Tailored cover for the risks you face.
Whether you’re working with people to optimise their sporting performance, assess and advise on sporting injuries, or providing remedial massage to a sportsperson – your clients’ bodies are in your hands. No matter how much care and professionalism you take, there is always a risk that something may go wrong, and you could end up being financially liable.
Professional treatment insurance for sports massage therapists
Due to the intimate nature of your business, there’s always the risk that a client could claim they’ve suffered an injury or illness because of your actions or advice. That’s why we’ve developed professional treatment insurance for businesses like yours. It protects against the cost of settling or defending a claim that there is a problem with your work, including malpractice claims.
What claims does this kind of treatment insurance help with?
We offer protection against a wide range of risks. Bodily injury and mental injury are covered, along with disease or death arising from business activities. Our sports therapy and massage insurance also covers death or disease because of a good Samaritan act, where you administer treatment at the scene of a medical incident. Typical scenarios covered include:
- If a client sustains an injury because you make a mistake during massage treatment. For example, if you make an existing condition worse during a massage.
- If a client claims you supplied them with bad advice. We also provide insurance for relaxation massage businesses.
Public liability insurance for sports therapists
No matter how safe you are, there’s always the possibility that a member of the public could be injured, or have their property damaged as a result of your business. Public liability insurance for sports massage therapists could cover you for the defence or settlement of a court case – which could otherwise have a large financial impact on your business.
Public liability insurance could cover you if:
- A client is injured on your premises. For example, if they slip and fall on a wet floor
- A client’s property is damaged by your business. For example, because you knock over and break an expensive possession while visiting a client in their home.
More about Hiscox Public Liability Insurance
Employers’ liability insurance for sports therapists
Do you employ other people in your sports massage business? If so, there’s always a chance that they could become injured or ill because of something that happens at work. This could result in them taking legal action to seek compensation from you. And if you were exposed for breaking health and safety regulations, you could be prosecuted.
Employer’s liability insurance can give you the protection you need in these situations, potentially covering the cost of defending or settling legal cases. However, it’s worth noting that this kind of sports therapist insurance only covers your employees, and it doesn’t protect you personally.
More about Hiscox Employers’ Liability Insurance
Do I need both public liability + employers’ liability insurance?
If you employ one or more members of staff, your business is legally required to have employers’ liability insurance. Public liability insurance is not required legally, but many businesses that serve members of the public think that this kind of sports massage insurance is essential. It’s worth noting that your employees are not covered by public liability insurance.
Personal accident insurance
Our personal accident insurance is designed to support you, as a sports therapist, if you or a key employee are unable to work due to an accidental bodily injury. The sudden loss of a member of staff could have a significant detrimental effect on your business. This sports massage and therapy insurance can help protect against the financial impact by providing your business with a lump sum or weekly amount up to the limit of your cover.
More about Hiscox Personal Accident insurance
Winner 8 years running
Cyber and data insurance
As a sports therapist, computers might not be an integral part of your business, but you probably still use them for record-keeping or appointment-booking. If you do, there is always the risk of being attacked by a hacker or experiencing a data leak. In these situations, cyber and data insurance could be very helpful. This kind of sports massage insurance protects you against potential legal and recovery costs in the event of an incident, while providing you with year-round peace of mind.
More about Hiscox Cyber and Data Risks Insurance
Our office contents policy protects home or office-based small businesses against the cost of replacing or repairing your business equipment if it is accidentally damaged, lost or stolen. You can also add a range of specialist covers to your policy such as:
- Tool cover – cover for equipment which you use as part of carrying out your work, such as massage tables and physiotherapy bags
- Portable equipment – cover for equipment outside of the office, such as mobiles and laptops
- Business interruption – cover for the financial losses that result from being unable to trade due to an unexpected interruption
- Equipment breakdown – cover for the sudden electrical or mechanical breakdown of your office equipment.
Tailor your business insurance quote
- 0% interest on Direct Debits
- Immediate coverage and documentation
- No admin fees if you amend your policy
Need more help? Speak to our UK-based experts. Call us on 0800 2800 351
Mon - Fri, 8am - 7pm, Sat, 9am to 2pm, excluding bank holidays. Calls are free from a landline and some mobile contracts
What is your profession?
Find out more about the range of insurance covers we offer to specific industries and professions in the list below: