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Get Singapore's best Physiotherapists Insurance. Broad cover from liability for injuries, & more.
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.
What insurance do physiotherapists need?
|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.
|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|
How much coverage do I need for my Physiotherapy business?
Professional Indemnity Insurance: 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.
How much does Physiotherapists Insurance cost?
|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|
Why use Provide for Physiotherapists Insurance?
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