Physiotherapist Malpractice
Liability Insurance

Whether you work at a clinic or own a practice,
Physiotherapist Malpractice Liability Insurance is essential to the wellbeing of your business.

What is Physiotherapist
Liability Insurance?

As a Physiotherapist, you play a critical role in a patient’s recovery.
Restoring mobility and treating a wide variety of physical conditions is an invaluable service.

Yet, like any business, there is risk involved.
Think of Physiotherapist Liability Insurance as protection for your peace of mind.

Mistakes happen and can disrupt the flow of your business in a matter of minutes. Professional Liability Insurance
for Physiotherapists protects against risks associated with the services you provide, including equipment- or
treatment-related injuries.

What Does Physiotherapy Liability Insurance Cover?

At the very least, your comprehensive Massage Therapy Liability insurance policy should include:

  • General Physiotherapy Liability Insurance (a.k.a. Commerical General Liability Insurance)
    This is the go-to Physiotherapy Liability Insurance that every physiotherapist should have regardless of training or experience. A General Physiotherapy Liability Insurance policy protects physiotherapists against third party claims that are non-professional, such as a slip-and-fall injury.
  • Physiotherapist Malpractice Insurance
    Physiotherapist Malpractice Insurance is a type of Professional Liability Insurance for physiotherapists, which protects physiotherapists against claims related to professional activities, such as a misdiagnosis or treatment-related injury.

Talk to your broker about customizing your Physiotherapist Liability Insurance policy to include additional types of coverage.

Frequently Asked Questions

Yes, all of our insurance providers and Physiotherapy Liability Insurance policies are association-approved.

Physiotherapy Malpractice Insurance is a type of Professional Liability Insurance for  physiotherapsists. Due to the nature of your work, your treatment or advice to a client may lead to accidental bodily injuries, for which you could be liable.

Physiotherapy Liability Insurance provides coverage for employees of a business, but independent practitioners who are renting space are not covered by the facility’s insurance policy. If you are an independent practitioner, consider purchasing Physiotherapist Liability Insurance to protect yourself from being held liable for injuries that happen during your sessions.

Yes. Physiotherapsit Malpractice Insurance can protect you where a waiver won’t. Waivers are not always enforceable forms of protection in a court of law. For that reason, it is best to cover your bases and include a Physiotherapy Malpractice Insurance policy in your risk management strategy.

How Much Does Physiotherapy
Liability Insurance Cost?

How much your Physiotherapist Liability Insurance policy costs depends on several factors, such as:

  • Years of experience
  • Level of education or training

We’ve partnered with Canada’s largest insurance companies to provide the most competitve Physiotherapy Liability Insurance rates for you.

To find out how much Physiotherapist Malpractice Insurance can cost for you simply click on the button below:

Common Massage Malpractice
Claims in Canada


Inappropriate Touching

Following a session, a patient accuses one of your employees of touching them inappropriately. Although your employee denies the accusation, your patient sues for emotional destress.


Trip and Fall

During a session, you leave the room to sign-in another patient. While you’re away, the patient trips over several pieces of equipment, causing them to break their arm.


Failure to Assess

When working with an elderly patient, you fail to pick up on non-verbal cues that the exercises are causing pain. As a result, the patient overextends themselves and tears a ligament.