Health & Wellness

Physiotherapy Insurance in Ontario

Hands-on care, wraparound coverage.

Physiotherapy pairs manual treatment with equipment and exercise — treatment-injury allegations, needling claims where practiced, and busy clinic premises full of machines and moving patients.

We cover physiotherapists and clinics, aligning practitioner malpractice with the clinic package around it.

What the package includes

Malpractice / professional liability tailored to regulated health practice
Commercial general liability (CGL) for third-party injury and property damage
Contents and stock coverage for inventory, furnishings, and supplies
Equipment breakdown for essential machinery and systems
Cyber and privacy breach coverage for client data and payments

Good to know

Frequently asked questions

Is dry needling covered under physio malpractice?: When declared and within your rostered scope, yes — needling is rated as an added modality. Practicing it undeclared is the classic coverage gap in this class.
How much does physiotherapy insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get physiotherapy insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

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What the package includes

Malpractice / professional liability tailored to regulated health practice

Commercial general liability (CGL) for third-party injury and property damage

Contents and stock coverage for inventory, furnishings, and supplies

Equipment breakdown for essential machinery and systems

Cyber and privacy breach coverage for client data and payments

Frequently asked questions

Is dry needling covered under physio malpractice?

When declared and within your rostered scope, yes — needling is rated as an added modality. Practicing it undeclared is the classic coverage gap in this class.

How much does physiotherapy insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get physiotherapy insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.