: You should have at least $500,000 coverage.
Business Interruption Insurance: Calculate your lost gross profit if you are unable to operate your physiotherapy business for 3-6 months. Cover at least that amount. Consider a minimum of $200,000 coverage.
| Coverage | Coverage amount (example) | Premium |
| Professional Indemnity Insurance | $100,000 | From $42/month |
| Commercial Property Insurance | $100,000 | From $19/month, for a comprehensive Physiotherapists Insurance Package deal |
| Public Liability Insurance | $500,000 | |
| Work Injury Compensation Insurance (WICA Insurance) | $10 million common law annual limit $45,000 medical expenses cover per worker | |
| Business Interruption Insurance | $10,000 |
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