At Balens, we understand the critical role of Physiotherapy in addressing a wide range of sports injuries, occupational health concerns, and illnesses or injuries. With over 25 years of dedicated service to Physiotherapists, we provide specialised Physiotherapy Insurance cover.
Do Physiotherapists need Insurance?
No matter your experience as a Physiotherapist, accidents can occur. As you practice as a Physiotherapist, claims of further injuries caused by treatment, accidents or damage to expensive equipment could seriously impact your business.
Physiotherapy Insurance offered and arranged by Balens includes Professional and Public Liability coverage to protect against claims of injury, harm, or financial loss. Whether you're an individual practitioner or a business owner, we recognise the importance of protecting your business and reputation.
Why choose Physiotherapy Insurance offered and arranged by Balens?
Policies offered and arranged by Balens cover Physiotherapy treatment and can include over 3,500 different activities, therapies, and techniques within the one policy (subject to qualifications and terms and conditions), ensuring that you have the necessary protection for your business. With Balens, you can have peace of mind knowing that you're supported by experts who understand the unique challenges faced by Physiotherapists.
David Balen, a therapist himself, pioneered quality wording for the Physiotherapy sector over two decades ago. Since then, we've remained committed to providing quality support and individual service to Physiotherapists, offering guidance and assistance in the event of a claim or incident. Physiotherapist insurance offered by Balens gives you the confidence to focus on providing exceptional service to your clients.
What does the Physiotherapy Insurance offered and arranged by Balens cover?
The Professional Liability & Malpractice insurance policy offered and arranged by Balens has been designed for Physiotherapists.
Benefits of the Balens Health Professionals Liability Insurance Policy:
The Balens Professional Liability & Malpractice insurance policy has been designed for Health and Well-Being professionals / therapists / practitioners that provide advice, treatment, activities and / or therapies to members of the public. The policy has the following areas of cover:
And DAS Legal and Taxation Policy that includes:
All policies are subject to Terms and Conditions.
Optional additional cover sections:
Please contact us to get a personalised quote for your practice:
Affinity Schemes
If you are a member of any Association or Training School who hold a customised insurance scheme with Balens, you will be eligible for discounted rates. If you are not, you will be able to join our Individual Bridge Block scheme for Health and Well-Being Professionals.
Claims information and other policies which may be useful:
How claims work
It is important that you notify us immediately of a claim or any incident which may give rise to a claim. Contact us on 01684 580 798 (Monday – Friday, 09.00 – 17.00) or email to claims@balens.co.uk. If you email us, please provide your full name, address and policy number to help us locate your policy.
We handle a diverse range of claims, so different types of claim will be handled slightly differently and with differing timescales involved.
When there is a liability claim or incident which may give rise to a liability claim, we will need a detailed description from you. We will ask for copies of treatment records, copies of your qualifications and any correspondence from the claimant including details of conversations, text messages, emails and letters. You should also collate other documents when relevant – such as photos, CCTV recordings & Accident Report Forms.
Other Policies offered by Balens that you may wish to consider as part of your insurance portfolio:
- Business Protection – for when your contents or stock exceed the limits of our All Risks Policy. Also includes Employers Liability Insurance, which is a legal requirement when employing staff / volunteers.
- Clinic / Salon Policy – As your business grows you may need to cover the business and business name for the work, treatments and / or advice of more than one person. Balens offer two options of cover designed to cater for this need, Contingent Cover and a Full Clinic Policy. The ‘Clinic’ policy can cover work performed by other qualified professionals, whether employed or self-employed that work under your corporate name. Please also see our Article – Do you run a Multi Profession Clinic?
- Health Products Insurance Package – Balens have devised a package policy for Health, Wellbeing, Fitness and Beauty Professionals that may be involved in the manufacture, sale and / or distribution of related products.
- Household Insurance – Whether you work from home or not, Balens have access to a range of Insurers that can offer you a policy to protect your buildings, contents and / or personal possessions plus legal liability you may have through owning and / or renting a home. Please also see our Article - Home Insurance.
- Cyber / Crime Insurance – Your business may be at risk if you use any form of internet-based technology within your business or for the storage of data. Cyber / Crime insurance is designed to protect businesses and individual users from these risks, including such elements as theft of funds, loss of data, online fraud, transmission of a virus.
- Training Schools – If you hold a Professional teaching qualification and are a qualified Health, Wellbeing, Fitness or Beauty Practitioner who wants to train and certify others, Balens offer a Teaching School Insurance for an unlimited number of students.
If you are looking to offer training which issues certificates of attendance only, this is automatically included in our Balens Professional Indemnity policy with no limits and for no additional premium. If you are issuing certificates of competence, a Training School extension can be added to your Professional Liability policy for an additional premium (limits apply). Please also see our Article – Do You Treat & Teach or Do You Need A Training School Policy? - Personal Accident and Sickness Policies or Income Protection – This cover may be of particular importance for those that are self-employed and have no alternative income. Balens have devised and arranged a policy designed to pay out either a lump sum or a weekly benefit (if selected) in the event of an accident, bodily injury to you and /or illness depending upon the type of policy chosen. Please also see our Article – Personal Accident and Sickness Cover.
Here are just some of the standard Therapies / Activities we are able to cover:
- Acupuncture
- Aromatherapy
- Baby Massage
- Bowen Technique
- Colonic Irrigation
- Clinical Hypnotherapy
- Cognitive Behaviour Therapy
- Counselling
- Counselling & Psychotherapy
- EMDR (Eye Movement Desensitisation and Reprocessing)
- Foot Health Practice
- Holistic Massage
- Hot Stones Massage
- Life Coaching
- Massage
- Massage Therapy
- Medical acupuncture
- Neuro-linguistic Programming
- Nutrition Therapy
- Nutritional Therapy
- Pregnancy Massage
- Psychotherapy
- Reflexology
- Swedish Massage
- Thai Massage
- Therapeutic Counselling
Contact Us
Our team is here to help you choose the right insurance for your needs, provide guidance on claim prevention and support you in the event of any claims.
Meet the Team Contact Us