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Business Liability

Professional & Medical Liability Insurance for Physiotherapy and other Healthcare Businesses


Any business offering healthcare services will be legally accountable for the harm caused to patients by their employees, associates or others they engage on an independent or self-employed basis.

There are a number of options for physiotherapy businesses to insure their clinical negligence liabilities including (but not limited to) the following:-

  1. If the business is solely owned by a CSP Member and they are the only healthcare practitioner employed or engaged, the CSP PLI Scheme will provide the same clinical negligence cover to the business as applies to individual members free of charge. The cover only applies to claims arising within the scope of physiotherapy practice. However, separate Public Liability insurance must be purchased by corporate entities (such as private limited companies or LLP partnerships) to cover non-treatment liabilities and other covers appropriate to their business needs and requirements.

  2. Other corporate entities including private limited companies and LLP partnerships owned by more than one CSP Member with an annual turnover not exceeding £300,000 can purchase similar cover as an extension to the Members PLI Scheme at discounted rates. Application forms are available from the downloads on this page ‘Medical Professional Liability Proposal Form for Limited Companies and Partnerships owned by CSP Members’. As with option 1 separate Public Liability Insurance will be required together with any other insurance covers appropriate to the business requirements.

  3. All other organisations and corporate entities including businesses offering non-physiotherapy services, can obtain quotations for a Civil Liability policy underwritten by AXA which includes Medical & Professional Liability and Public Liability insurance combined. This policy is separate to the CSP PLI Scheme and is designed to provide liability cover which cannot be accommodated as an extension to the Members PLI Scheme. Quotations are available subject to completion of the on-line ‘Application Form’ available on this page. Copies of the Summary and Policy Wording are also available as downloads from this page under ‘AXA Summary of Cover’ and ‘AXA Policy Wording’ respectively.


Important Notes


  • The cover provided under options 1 and 2 is an extension to the Members PLI Policy currently underwritten by MPLC, a summary of which is available as a download from this page under ‘Summary of CSP Members PLI Cover’ together with the full Policy Wording ‘CSP Members Medical Professional Liability Policy’.

  • All applicants should refer to the ‘Guide to Insurance Cover and Options for Physiotherapy Businesses’ available as a download from this page prior to purchasing cover and obtain legal and insurance advice to ensure the appropriate cover for the business is purchased to meet its needs and requirements.

  • Applicants are requested to read our Terms of Business and Privacy Notice, both of which are available as downloads from this page.


Help and advice is available from our team of insurance advisors on 01245 321185 or by email enquiry@graybrook.co.uk.


Optional & Other Covers


Locum Cover

This insurance is particularly valuable to cover the temporary expense of replacing key members of the business as a result of injury/illness.

Private Practice Insurance

Members operating private clinics can insure the practice assets, revenues under a comprehensive package of covers which includes also Employers Liability, Public Liability, and a range of valuable Legal Expenses Insurance.

Criminal Prosecution Defence Cover

This new policy provides generous defence costs for healthcare professionals accused of inappropriate or criminal behaviour, with access to a 24/7 legal helpline as standard. Prices start from as low as £25 per year plus insurance tax.

Management Liabilities

Including Directors & Officers Liability, Employment Practices and Corporate Liability Insurance. Please call one of our professional advisers on 01245 321185 for details of cover available/

Cyber Crime & Liability Insurance

Cyber Crime can have a devastating impact on any business operating IT and internet platforms. Please call one of our professional advisers on 01245 321185 for details of cover available.