After a minor collision, your treatment table and rehab gear in the car are damaged. You need replacements quickly so you can keep sessions running and avoid cancellations.

Some Commercial Motor Vehicle policies may include tools of trade cover, which is designed to respond to loss or damage to tools and equipment carried in your insured vehicle as a result of an accident.

In a physiotherapy session at a client's home, you knock over and break an expensive heirloom.

Public Liability cover may respond to claims for accidental damage to third-party property arising from your business activities.

You recommend some home exercises to a client suffering from backache but the exercises lead to further deterioration of their condition necessitating bedrest and time off from work.

Professional indemnity insurance may respond to claims arising from negligent advice or recommendations made in the course of providing professional services, including associated legal defence costs.

After a series of physiotherapy sessions with you to treat their carpal tunnel syndrome, a client alleges you’ve worsened their condition.

Public Liability Insurance may respond to third-party injury claims arising in connection with your premises or business activities.