Professional Membership & Insurance for Sports Therapy

Sports therapists require public liability insurance to safeguard their practice from potential risks. Providing sports therapy involves physical contact and active treatment, which can increase the likelihood of accidents or injuries. Even with the utmost care, unexpected incidents can occur, such as a client experiencing a strain during a session or accidental damage to the clinic’s property. Public liability insurance provides financial protection against such claims, ensuring that therapists can continue their practice without interruption or financial burden. Additionally, having this insurance enhances the professional credibility of sports therapists, demonstrating their commitment to safety and responsibility.

Sports therapy insurance typically covers:

• Public Liability: Protection against claims arising from third-party injuries or property damage during therapy sessions.
• Professional Indemnity: Coverage for claims of negligence, errors, or omissions in the professional services provided.
• Legal Defence Costs: Coverage for the cost of defending against claims, including legal fees.
• Damages and Settlements: Payment for any settlements or judgements if the therapist is found liable. This comprehensive coverage ensures that sports therapists are protected from significant financial losses that could result from unforeseen incidents or claims during their practice.

Yes, even if you work as a sports therapist within a clinic, it is important to have your own insurance coverage. While the clinic may have its own insurance policy, it might not fully cover individual therapists for all potential risks and liabilities. Having your own sports therapy insurance ensures that you are personally protected against claims of negligence, injury, or property damage that may arise during your sessions. It provides an added layer of security and demonstrates your commitment to professional responsibility.

The cost of sports therapy insurance depends on factors such as your professional background and the level of coverage you require. To explore current pricing and coverage options available for IICT members, please visit our Insurance Pricing page.

Yes, additional coverage can often be added to a sports therapy insurance policy. This may include:

• Personal Accident Insurance: Provides coverage for injuries sustained by the therapist.
• Equipment Insurance: Covers damage or loss of equipment used in therapy sessions.
• Business Interruption Insurance: Provides financial support if sessions are disrupted due to unforeseen circumstances. To customise your coverage, it’s best to discuss your specific needs with the insurance provider, Lockton Affinity, LLC, to ensure comprehensive protection.