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Sports Therapist Insurance

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What is Sports Therapist Insurance

For those professionals that help both professional and amateur athletes with their muscular complaints, there is the financial protection of sports therapist insurance. This profession is by some referred to as sports massage therapist which is considered synonymous with sports therapists. This cover is financial protection just in case a third party makes a claim against your advice or services.

What does a sports therapist do?

A sports therapist is a professional that takes care of their clients muscular complaints along with problems with their posture and mobility limitations. They do this by applying pressure to particular muscle groups on the client's body so the pain, discomfort or limitations can be correctly addressed.

What does a standard sports therapist insurance policy cover?

The standard sports therapist insurance policy has several components that can help the therapist continue with their business after a claim is made against them. With this protection, they are protected so they can continue to provide therapy sessions to their clients while the claims are being settled.

  • Public liability cover is financial protection of up to £3 million per claim. This protection is necessary just in case a third party makes the claim that they were harmed or injured on your property during a visit.
  • Professional indemnity cover is financial protection if a third party files a claim that you made a mistake in your treatment of them or provided them with faulty advice. Some firms refer to this type of protection as malpractice cover. This is protection of £3 million per claim when a complaint is filed with the courts by a client claiming they have been damaged by your services.
  • Product liability cover is financial protection of up to £3 million for all claims made on an annual basis. This is protection if a client claims they were harmed by any oils used as part of the services or soap and conditions used for the cleaning cloth coverings.
  • Treatment liability is cover just in case a client has an adverse reaction to the treatment and files a claim. This protection is up to £3 million per claim.

What is an important add-on to a standard sports therapists insurance policy?

To help handle the legal cost when a claim by an employee, health and safety executive or official from the government is made against a therapist. This also is cover when there is a tax dispute with the government. This protection is up to £100,000.

Is there any additional coverage to help protect the sports therapist?

Yes, there is occupational personal accident cover. This is financial assistance a therapist will receive when they are injured or become ill and can no longer work and earn an income temporarily. This payment process begins after the insurance company is notified and a 14 day waiting period after has expired. The weekly payout is generally in the range of £50 to £300. If permanent disability occurs or death, a lump sum is paid out in a range from £10,000 to £60,000.

A sports therapist insurance policy is designed to financially protect the therapists when legal issues need to be addressed throughout a natural business cycle. This allows the therapist to continue to treat clients so the revenue stream can keep flowing in.