Professional Liability Insurance for Physiotherapists
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What is professional liability insurance for physiotherapists?
As a physiotherapist, you assess and guide clients through their recovery and rehabilitation. Because every client is unique and their results can vary, there is always a level of risk. If a client believes you’ve overlooked something important, or that your advice or care has led to negative outcomes, you could face legal action.
Fortunately EasyCover by Acera Insurance has professional liability insurance that is designed specifically to protect physiotherapists like you. Also called errors and omissions (E&O) insurance, this coverage provides essential protection from legal claims that may arise from your physiotherapy services.
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Acera Insurance offers EasyCover where you can get a quote, bind your policy and pay online in only a few short minutes. Get comprehensive coverage and affordable rates quickly and easily.
Here are some of the benefits of EasyCover:
- Get free online quotes 24/7
- No long, confusing applications to fill out
- Purchase and manage your policy online
- Support by phone, email or chat
- Option to bundle with other coverages
What does physiotherapists professional liability insurance cover?
Many physiotherapists carry commercial general liability (CGL) as their standard business insurance. However CGL policies usually don’t cover claims resulting from your services. If you’ve been taken to court by a client who believes your physiotherapy was inadequate or caused them harm, you’ll want to ensure you’re protected. Even if their claim is unjustified, it can still result in expensive legal fees. That’s where EasyCover’s professional liability insurance comes in.
In the event of a claim, professional liability insurance helps cover your legal expenses along with any court-ordered settlements or judgments, up to your policy limits. For physiotherapists across all practice settings, we strongly recommend having professional liability insurance.
How much professional liability coverage do physiotherapists need?
The level of coverage you need as a physiotherapist will vary based on factors like your specializations, your client base and the financial impact of a potential lawsuit. With EasyCover by Acera Insurance, you can choose from one of these coverage levels to suit your needs:
- $1 million
- $2 million
- $5 million
These amounts represent the maximum payout for claims over a 12-month policy period. For every covered claim, you would be responsible for paying a deductible. This is typically in the range of $250 to $1,500 and is determined by your annual revenue. For example, if your deductible is $500 and you have two covered claims in one year, you’d pay $1,000 in deductible fees. Your professional liability insurance would then cover remaining legal expenses (up to your policy limits).
E&O Insurance for Physiotherapists
EasyCover by Acera Insurance insures a variety of physiotherapy specializations, such as:
- Orthopedic Physiotherapists
- Neurological Physiotherapists
- Pediatric Physiotherapists
- Sports Physiotherapists
- Geriatric Physiotherapists
- Women’s Health Physiotherapists
- Rehabilitation Physiotherapists
If you don’t see your profession listed here, do not worry.
Connect with us and we’ll see what we can do.
Examples of E&O Claims for Physiotherapists
Missed referral after sports injury
After a sports-related injury, a client’s condition was incorrectly assessed, and the physiotherapist did not refer them to a specialist despite the severity of the injury. As a result, the client’s recovery was delayed, leading to prolonged pain, additional time off work, and loss of income. The client alleges negligence, holding the physiotherapist responsible for the extended recovery.
Failure to deliver services
A client alleges that the physiotherapist failed to provide the agreed services. Sessions were frequently delayed or missed, and the promised number of appointments was not completed. The client claims that, due to this lack of consistency, their recovery stalled and no meaningful progress was achieved.
Incorrect assessment leading to harm
An inaccurate assessment resulted in an unsuitable treatment plan. Instead of improving, the client’s condition worsened, causing additional pain and long-term complications. The client alleges negligence, claiming the physiotherapist overlooked key information that could have prevented further harm.
Factors affecting physiotherapists professional liability insurance rates
The top factors influencing professional liability insurance rates for physiotherapists, include:
- Your scope of services and specializations
- The types and amount of clients you have
- Your practice setting(s)
- Your insurance and claims history
- Years of experience and relevant certifications
- Your coverage limits and options
- The province(s) you operate in
If you like to get a quick estimate of what your Professional Liability insurance costs would be, use the EasyCover online quote tool.
Cost of E&O insurance for physiotherapists
Errors and omissions (E&O) insurance for physiotherapists can start at approximately $440 per year for $1 million in coverage. For stronger protection, our advisors typically recommend at least $2 million in coverage. The upgrade provides considerably more security, with only a modest increase in cost – about $660 annually versus $440.
Use our quick quote tool to get an online E&O estimate in minutes. If the price works for you, you can complete your purchase right away – simple and hassle-free.
Risk management strategies for physiotherapists
Professional liability insurance is essential for physiotherapists, but proactive risk management is the most effective way to safeguard your practice, strengthen client trust, and reduce the risk of disputes.
Comprehensive Documentation
It’s essential for physiotherapists to keep accurate and secure client records. This could include agreements and intake forms, assessments, treatment notes and any communications. Ensure you have an updated record of your recommendations and treatment plans
Effective Communication
Transparent communication is crucial to ensuring your clients are aligned on your approach and the realistic outcomes. You’ll also want to provide a space for clients to communicate any questions and/or concerns they may have.
Professional Development
By keeping current with relevant physiotherapy standards, regulations and best practices, you’ll be lowering your potential risks. You’ll ensure your care and recommendations are ethical and aligned with the industry’s recognized guidelines.
Why physiotherapists depend on EasyCover by Acera Insurance for their E&O coverage
With EasyCover by Acera Insurance, physiotherapists throughout Canada get reliable and affordable professional liability coverage. With our free online quote tool, we make it quick and easy to purchase your insurance in minutes. Plus if you have questions or require claims support, our experienced team is ready to help.
We also offer additional liability coverage options for physiotherapists.
Commercial General Liability
CGL is a common type of business insurance that can help protect your practice from third-party injury claims or property damage due to negligence. For instance, if a client were to slip and fall in your clinic, CGL could cover related costs. Keep in mind that it does not apply to employee injuries or damage to your own property.
Cyber Liability
Cyber coverage is important for physiotherapists, given that you handle sensitive health and personal information. This insurance helps protect your practice by covering expenses following a cyber-attack or data breach. It can help cover legal fees, recovery costs and more, offering critical protection for your profession.
Directors and Officers Liability
If you run your own physiotherapy practice, you’ll want to consider D&O coverage to help shield your personal assets from risk. It offers protection if an employee, client, or third party makes a claim regarding the way your business is managed. D&O can help cover your legal defence expenses as well as potential settlements.
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