Medical Malpractice insurance protects you against claims arising from professional negligence, errors, or omissions while providing treatment or advice. It covers compensation costs, legal defence fees, and any damages awarded to clients who suffer harm as a result of your professional services.

This type of cover is essential for physiotherapists, rehabilitation specialists, and wellbeing practitioners, ensuring you’re protected for the advice and treatment you deliver every day.

Public liability insurance covers the cost of claims made by members of the public for incidents that occur at your studio. It covers the cost of compensation for personal injuries and loss of, or damage to property. For your sector this will be extended to include ‘treatment liability’.

Our policies will usually give £2million or £5millon worth of public liability cover depending on your studio’s specific needs.

Employers’ liability insurance covers the cost of compensating employees who are injured at or become ill through working for your business.

If you have employee’s, this cover is a legal requirement.

Material Damage insurance protects the physical assets of your business, such as your premises, treatment equipment, and contents, against loss or damage caused by events like fire, flood, theft, or storm.

This cover ensures that the essential items you rely on to run your clinic or practice can be repaired or replaced quickly, helping you minimise disruption.

Business Interruption insurance protects your income if you’re unable to operate as normal due to an unexpected event. The core cover is property-led, meaning a claim generally requires physical damage; however, some insurer extensions can broaden this protection.

Typical incidents include fire, flood, or storm, and cover is usually available for 12, 24, or 36 months, depending on your business requirements and premises type.

Directors & Officers insurance protects the personal liability of business owners, directors, and senior managers against claims made for alleged wrongful acts in the running of the business.

This could include breaches of duty, mismanagement, or regulatory investigations. It covers legal defence costs and compensation, safeguarding your personal finances and reputation.

Cyber Liability insurance provides protection against data breaches, cyberattacks, and system failures that could impact your practice. It covers costs such as data recovery, client notification, business interruption, and legal expenses.

With patient data and confidential records at risk, this cover helps ensure your business remains protected and compliant in an increasingly digital world.

Commercial Legal Expenses insurance supports your business with the cost of pursuing or defending legal action. It can cover employment disputes, contract issues, tax investigations, and more.

This protection gives you access to legal expertise and financial support when facing unexpected legal challenges, helping you resolve issues quickly and effectively.